Protection that moves with you

Get discounted life insurance.
Get rewarded for being active.

Start with an upfront premium discount on selected plans. Then use everyday activity recorded by your phone or smartwatch to earn rewards and help keep your premiums lower.

Get my free quote See how the discount works →
✓ Upfront premium discount✓ Rewards for everyday activity✓ Phone and smartwatch tracking

Available through selected plans. Premiums, rewards and activity requirements are subject to eligibility and policy terms.

Active Joe with his family
Discount from day oneActivity-based rewardsTrack with your phone or watch
Free protection check

Find the right cover for you.

Answer three simple questions about what you want to protect, how you stay active and how long your income would continue.

Take the 60-second check →
01

Everyday movement

Walking, commuting, gardening and the activity already built into your day.

See how it can count →02

Phone or smartwatch

Use the steps and activity you already track to unlock rewards on selected plans.

Explore connected activity →03

Fitness and wellbeing

For walkers, gym-goers, runners, cyclists and anyone building healthier habits.

Explore active lifestyles →04

Active working lives

For people whose occupation keeps them moving, lifting, travelling or on their feet.

Find your working-life guide →05

Self-employed income

See what happens when your income depends on your ability to keep working.

Protect your earning power →

ActiveJoe introduces you to a regulated protection adviser. Product suitability, eligibility and policy terms are discussed as part of the advice process.

Why it matters

Protect the life
your income supports.

Protect your family, mortgage or income. ActiveJoe connects you with a regulated adviser who can explain cover with healthy-living rewards.

See what happens next →
01

Tell us what matters

Family, mortgage, income, or simply that you are not sure yet.

02

Choose how to start

Complete the quick form when it suits you.

03

Understand the options

Your protection adviser explains the next step.

What do you want to protect?

One conversation.
Three important safety nets.

01

Life insurance

Financial support for the people who depend on you if you die during the policy term.

See life insurance → 02

Critical illness cover

A lump sum if you are diagnosed with a specified serious condition and meet the policy terms.

See critical illness cover → 03

Income protection

A regular benefit if illness or injury prevents you from working and your claim meets the policy terms.

See income protection →
The Active Joe difference

Protect what matters.
Get rewarded for healthy activity.

Explore VitalityLife plans with an upfront premium discount and healthy-living rewards. Use everyday activity recorded by your phone or smartwatch to unlock more value.

Vitality Life Limited is the insurer that issues VitalityLife plans. A Tailored Life Solutions Ltd adviser will assess your needs and recommend suitable cover. Rewards, activity requirements and availability vary by plan.

Explore active protection →
Smartwatch, smartphone, running shoes and water bottle representing everyday activity tracking
Everyday activity can be tracked using familiar devices.

Healthy activity

Use your everyday activity to unlock more rewards on selected plans.

Everyday rewards

Get offers or savings from reward partners on selected plans.

Protection stays first

Your needs, budget, eligibility and policy terms remain the basis of every recommendation.

Clear from the start

Tell us what you want to protect.

Tell us what you want to protect. A protection adviser will contact you, understand your needs and explain the options suited to your needs. ActiveJoe itself does not provide financial advice.

Cover is subject to eligibility, underwriting and policy terms. There is no obligation to proceed.

See what happens after you enquire
Trusted protection support

Rated 4.9 out of 5 on Trustpilot.

Based on 406 customer reviews of Tailored Life Solutions Ltd, the protection team that handles ActiveJoe enquiries.

Rating and review count checked 27 October 2026.

Read the reviews on Trustpilot
Discounted life insurance

Start with a lower premium from day one.

See how selected life insurance plans begin below the provider's standard premium and how healthy choices can help keep costs lower.

See discounted life insurance
Ready when you are

Get protected. Get rewarded.

Start your free quote. Tell us a few details and an adviser will contact you to discuss your options. No obligation.

Start your free quoteGet started online