Total Health Insurance in a Changing World

Private Life Insurance Cover

As a Specialist Health Related insurance broker BDHL has chosen to work exclusively with Vitality to provide you and your family with comprehensive private life insurance cover.

Vitality is a leading insurance company who make it easier for you to learn about your health and get healthier through the Vitality Programme with partnerships including Apple Watch, Caffè Nero, Amazon Prime, Nike, Champneys, Virgin, Waitrose, Odeon and Vue – plus more. What’s more, when you add Vitality’s Optimiser to either your Personal Protection Plan, Business Protection Plan or Relevant Life Plan you’ll receive the best available premium – it’s how they share the benefits of healthy habits back to their members.

  • All VitalityLife’s products are 5* Defaqto rated
  • Vitality paid 96.4% of Income Protection claims in 2019.
  • Vitality has thousands of 5 Star Trustpilot reviews.
  • Vitality’s Serious Illness Cover includes more conditions than any other insurer.

What is private life insurance cover?

Life insurance is an insurance policy that pays out a tax free lump sum to your loved ones or your nominated beneficiary when you die. The money can be used in any way from helping with your family’s finances to debt repayments and funeral costs.

Do I need private life insurance cover?

Most people choose to buy life insurance at key life stages like buying a home, getting married, starting a family or nearing retirement.

What are the different types of private life insurance cover?

There are two types of life insurance policies – term life insurance and whole of life insurance.

The most popular and cheaper of the two is term life insurance, which covers you for between five and 70 years. If you pass away within the policy term, your loved ones receive a lump sum.

If you’re buying a home, you can get term life insurance to cover your mortgage. If you die before it’s paid it off, the policy pays off the remaining amount. So your family can keep their home and not have to worry about the repayments.

Whole of life insurance lasts your whole life so your family get a guaranteed lump sum. The policy ends when you pass away, so the monthly premiums are more expensive.

What is covered on a life insurance policy?

Life insurance covers:

✔Death – Your loved ones will get a lump sum when you die.

✔Terminal illness – If you’re diagnosed with a terminal illness with a life expectancy less than 12 months, you’ll receive the payout.

What is not covered on a life insurance policy?

Life insurance may not pay out if:

✘Your policy has expired – If your life insurance policy expires and you haven’t claimed, it won’t pay out to your family when you pass away.

✘If you stop paying your premiums – If you don’t keep up with your payments, your cover stops.

✘You die as a result of suicide – If you take your own life, your family might not receive a payout.

Contact Us

Speak to a friendly BDHL specialist about Income Protection by completing the contact form on this page or alternatively call 01892 891900.


1 Vitality Claims and Benefits Report, 2020.

2 Defaqto, June 2021

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