Additional Covers and Options

• If you die, Family Income Cover pays your family a guaranteed monthly income. You can also choose to be covered in case you fall seriously ill.
• If you choose Comprehensive Cover, our Spend Protector also pays your family's bills in the first year, up to a maximum amount.
• If you have Primary Cover, we'll pay your family a £1,000 lump sum towards funeral costs. For Comprehensive Cover, we'll pay £2,000.
• If you’ve got a VitalityLife Plan and you choose cover that will pay out if you fall seriously ill, you could get Serious Illness Cover for your children too.
• We pay for a guaranteed minimum period of up to ten years.
• You can increase your cover in line with rising living costs.
• We pay for a guaranteed minimum period of up to ten years.
• If you have the VitalityLife Plan our Guaranteed Insurability Benefit means you can increase your cover without more underwriting if you get married, have a child or increase your mortgage.
• And if you have the VitalityLife Plan we could reward you with reduced premiums each year*.

* Premiums are not reduced for Vitality Plus. Also premium discounts do not apply to the Essentials Plan.

• We give your family £840 each term to cover school costs like uniforms, books and school trips.
• We pay a £1,000 Star Award if your child excels at an activity.
• We pay the fees if your child goes on to further or higher education. There's a maximum, currently £9,000 each year. If the Government increases tuition fees, this maximum will go up too.
• Even if your child doesn't go on to further or higher education, we'll still support them after they turn 18 by paying them £3,000 a year for three years.
• If you choose our Private School option, we'll even pay private school fees. You can choose to cover day fees or boarding fees. We'll pay up to a maximum of £11,788 per term per child.
• We make sure your benefits increase in line with rising school costs.
• We'll give your family a one-off School Absence Benefit of £1000 if one of your children covered falls ill and is hospitalised for more than 10 days while we're paying Education Cover, or if they miss more than 20 consecutive days of school.
• Plus, if you have the VitalityLife Plan we could reward you with reduced premiums each year*.

* Premiums are not reduced for Vitality Plus. Also premium discounts do not apply to the Essentials Plan.

• We cover more illnesses so you are more likely to receive a payment when your child needs it
• Payments are based on severity, so you may receive a payment at an earlier stage of your child’s illness or disability, even if it is not life threatening
• If your child’s illness progresses or if they are diagnosed with an unrelated illness, they could still be covered to receive another payout
• No additional underwriting is required although pre-existing conditions are not covered
• You can purchase up to £100,000 extra cover for your children
• You do not need to have Serious Illness Cover to have this cover
• You can choose from either the Primary or Comprehensive level of Serious Illness Cover for Children.

• Two options available:
  Protected Life Cover: Top up Life Cover only
  Protected Life and Serious Illness Cover: Top up both Life Cover and Serious Illness Cover
• We will top your cover back up with no additional underwriting, no additional exclusions and unlike competitors' buy-back options there will be no change to your premium.
• You can add a Protected Cover option atthe outset of your pla, or at any time before a claim.

• Half of all heart attacks are repeat attacks. Source: American Heart Association - heart Disease and Stroke Statistics, 2003
• 30-43% of people who recover from their first stroke will have another one within 5 years. Source: Royal College of Physicians National Clinical Guidelines for Stroke, 2nd Edition, June 2004
• 49% of those suffering a chronic condition are likely to be affected by more than one condition. The need for multiple claims and protecting you and your dependents in the future is therefore greater. Source: Multimorbidity prevalence and patterns across socioeconomic determinants: a cross-sectional survey, BMC Public Health 2012