Reducing the cost of your future premiums
With Vitality, our unique rewards programme, the more Vitality points you earn throughout the year, the higher your Vitality status and the lower your premiums could be! PruProtect offers you the potential to help manage your future premiums with Vitality. Depending on your Vitality status at your policy anniversary, we’ll revise your premium for the next year as follows:
| Vitality status | Percentage change in monthly premiums |
|---|---|
| Bronze | +2.25% |
| Silver | 0% |
| Gold | -1% |
| Platinum | -2.25% |
Vitality changes are in addition to any other premium changes you have requested, such as Indexation.
As the following example shows, a PruProtect member who engages in Vitality and earns Platinum status every year will see their premiums significantly reduce over a 20 year period, from their initial £50 monthly premium. This will continue year on year for as long as you retain Platinum status, with no limit to the discount you can receive.
However a PruProtect member who did not take advantage of the Vitality programme, and remained at a Bronze status throughout the lifetime of their policy will see their premiums increase year on year. After 20 years there are no more premium increases, just the opportunity to decrease your premium.
How your monthly premiums might change
