Protect My Life

Life insurance can help your family cope financially when you die or become seriously ill. It is intended to provide help to your loved ones when they can’t rely on your salary or income any longer, to clear debts, pay off the mortgage or just cover everyday expenses. 

We'll explain what types of cover are available, answer your questions and crosscheck any existing policies. By getting to know your personal needs and circumstances we can give you peace of mind that everything is covered.

There really is no replacement for the satisfaction in knowing your family’s financial needs will be met if you're no longer able to provide for them.

Get in touch: 01276 986333



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"Thank you for providing such a friendly informative service and for making the whole process so easy! Makes a nice change!"

T.R - High Wycombe


"Asset Harbour has helped me sort out a company pension, life insurance, critical illness cover and my will. BRILLIANT! Highly recommend"

C.P - Farnham

Life Insurance

We all have people we care about, and it’s comforting to know that we have people who care deeply about us. But how would they cope if we were no longer around? The death of someone close is going to come with its own difficult challenges. No longer being able to meet your financial commitments – such as mortgage repayments, rent, school fees and council tax – can mean that those left behind are severely impacted. That needn’t be the case.

Vitality’s Life Cover and Income Protection plans protect you from the financial impact of illness, injury and death. Vitality also helps you to lead a healthier life – meaning you don’t have to claim to be able to benefit and they will reward you for being active; you’re not just protecting your family’s future, you’ll also enjoy access to a range of discounts and rewards that help you to get more out of life. 

Vitality Life’s Serious Illness Cover offers protection against 178 serious illnesses, as well as advanced or life-threatening ones. There are various options to add your children or top up your lump sum and you can claim more than once. With Vitality Life’s Serious Illness Cover you're up to 3 times more likely to get a pay out than any other competitor in the market.

Dementia and FrailCare Cover is a unique feature available on Serious Illness Cover. It starts when your Serious Illness Cover term ends, at which point 50% of your remaining benefit amount will be converted to Dementia and FrailCare Cover. 

With Income Protection Insurance you can keep your finances healthy as you recover from illness or injury.

Some people seem to insure everything but their lifestyle!

From mobile phones to pets, to cars, and even to fridges, people protect everything except themselves, their lifestyle and what pays for it. If you don’t insure your income, how can you pay for everything else?

Unfortunately, thinking that ‘it won’t happen to me’ doesn’t measure up with the facts. For instance, did you know you’re much more likely to experience chronic illness than die before you reach retirement age. So imagine if you were ill – how would you live? And do you know what your loved ones would receive if you were to die? Very few of us do.

Getting a life insurance policy, or re-examining the one you already have, can be a great way to take a good look at your finances and ensure you know exactly what your loved ones would receive in the worst case.

We recommend that all policies be written into a Discretionary Trust in order to help reduce any Inheritance Tax liability and importantly should a claim be made funds are released to the right people at the right time.


Call us now - 01276 986333 for more information or email


Not sure what type of cover you need?

We have an exclusivity agreement to promote VitalityHealth and VitalityLife policies, because in our opinion they represent the most advanced and best value health and life insurance solutions available on the market today.

Health Insurance

  • Cover Excellence Awards
    Best Individual Provider 2007, 2008, 2010, 2015, 2016
  • Defaqto 5-star rated
    2012, 2013, 2014, 2015, 2016

Life Insurance

  • Best Individual Critical Illness/Serious Illness Provider
    2009, 2010, 2011, 2012, 2013. 2014, 2015
  • Critical Illness Cover Defaqto 5-star rated
    2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016
  • Income Protection Defaqto 5-star rated
    2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016


The Benefits:

Vitality have established partnerships that offer you rich benefits which make accessing a healthy lifestyle easier.

From healthy foods and health screens to travel and Active Rewards, you can save money with lots of Vitality partners around the UK. 

Rewards and benefits are available with VitalityHealth and certain VitalityLife products.

Take a look at some of the partners below. Minimum monthly premiums and terms and conditions apply.

  • Stay active and be rewarded with Amazon Prime.
  • 75% off Champneys spa breaks and 25% off day spa treatments and the Champneys collection.
  • Six months Weight Watchers Monthly Pass for £30.
  • Up to 25% cashback with Mr & Mrs Smith up to a maximum of £125 - depending on your Vitality status.
  • Up to 40% off return economy flights to Europe, or within the UK with British Airways – depending on your Vitality status.
  • Up to 40% off fitness devices with Polar and Garmin (p+p may apply).
  • 40% off monthly gym fees at Virgin Active and Nuffield Health Gyms (joining fees will apply).
  • A cinema ticket each week with Cineworld or Vue for tracking your activity (Excludes 3D films).
  • A drink at Starbucks every week for tracking your activity.

Full details of the Vitality products and healthy rewards can be found at