Vitality programme with Lite Rewards

Life and Serious Illness cover

With our unique Vitality programme, everyone can benefit from a healthier lifestyle. Do a few simple things, like taking a bit more exercise or having a health screen and you could get discounts with our reward partners.

And if that's not enough, you could also receive discounts on your premium depending on how much you participate in Vitality.

How Vitality works

  • When you join PruProtect you automatically get membership to our Vitality programme with Lite Rewards.
  • This programme enables you to earn Vitality points for making the effort to lead a healthy life. You don't have to be a fitness fanatic. Doing healthy activities like walking, having a health screen or even quitting smoking could all earn you Vitality points.
  • As your points increase, so does your Vitality status. Increasing your status from Bronze to Silver, Gold or Platinum entitles you to bigger discounts with our partners.
  • Plus you can reduce your premiums (see below) if you increase your Vitality status beyond Bronze.

Our Vitality partners

We've teamed up with a range of health and wellbeing partners to help you lead a healthier lifestyle. But that's not all. We believe that treating yourself goes hand in hand with looking after yourself, so we offer rewards with Eurostar, Mark Warner, Champneys Health Resorts and Cineworld too.

vitality partners

Get potential premium discounts on the PruProtect Plan


Every year on the anniversary of your policy, we'll calculate your new premium. The more you've participated in Vitality, the larger the discount on your premium. If you choose not to take part in Vitality and remain on Bronze status then your premium will remain the same. Please note that the annual premium discounts will not apply for members who have the PruProtect Essentials Plan.


Vitality status Change to your monthly premium each year
Bronze Stays the same
Silver Reduces by 1%
Gold Reduces by 1.5%
Platinum Reduces by 2%

Keep in mind that these changes in premium are added on top of any other premium changes you have requested on your policy, such as indexation.

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Existing customers