vitality and vitality plus

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A presentation looking at the benefits of Vitality and Vitality Plus for members

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  • 1. Protection that goes furtherSpeaker forename and surnameSpeaker job title OR date

2. 2Agendaa. Who is PruProtect?b. Trends impacting protectionc. Facts, stats and quotesd. Personal productse. Business productsf. Vitality and Vitality Plusg. Growing your business 3. The need for healthy living 4. 4The UK needs and wants to be wellTHE OXFORD HEALTH ALLIANCES 3 - 4 - 50 MODELDrivers ofmorbidity andmortalityThe Oxford Health Alliance: 3four50.com (2013)3450VitalitySerious Illness CoverIncome Protection CoverLife Cover 5. 5There is a real need for wellness80% of type II diabetescases could beprevented throughlifestyle changes such asmore exercise and eatingmore healthily2Up to 40% of cancerscould be preventedthrough exercisingregularly & eatingsensibly1Physically inactivepeople have almostdouble the risk of dyingfrom coronary heartdisease than activepeople380% of adults are not reaching governmenttargets for moderate exercise41. Irish Cancer Society (2014) 2. Diabetes UK (2013) 3. World Heart Federation (2013), 4. Kings Fund and BBC (2013) 6. 6What drives people is not always rationalStandard models for economicsassume that humans are rational,calculating and unemotional, andact in a way to maximise their selfinterestStandard wellness assumes thatpeople will be rational about theirwellness to maximise their long-termhealthThe rational man 7. 7The downfall of traditional health and wellbeingmodelsThis is simplynot the caseStandard models for health and wellness assumethat if people understand what is best for theirhealth in the long term, they will do it. 8. 8Example of decision delusionsTHE OBESITY PANDEMIC 61.9% of adults in the UK are overweight or obese Rates have been increasing significantly Studies show that people are well informed about the extrahealth risks that obesity poses Yet people dont necessarily make healthier choicesCan we increase adherence through incentives?Source: Reducing obesity and improving diet, Government policy, 2013 9. Integrating healthand wellness is aboutunderstandinghuman behaviourand addressing anindividuals needsand wants 10. The Vitality programme 11. 11What is Vitality?Our healthy living rewards programme to help your clients to get and stay healthyCreated in conjunction with doctors, scientists and academicsWe help your clients track their progress by awarding points for doing healthy thingsAnd to keep your clients motivated, we give them rewards for making positivechanges to help them to get and stay healthy for lessProtection cover with benefits for everyone, not just those that claim 12. 12VitalityRECOGNISED LEADER IN INCENTIVISED WELLNESSThe largest incentive-based wellness programme in the world with7 million members worldwideWall Street Journal (21 June 2013), PruProtect data (2013) 13. 13Vitalitys impact on clients healthRELATIVE CLAIMS AND LAPSE RATES BY VITALITY STATUSExperience shows that clients with higher Vitality statuses have lessMortalitychance of claiming or lapsing their policies100%90%80%70%60%50%40%30%20%10%No VitalityClients who are highly engaged areless likely to claim for a death benefitthan those without Vitality.Discovery South African Experience (2013)Morbidity Lapses100%90%80%70%60%50%40%30%20%10%No Vitality No VitalityClients who are highly engaged areless likely to claim for an illness thanthose without Vitality.100%90%80%70%60%50%40%30%20%10%Clients who are highly engaged areless likely to lapse their policies thanthose without Vitality.0%Low Medium high0%Low Medium High0%Low Medium HighEngagement Engagement Engagement 14. 14PruProtects growth underpinned by Vitality1801601401201008060402002010 2011 2012 20135045403530252015105The fastest growing protection insurer in the UK (% growth)ThousandsPruProtect data (2013)02010 2011 2012 2013MilionsPolicies inforceAPE in millions 15. 15Member engagement with selected Vitality partnersUK PARTICIPATION LEVELS 201325 millionVitality points awarded52,000online health checks780,000gym visitsDid you know?People that take out cinema codes are more likely toengage with other Vitality partnersUp to1,500cinema codesgenerated each dayPruProtect data (2013) 16. 16Vitality is an appealing and agreeable conceptProtection and life insurers should help their customers leadhealthier lifestylesI'd like to better understandmy healthPruProtect and Immerse study (2013)46 48 50 52 54 56 58 60I'd welcome encouragement or incentives to be healthier 17. 17Vitality is an appealing and agreeable concept81% appealYou get cash-back as an extra incentiveto be healthy each year83% appealYou get something back even if you dontclaim such as cash-back, premiumreductions, savings and discountsPruProtect and Immerse study (2013) 18. How it works 19. 19The issuesInnovativeprotectionsolutions builtaround thecustomerHow can we drivebehavioural change?Global recessionThe industry is changingThe online revolutionHow can the industrygrow as a whole?How can you keeppace?The need forhealth andwellnessAusterityThe industryis changingThe onlinerevolution 20. 20Our solution Discountson things like holidays,and gym membership New Vitality partners Unique protection benefits The chance to receiveupfront discounts onpremiums, annualpremium reductions andcashback New quote tool Vitality Calculator Marketing supportThe need forhealth andwellnessAusterityThe industryis changingThe onlinerevolutionEnhanced VitalityprogrammeImproved premiumefficiencySolutions basedprotectionInteractive onlinetools 21. 21Vitality works in three easy steps 22. 22Vitality works in three easy steps 23. 23You cant change what you dont knowstroke, heart attack, heart failure, chronickidney disease, and cognitive declineheart disease, stroke, blindness, kidneydisease and amputationsHYPERTENSIONDIABETES IICORONARYHEART DISEASEFOR EVERY 100PEOPLE DIAGNOSED313240REMAIN UNDIAGNOSEDnarrowing of arteries, angina and heartattackBritish Heart Foundation and Diabetes UK (2013) 24. 24Understanding your healthA HOLISTIC APPROACHDisease detection and managementMental healthNutritionPreventative carePhysical activity 25. 25Understanding your healthTo help you understand your health, we have a series of tools and products thatmembers can access through the Member Zone, our online Vitality portalHealth ReviewView the Vitality statementSet healthy goalsMental wellbeing assessmentsHealthy meal plansUseful articlesFind out about our Vitality partnersSubmit screening pointsUpdate and maintain personal detailsTHE MEMBERZONE 26. 26The Health ReviewThe Health Review is a quick and easy review, designed to be the first step ofthe Vitality programme. By monitoring members general health and fitnesslevels, it shows what they can do to improve their health and earn Vitality pointsand opens up other benefits. It is recommended that the review is completedevery six months. Personalised information 100 Vitality points per adult per year Split into ten sections: Your medical history Your familys medical history Key measurements Smoking Alcohol Nutrition Exercise Sleep Stress Productivity 27. 27The Health ReviewVITALITY AGEThe results of the Health Review will produce a Vitality Age to help further understand yourhealth and how to improve itLifeActual Age +Average LifeExpectancyExpectancyaccording tolifestyle 5080 7555 28. 28Have access to healthy activities 29. 29Earning Vitality points By taking part in healthy activities such as health screens and using an exercise device,members can earn points Everyone starts at Bronze status and can build points to moveup to Silver, then Gold, and finally Platinum The higher your status, the more that you get back from VitalityExampleA policy with two adults andone child would need 1,600 points toreach Silver, 3,200 to reach Gold and4,800 to reach Platinum 30. 30Health assessmentsUNDERSTAND YOUR HEALTH AND HOW TO IMPROVE IT We help you understand your health and how to improve The more comprehensive screenings can be useful in the earlyidentification of health issues that could lead to serious illness orchronic conditions in the future.With our health partners you can book a health screenand pay from 15 for a basic health checkPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply.DiscountsWith VitalityVitality Healthcheck Introductory rate of 1550% offEligibility criteria apply 31. 31Fitness assessments Fitness assessments can be booked with our Vitalitypartner gyms and are a great way to kick start a fitnessprogramme Virgin Active offer fitness assessments free of charge andyou dont have to be registered as a gym member to haveoneFree!With VitalityPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 32. 32Fitness assessments and health screens Members earn 60 points for each clinical measurementtaken during a fitness assessment or health screen. Plus 60 more points if they are in the healthy green zone Points can only be earned once per policy year Fitness assessments include three clinical measuresWith our health partners you can book a health screenand pay from 15 for a basic health checkPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 33. 33Vitality works in three easy steps 34. 34Stop smoking Combination of psychotherapy and hypnotherapy Aims to help members to quit for good using tried andtested techniques Earn 300 Vitality points by taking the Vitality Healthcheck,signing the non-smokers declaration and for being tobaccoand nicotine free for 12 months as well as non-smokerscashback Each adult can attend one free Allen Carr programmeduring the life of the plan Retail Price 250FreePrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 35. 35Lose weight No Once the 30 subscription payment is paid, members initially getsix months unlimited membership giving them access tomeetings, online tools and the Weight Watchers app. Attend two Weight Watcher meetings per month in the first sixmonths and well extend membership for a further six months 15 Vitality points each week for attending a Weight Watchersmeeting Achieve target weight and well refund the subscription payment!monthlyfeesfor up to ayearImportant informationTo be eligible, members need to be 18 years or olderAcceptance of membership will be subject to Weight Watchers own criteria inaddition to our own (e.g. not pregnant, not underweight)If a member ends their PruProtect plan, their Weight Watchers membership will alsoend on the same datePrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 36. 36Exercise parkrun organises free weekly 5km timed runs run by localvolunteers worldwide Just by registering with their Vitality number, members canearn points for taking partRunning 10Volunteering 5FreeMembers can a earn a maximum of 40 points/ week for gym visits,Polar, Fitbug, micoach and parkrun activities combined 37. 37Exercise FromNational Trust owns: 709 miles of coastline 255,000 hectares of countryside >300 historic houses, gardens and parks9pper daywith VitalityExclusive annual pass33.67 unlimited visitsKids freePrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 38. 38Exercise 50% off Discount available on one pair of shoes per member perpolicy year Available online or in-store Includes full price and sale items Further terms and conditions applyWithVitality50% off sports shoesPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 39. 39Exercise 50% off full monthly fee for flexible individual gymmembership A joining fee is chargeable by individual gymsVitalitypoints10 per gymvisit50% offWithVitality PlusMembers can a earn a maximum of 40 points/ week for gym visits,Polar, Fitbug, micoach and parkrun activities combined50% off flexible individual monthly gym membership fees with Virgin ActivePrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 40. 40Exercise devicesNOT EVERYONE WANTS TO GO TO THE GYM44% of people have never used a gym and have no intention of doing so in the futurePruProtect/ PruHealth data (2014) 41. 41Exercise devices and appsPoints can be earned using Nike+, Garmin and the majority of Fitbit devices as well as theVitality Active appPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply.DiscountsWith Vitality Gives a precisemeasurement of howintensely the user isexercising and helpssee if they are on theright track andexercising effectivelyTracks daily stepsSteps are monitoredby uploading results atleast everytwo weeksFrom 30 + P&P Provides personalcoaching Phone app to trackmovement by GPS Receives input fromheart rate monitors Receives input fromstride sensors 42. 42Exercise Up to Members can enjoy up to 50% cashback on a bike A maximum of one bike per three policy years Cashback is dependent on Vitality status50%cashbackWithVitality PlusBronze Silver Gold PlatinumCashback formembers 50% off first 500 50% off first 600 50% off first 800 50% off first 1000Maximum Saving 250 300 400 500Prices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 43. 43Rest and relax Members can enjoy discounted day visits as well as overnightstays for 1, 2 and 3 night Classic Breaks and Spa Days Includes room, all meals and use of the facilities Members can take a maximum of three guests at a discountedrate of 25% off Available to all Vitality members Plus members get 25% off products from the ChampneysCollection75% offA maximum of three bookings per year per memberPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 44. 44CharityLaureus is a unique collection of some of the greatest sportingheroes who share a belief in the power of sport to breakdown barriers, bring people together and improve the livesof young people.Subscribers can choose from four world-class sporting iconswholl offer motivation and inspiration through emails, andvideos clips. 45. 45Vitality health partnersWe have many partners to help your clients to get fitterVitality Plus health partners 46. 46Vitality incentivises your clients by giving them rewards with our Vitality partners. It also givesthem the opportunity to control their premiums by looking after their healthVitality OptimiserYour clients can choose to enhance their plan withVitality Optimiser. This gives them an upfrontdiscount on our standard protection premium in theirfirst year, as well as the opportunity to keep theirprotection premiums low in future years by taking partin Vitality. It also gives your clients Vitality Plus forjust 3 per month.Get rewardedAll our plans come with Vitality,giving members access to ourhealth partnersFREE 3* A minimum monthly premium of 20 applies to take out Vitality Plus for a single policy, or 30 for joint policies 47. 47Vitality incentivises your clients by giving them rewards with our Vitality partners. It also givesthem the opportunity to control their premiums by looking after their healthYou get everything thats includedwith Vitality and additional rewards: The opportunity to earn cashbackevery yearYou get everything thats included with Vitality, Vitality+ andmore... Lower protection premiums in the first year The opportunity to keep protection premiums low in future yearsVitality OptimiserGet rewarded* A minimum monthly premium of 20 applies to take out Vitality Plus for a single policy, or 30 for joint policies 48. 48Vitality works in three easy steps 49. 49Vitality OptimiserLOWER PREMIUMS IN THE FIRST YEAR, AND KEEP THEM LOW BY TAKINGPART IN VITALITYPay lower premiums in the first yearUpfront discount for fixed term cover Upfront discount for Whole of Life CoverTerm of cover (years) Percentagediscount5 5%10 7.5%15 10%20 12.5%25 15%30 17.5%35 20%40 20%StatusPremium change each yearAge next birthday whentaking out policy Upfront discount45 or younger 40%50 35%55 30%60 25%65 20%70 15%The discount only applies to your clients protection premium, not themonthly fee they pay for rewards and cashback.Opportunity to keep protection premiums low in future yearsYour clients Vitality status affects their future premiums2% 1% 0% -1% 50. Vitality OptimiserOpportunity to earn cashback every year by looking after their health By taking simple steps to be healthy, your clients could earn cashback every year. The more50they do to look after their health, the more cashback they could earnBronze Silver Gold PlatinumOne person covered No cashback 50 75 100Two people covered No cashback 100 150 200Any cashback we give your client may be subject to tax. This might affect their personal tax position. They may want to get financialadvice about this, or contact HM Revenue & Customs hmrc.gov.uk.Extra rewardsYour clients have access to a great range of partner discounts and rewards to keep themmotivated for just 3 per month. 51. 51Vitality OptimiserEXAMPLEYearsDiscounted protection premiums in the first year,and the chance to reduce premiums in future yearsAssumptions 25 year term 15% upfront discount Status remains the same throughout Does not take into account the monthly fee for rewards and cashback 52. Clients who havent chosen Vitality Optimiser can still get a chance to reduce their premiumsevery year with our PruProtect plan. The more they take part in Vitality, the bigger the premiumdiscounts become.At the end of every year we look at your clients Vitality status. If theyve reached Silver, Gold orPlatinum status, we give them a discount on their premium which they keep until the end oftheir plan.StatusPremium discount 0% 1% 1.5% 3%Your client can get another premium discount the next year, and every year until their plan ends.52Premium DiscountsBy the end of the plan, someone with Platinum status every year could be paying half whatthey were paying at the start*Premium discounts do not apply for Health Cover, Vitality Plus or Business Protection 53. 53Premium DiscountsEXAMPLESYears YearsOnce theyve earned a premium discount, theyll keep it to the end of their plan 54. Partner rewards 55. 55Vitality partner rewardsWELL REWARDED By upgrading to Vitality Plus, your clients can get access to even more great discounts andcashback, helping them to get even more out of life.* They can get cinema tickets, discounts on holidays, and more theyll be spoilt for choice.* A minimum monthly premium of 20 applies to take out Vitality Plus for a single policy, or 30 for joint policies 56. 56Stay healthyLLOYDSPHARMACY 10 - 50% Get up to 50% cash back based on your Vitality status andwhether a Vitality Healthcheck is taken. A maximum of 10% without the Healthcheck, and for clientswithout Vitality Plus or Vitality Optimiser. A maximum 50 discountable spend per policy per calendarmonth Excludes nappies, infant formula milk, prescription charges (NHSor private), codeine based products and mobile phone top-upscash backBronze Silver Gold PlatinumHealthchecktaken 10% 20% 40% 50%Healthchecknot taken 10% 10% 10% 10%Prices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 57. 57Go on holidayMARK WARNER Offering a mix of ski and beach resort holidays Members can start taking advantage of discounts as soonas the principal member has completed their Health Review A maximum of two trips can be booked per year with MarkWarner and Mr & Mrs SmithUp to25% offfirst 500With VitalityPlusBronze Silver Gold Platinum25% discountapplies to the first 200 300 400 500Maximum discount 50 75 100 125If there are two or more adults on the plan the maximum cash back will be doubledPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 58. 58Go on holidayMR & MRS SMITH Up to 25% cashback off the lowest price for boutique andluxury hotels Price match guarantee. Get an extra 50 for your nextbreak if you find your hotel stay cheaper elsewhere Free exclusive extras such as champagne, spa treatmentsand picnic lunches One booking per plan month A maximum of two trips can be booked per year with Mr &Mrs Smith and Mark WarnerUp to25%cashbackWith VitalityPlusBronze Silver Gold PlatinumCash back appliesto the first 200 300 400 500Maximum cashback 50 75 100 125If there are two or more adults on the plan the maximum cash back will be doubledPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 59. 59Go on holidayEUROSTAR Once the Health Review is complete, members can enjoyup to 50% off tickets to Paris, Lille or any station in Belgiumand direct services to Disney, Avignon, Bourg St Mauriceand Moutier Applies to Standard class and Standard Premier returns Up to three return trips per policy year And from July 2014, members could even get some extratime on the slopes on a direct service to the French orSwiss Alps.Member for Bronze Silver Gold PlatinumLess than 3 years 25% 30% 35% 40%More than 3 years 25% 35% 40% 50%Prices and discounts shown are correct as of June 2011. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply.25% to50% offWith VitalityPlusPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 60. 60EntertainmentTICKETMASTER One third cashback on ticket purchases Tickets for: Music Arts Attractions Theatre Family events Sports And more Number of events per year increases with Vitality status An activation fee of 10 for a single policy, and 15 for a jointpolicyA thirdcashbackWith VitalityPlusPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 61. 61EntertainmentMERLIN 30% off a Standard Annual Pass with Merlin Nationwide attractions30% offWith VitalityPlusPrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 62. 62Entertainment:CINEWORLD AND VUE One cinema ticket per member per week for eitherCineworld or VuePrices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply.CinematicketsWith VitalityPlus 63. 63Stay in touchBUYMOBILES.NET Cash rebate on any24-month phone plan Rebate is dependent on Vitality status: One phone plan per member is permitted The cashback is capped to the tariff valueUp to 15monthlycashbackWith VitalityPlusBronze Silver Gold PlatinumMonthly Rebate5 7.50 12.50 15Prices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk.Vitality partners' own terms and conditions apply. 64. Clients could getback more than theypay in premiums 65. Case studies 66. 66Moving from Bronze to Gold status in nine monthsExampleDavid starts on Bronze Vitality status.By making the effort to be healthy across all areas of Vitality, Davidcan improve his status and receive greater renewal rewards andgreater discounts with Vitality reward partners.Activity PointsComplete Health Review 100Completes a non-smokersdeclaration and passes the non-smokerstest300Mental wellbeing assessments onMember Zone 50Average of 2-3 workouts per week 830Health and Fitness assessment(scored in the healthy range) 360Total points 1640This is a example case study for illustrative purposes only. It has been inspired by our members 67. 67Real life case study:FRANKS STORYThankfully for Frank, his engagement in Vitality led to the earlydetection of his cancer and possibly saved his lifeFrank attended a discounted health screen and discovered hehad Prostate CancerIf Frank had not attended a health screen how long would ithave taken to detect his cancer?Frank received a payout of 50% of his SIC amountHis family continue to have full coverFranks claim experienceSee our Claims casestudy for moredetailsThis is a example case study for illustrative purposes only. It has been inspired by our membersAge: 56 years oldSmoker: NoPolicy details: Life Cover andComprehensive Serious Illness Cover (SIC)MPA:100%Time policy in force: Five monthsType of claim: SICCause of claim: Prostate cancerWatch Frank tell his story here:youtube.com/watch?v=_hfHlFIu-T0 68. We give you more too 69. Why should you be a spokesperson for Vitality?GIVING YOU MORE OPPORTUNITIES Offer your clients a differentiated product with benefits they can use everyday, not just when69they need to make a claim Retain your existing clients. 83% of respondents in a study we conducted said that theyreinterested in a protection plan that rewards them even if they dont claim, and engagedmembers are less likely to lapse their policy Revisit your existing clients with the opportunity to upgrade to Vitality Plus, giving themmore rewards, and you, increased revenueSource: Immerse, 2013 70. Summary 71. 71Our plans come with VitalityWHATS INCLUDEDEveryone has access to these benefitsUNDERSTAND YOUR HEALTH15 introductory rate Vitality Health check at a pharmacy in our network50% off health screens with BMI Healthcare and Nuffield Health1Free fitness assessments with Virgin ActiveGET ACTIVE50% off a pair of sports shoes with Sweatshop50% off a heart rate monitor, sensor or cycling computer with PolarA choice of three Fitbugs from 30 plus p&pVitality points with parkrun, adidas miCoach, Nike+, Garmin, our Vitality Active app and themajority of Fitbit devicesWELLBEING AND RELAXATION75% off Champneys spa breaks and 25% off day spa treatmentsAn exclusive 12 month National Trust pass for 33.67Free self-help guides and tools from Living Life to the FullNo subscription payment for up to a year with Weight Watchers2STOP SMOKING Free Allen Carrs Easyway to Stop Smoking programmeMORE10% cashback with LloydsPharmacyInspirational videos and messages with our charity partner LaureusThe opportunity to reduce premiums and earn cashback31 Eligibility criteria applies | 2 There is a 30 subscription payment which we may refund if goal weight is reached| 3 Premiums are not reduced for Health Cover, VitalityPlus, Vitality Optimiser and Business Protection Plan | Prices and discounts shown are correct as of June 2014. For the latest details, visit pruprotect.co.uk. | Vitalitypartners' own terms and conditions apply. 72. 72Get more with Vitality Plus and Vitality OptimiserEVEN MORE REWARDSClients that choose to upgrade get the following Vitality Plus benefits as wellGET ACTIVE 50% off monthly gym membership fees with Virgin ActiveUp to 50% cashback on a bike with Evans CyclesENTERTAINMENTA free cinema ticket each week with Cineworld or VueA third off events with Ticketmaster30% off a standard annual pass to some of the UKs top attractions with MerlinSTAY IN TOUCH Up to 15 monthly cashback on mobile phone contracts with buymobiles.netHOLIDAYSUp to 25% cashback on a holiday with Mr & Mrs SmithUp to 25% off a holiday with Mark WarnerUp to 50% off tickets to Paris, Lille, Brussels and more with EurostarMOREUp to 50% cashback with LloydsPharmacyThe opportunity to earn cashbackThe opportunity to control premiums by looking after your health with Vitality Optimiser* A minimum monthly premium of 20 applies to take out Vitality Plus for a single policy, or 30 for joint policies | Prices and discounts shown are correct as of June2014. For the latest details, visit pruprotect.co.uk. | Vitality partners' own terms and conditions apply. 73. 73Vitality partners at a glanceVitality Plus partnersVitality partners 74. 74Summary of benefitsType of planBENEFITSHealth partnerdiscountsThe opportunity tocontrol yourpremiums by lookingafter your healthThe opportunity toearn cashbackA range of additionalrewardsUpfront discounts onpremiumsVitality Optimiserwith any planAdd Vitality Plus tothe PruProtect PlanAdd Vitality Plus to theEssentials PlanPruProtect PlanEssentials Plan 75. 75Marketing tools and supportWe have a series of literature and tools to get you on your way with selling Vitality. To find outmore visit pruprotect.co.uk/literatureVitality calculatorsSee how much you could save withVitality, as well as the points you couldearn by taking part in healthy activitiesInteractive clients guide to VitalityAn introduction to the principles ofVitality. Click here to try it.Literature and press advertsStay up-to-date with everything that Vitalityhas to offerSupportOur UK based telephone service isavailable to answer your clients Vitalityqueries 0845 601 0072 76. Footer/date