Life Insurance, explained.
Life insurance is designed to protect your income, your family and your financial future. These guides explain how it works, what it covers and how to structure it properly.
Start Here
Start with the basics. These guides explain what life insurance actually is and what you’re really paying for.
What is Life Insurance
What life insurance actually does and why it matters.
What Does Life Insurance Cover
How death, disability, income protection and severe illness cover fit together.
Types of Life Insurance Benefits Explained
The difference between life cover, income protection and lump sum benefits.
How Life Insurance actually works
Once you understand the covers, the next step is how they actually pay out and when.
How Life Insurance Claims Work
What needs to happen for a claim to be paid and where things go wrong.
How Disability and Severe Illness Cover Works
How these benefits are triggered and what insurers actually assess.
How Income Protection Works
How your income is protected if you can’t work.
Choosing cover
This is where advice matters. Structuring cover properly is far more important than just having it.
How Much Life Insurance Do You Need
How to calculate the right level of protection.
How Life Insurance Premiums Work
Why premiums change and what affects pricing.
Common Life Insurance Mistakes
The gaps and structuring errors that cost people later.
All Life Insurance guides
Browse all our Vitality articles, from basics to more detailed topics.
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