Vitality life Insurance

Mandaloiian

coachman12 said:

The more this thread goes on, I wonder more and more why , as you admit to knowing nothing about insurance, Mand, why you did not come to this site before getting your policies instead of asking us about them , and all the intricacies, AFTER you had signed up with Vitality ? Was Vitality the lowest quote ? Why did you pick Vitality if you're not interested in what a poster rightly called their "gimmicks". Don't forget, you can change to another insurer anytime you want, as it's so soon after the initial policies with Vitality and I assume your health ( and your wife's health) are unchanged. For example,on most application forms for level term insurance, you are asked if you want to put policy in trust or not. Whatever you decide, good luck and long life  

I honestly just looked at reviews and assumed more or less all insurance groups are the same with regards to life insurance policies Your alive or dead so I just thought that’s fairly clear I didn’t realise there’s more to it then that And I didn’t even think about the IHT till much later it crossed my mind I just thought if I get a policy in place then I know I don’t have to think about it again peace of mind and I don’t think it was the cheapest I remember doing a search compare the overall rating showed it was good aswell that what made me choose.

coachman12

Thanks for the reply, Mand. Don't forget that, if you look for the best life insurance online and you find one that suits you better than Vitality or is cheaper or gives a longer term of cover, you can easily just apply, get the policy ( or policies) and then just cancel the Vitality.
Don't get me wrong----there's nothing fundamentally wrong with Vitality and it's really pushing for business at present. But, of all my term insurance policies, it is the Vitality one which irritates me most------it wants to run how I live my life ( healthy food, exercise regimes etc etc ), sent me mails every day ( till I unsubscribed----even now I still get them every month or two) and they are not the cheapest. 
But it's all up to you . If you're happy, then that's all that matters. Once again, all the best----and stay safe.