Buy-to-let affordability assessment In response to changes to Mortgage Interest Relief for buy-to-let landlords, we have introduced an income affordability assessment in addition to the rental cover calculation. We will request details of the applicant’s personal income, financial commitments, other committed expenditure (as with a residential application) in addition to their current and expected rental [...]

The protection divide There’s a growing concern in the protection industry about the lack of financial security for working women. Evolving working patterns in the UK mean that a third of Britain’s working mothers are now the main breadwinner in their family¹, however a recent study by Aegon showed that nearly half of working women [...]

He’s more likely to protect Benjy than his income It seems British people really are more likely to buy pet insurance than income protection. This is just one of the findings in our Survey ‘Optimistic or Idealistic?’, which highlighted 20.5% of people are more likely to buy pet insurance compared to 7.3% who [...]

Flexible menu plan packages to suit your clients' needs Flexible menu plan packages to suit your clients' needs No matter where someone is in their lives, our cover can change with them. Our Menu Plans offer more flexibility for your clients, and makes it even easier for you to do business with us. To help [...]

Your client could be on the breadline in just a month – how can you help? Our 2017 Deadline to Breadline research reveals that on average UK employees could be on the breadline in just 32 days if they lost their main source of income due to sickness, accidental injury or death. Worryingly, more than [...]

VitalityLife paid 99% of Life claims made in 2016 We paid over £33m in claims across Life, Serious Illness Cover and Income Protection products in 2016. Take a look at our claims statistics infographic to help you discuss VitalityLife products with your clients Click here to see more 

More than just financial support Over the past few weeks we’ve shared insight and tools to help you switch on your income protection client conversations. But we know the most important part of any conversation is recommending a product that’s right for your client and their needs. Our Income Protection+ product provides much more than [...]

Cost doesn't need to be a barrier Loving mum and part-time nurse, Gemma Spencer knows the importance of life insurance, but on her already overstretched budget she doesn’t have the disposal income to pay the basic premiums. CIC Start gives her the critical illness cover she needs for herself and baby Oscar, with all [...]