Set up your year with life cover from Discovery Life

The beginning of the year is a natural planning moment - a time for reviewing finances, setting goals for the months ahead, and thinking more deliberately about the life you're working towards. This makes the beginning of the year an ideal time to consider whether your financial protection aligns with your priorities..

Life cover designed to support you while you're living and building

Discovery Life offers comprehensive protection that goes beyond a once off payout. We help you safeguard your income, financial independence and long term goals if illness, injury or another life changing event disrupts your plans. While traditional life insurance is primarily focused on providing cover at claim stage, Discovery Life also delivers value while you're alive and healthy.

Through living benefits and our Shared value Insurance model, healthy choices and active engagement are recognised and rewarded. This helps you build greater financial resilience over time, not just protection for the unexpected.

The Discovery Life difference: protection that rewards healthy choices

This shared value approach is brought to life through a range of benefits that reward healthy choices and long term engagement:

• PayBack benefit
  You can earn up to 100% of your premiums paid back to you by engaging in healthy behaviours through Vitality. Your commitment to wellness becomes real financial value.
• Cash Conversion benefit
  As you approach retirement, you may be able to convert part of your life cover into retirement income, without reducing your actual cover, helping strengthen your long term financial security.
• Ongoing shared value rewards
  Healthy choices can lead to lower long term costs, enhanced benefits and meaningful rewards throughout your life. Your cover doesn't just protect; it evolves with you.

In practice, this means life cover that responds to how you live, recognises positive behaviours, and supports stronger financial outcomes over time.

Why reviewing your life cover is important

Even small changes in your circumstances can have a meaningful impact on your financial risk. Over the course of a year, life may bring a new job or promotion, increased financial responsibilities, a growing family, ageing parents who need support, or changes in health or lifestyle. Reviewing your life cover early in the year allows you to assess whether it still reflects your current circumstances, once the changes of the previous year have settled. From there, regular yearly reviews help reduce the risk of cover gaps or shortfalls, ensuring your protection remains aligned with your life as it continues to change.

A simple six step life insurance checklist

This checklist offers a straightforward way to reflect on what matters now and feel well prepared for a conversation about your life cover:

1. Compare your cover with your current circumstances
   Consider whether your income, responsibilities or lifestyle have changed since you last reviewed your cover.
2. Check your plan benefits and policy status
   Look at what benefits and policies you have in place, and if they are still active.
3. Update beneficiaries
   Consider who you want to receive your cover, and if this could possibly be outdated.
4. Reassess your goals for the year
   Think about what you're working towards and whether your cover still aligns with your goals.
5. Connect cover to your estate planning
   Think about whether your cover works alongside your Will and broader legacy plans.
6. Contact a financial adviser
   After reflecting on your circumstances, goals and cover, a financial adviser can guide you through the details. They can help you identify any gaps, and turn those reflections into clear, practical actions. This is advice that puts you first, at no extra cost, helping turn reflection into confident decisions through expert, advice led guidance.

Life cover that grows with you, year after year

As your long term partner in financial wellbeing, Discovery Life protects what matters while supporting the healthy behaviours that help you build a more confident and sustainable future. Start the year with clarity, life cover that fits your lifestyle, and rewards that reflect the progress you're making.