Protection that goes furtherSpeaker forename and surname

Speaker job title OR date

2

Agenda

① Who is PruProtect?

② Trends impacting protection

③ Facts, stats and quotes

④ Personal products

⑤ Business products

⑥ Vitality and Vitality Plus

⑦ Growing your business

The need for healthy living

4

The UK needs and wants to be wellTHE OXFORD HEALTH ALLIANCE’S 3 - 4 - 50 MODEL

The Oxford Health Alliance: 3four50.com (2013)

Drivers of morbidity andmortality

3

4

50

Vitality

Serious Illness CoverIncome Protection Cover

Life Cover

5

There is a real need for wellness

1. Irish Cancer Society (2014) 2. Diabetes UK (2013) 3. World Heart Federation (2013), 4. Kings Fund and BBC (2013)

80% of type II diabetes cases could be prevented through lifestyle changes such as more exercise and eating more healthily2

Up to 40% of cancers could be prevented through exercising regularly & eating sensibly1

Physically inactive people have almost double the risk of dying from coronary heart disease than active people3

80% of adults are not reaching government targets for moderate exercise4

6

What drives people is not always rational

“The rational man”

Standard models for economics assume that humans are rational, calculating and unemotional, and act in a way to maximise their self interest

Standard wellness assumes that people will be rational about their wellness to maximise their long-term health

7

The downfall of traditional health and wellbeing models

This is simply

not the case

Standard models for health and wellness assume that if people understand what is best for their health in the long term, they will do it.

8

• 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 extra health risks that obesity poses

• Yet people don’t necessarily make healthier choices

Example of decision delusionsTHE OBESITY PANDEMIC

Source: Reducing obesity and improving diet, Government policy, 2013

Can we increase adherence through incentives?

Integrating health and wellness is about understanding human behaviour and addressing an individual’s needs and wants

The Vitality programme

11

Our healthy living rewards programme to help your clients to get and stay healthy

Created in conjunction with doctors, scientists and academics

We help your clients track their progress by awarding points for doing healthy things

And to keep your clients motivated, we give them rewards for making positive changes to help them to get and stay healthy for less

What is Vitality?

Protection cover with benefits for everyone, not just those that claim

12

Vitality RECOGNISED LEADER IN INCENTIVISED WELLNESS

The largest incentive-based wellness programme in the world with

7 million members worldwide

Wall Street Journal (21 June 2013), PruProtect data (2013)

13

Vitality’s impact on clients’ healthRELATIVE CLAIMS AND LAPSE RATES BY VITALITY STATUS

Mortality

Experience shows that clients with higher Vitality statuses have less chance of claiming or lapsing their policies

Discovery South African Experience (2013)

Clients who are highly engaged are less likely to claim for a death benefit than those without Vitality.

Clients who are highly engaged are less likely to claim for an illness than those without Vitality.

Clients who are highly engaged are less likely to lapse their policies than those without Vitality.

0%

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No Vitality

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Low Medium High

No Vitality No Vitality

Morbidity Lapses

Engagement Engagement Engagement

14

PruProtect’s growth underpinned by Vitality

The fastest growing protection insurer in the UK (% growth)

PruProtect data (2013)

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Policies in force

APE in £millions

15

Member engagement with selected Vitality partnersUK PARTICIPATION LEVELS 2013

25 million Vitality points awarded

52,000online health checks

780,000gym visits

Did you know?

People that take out cinema codes are more likely to engage with other Vitality partners

Up to 1,500

cinema codes generated each day

PruProtect data (2013)

16

Vitality is an appealing and agreeable concept

PruProtect and Immerse study (2013)

46 48 50 52 54 56 58 60

I'd welcome encouragement or incentives to be healthier

I'd like to better understand my health

Protection and life insurers should help their customers leadhealthier lifestyles

17

Vitality is an appealing and agreeable concept

“You get cash-back as an extra incentive to be healthy each year”

81% appeal

“You get something back even if you don’t claim – such as cash-back, premium reductions, savings and discounts”

83% appeal

PruProtect and Immerse study (2013)

How it works

19

The issues

Innovative protection solutions built around the customer

How can we drivebehavioural change?

Global recession

The industry is changing

The online revolution

How can you keeppace?

How can the industrygrow as a whole?

The need for health and wellness

Austerity

The industry is changing

The online revolution

20

Our solution

• Unique protection benefits• The chance to receive

upfront discounts on premiums, annual premium reductions and cashback

• Discounts on things like holidays, and gym membership

• New Vitality partners

• New quote tool • Vitality Calculator • Marketing support

The need for health and wellness

Austerity

The industry is changing

The online revolution

Enhanced Vitality programme

Improved premium efficiency

Solutions based protection

Interactive online tools

21

Vitality works in three easy steps

22

Vitality works in three easy steps

23

stroke, heart attack, heart failure, chronic kidney disease, and cognitive decline

heart disease, stroke, blindness, kidney disease and amputations

HYPERTENSION

DIABETES II

CORONARY HEART DISEASE

31

32

40

FOR EVERY 100 PEOPLE DIAGNOSED

REMAIN UNDIAGNOSED

narrowing of arteries, angina and heart attack

You can’t change what you don’t know

British Heart Foundation and Diabetes UK (2013)

24

Disease detection and management

Mental health

Nutrition

Preventative care

Understanding your healthA HOLISTIC APPROACH

Physical activity

25

Understanding your health

To help you understand your health, we have a series of tools and products that members can access through the Member Zone, our online Vitality portal

•Health Review

•View the Vitality statement

•Set healthy goals

•Mental wellbeing assessments

•Healthy meal plans

•Useful articles

•Find out about our Vitality partners

•Submit screening points

•Update and maintain personal details

THE MEMBERZONE

26

The Health Review

The Health Review is a quick and easy review, designed to be the first step of the Vitality programme. By monitoring members’ general health and fitness levels, it shows what they can do to improve their health and earn Vitality points and opens up other benefits. It is recommended that the review is completed every six months.

• Personalised information• 100 Vitality points per adult per year• Split into ten sections:

– Your medical history – Your family’s medical history – Key measurements – Smoking – Alcohol – Nutrition – Exercise – Sleep – Stress – Productivity

27

The results of the Health Review will produce a Vitality Age to help further understand your health and how to improve it

The Health ReviewVITALITY AGE

Average Life Expectancy

Life Expectancy according to lifestyle++Actual Age

50

55

80 75

28

Have access to healthy activities

29

• 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 move up to Silver, then Gold, and finally Platinum

• The higher your status, the more that you get back from Vitality

Earning Vitality points

A policy with two adults and

one child would need 1,600 points to

reach Silver, 3,200 to reach Gold and

4,800 to reach Platinum

Example

30

• We help you understand your health and how to improve

• The more comprehensive screenings can be useful in the early identification of health issues that could lead to serious illness or chronic conditions in the future.

Health assessmentsUNDERSTAND YOUR HEALTH AND HOW TO IMPROVE IT

With our health partners you can book a health screen and pay from £15 for a basic health check

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.

Discounts With Vitality

Vitality Healthcheck Introductory rate of £15

50% offEligibility criteria apply

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• Fitness assessments can be booked with our Vitality partner gyms and are a great way to kick start a fitness programme

• Virgin Active offer fitness assessments free of charge and you don’t have to be registered as a gym member to have one

Fitness assessmentsFree!

With Vitality

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.

32

• Members earn 60 points for each clinical measurement taken 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 measures

Fitness assessments and health screens

With our health partners you can book a health screen and pay from £15 for a basic health check

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.

33

Vitality works in three easy steps

34

• Combination of psychotherapy and hypnotherapy

• Aims to help members to quit for good using tried and tested techniques

• Earn 300 Vitality points by taking the Vitality Healthcheck, signing the non-smokers declaration and for being tobacco and nicotine free for 12 months as well as non-smokers cashback

• Each adult can attend one free Allen Carr programme during the life of the plan

• Retail Price £250

Stop smokingFree

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.

35

• Once the £30 subscription payment is paid, members initially get six months unlimited membership giving them access to meetings, online tools and the Weight Watchers app. 

• Attend two Weight Watcher meetings per month in the first six months and we’ll extend membership for a further six months

• 15 Vitality points each week for attending a Weight Watchers meeting

• Achieve target weight and we’ll refund the subscription payment!

Lose weight No monthly

fees for up to a

year

Important information

•To be eligible, members need to be 18 years or older

•Acceptance of membership will be subject to Weight Watchers own criteria in addition to our own (e.g. not pregnant, not underweight)

•If a member ends their PruProtect plan, their Weight Watchers membership will also end on the same date

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.

36

• parkrun organises free weekly 5km timed runs run by local volunteers worldwide

• Just by registering with their Vitality number, members can earn points for taking part

Exercise

Running 10

Volunteering 5

Free

Members can a earn a maximum of 40 points/ week for gym visits, Polar, Fitbug, micoach and parkrun activities combined

37

National Trust owns:

• 709 miles of coastline

• 255,000 hectares of countryside

• >300 historic houses, gardens and parks

Exercise From 9p

per day with Vitality

Exclusive annual pass £33.67 unlimited visits

Kids free

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.

38

• Discount available on one pair of shoes per member per policy year

• Available online or in-store

• Includes full price and sale items

• Further terms and conditions apply

Exercise50% off

With Vitality

50% off sports shoes

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.

39

• 50% off full monthly fee for flexible individual gym membership

• A joining fee is chargeable by individual gyms

Exercise

Vitality points

10 per gym visit

50% off With

Vitality Plus

50% 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.

Members can a earn a maximum of 40 points/ week for gym visits, Polar, Fitbug, micoach and parkrun activities combined

40

Exercise devicesNOT EVERYONE WANTS TO GO TO THE GYM

44% of people have never used a gym and have no intention of doing so in the future

PruProtect/ PruHealth data (2014)

41

Exercise devices and apps

Points can be earned using Nike+, Garmin and the majority of Fitbit devices as well as the Vitality Active app

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.

Discounts With Vitality

• Gives a precise measurement of how intensely the user is exercising and helps see if they are on the right track and exercising effectively

•Tracks daily steps•Steps are monitored

by uploading results at least every two weeks

•From £30 + P&P

• Provides personal coaching

• Phone app to track movement by GPS

• Receives input from heart rate monitors

• Receives input from stride sensors

42

• Members can enjoy up to 50% cashback on a bike

• A maximum of one bike per three policy years

• Cashback is dependent on Vitality status

Exercise Up to 50%

cashback With

Vitality Plus

Bronze Silver Gold Platinum

Cashback for members £50% off first £500 £50% off first £600 £50% off first £800 £50% off first £1000

Maximum Saving £250 £300 £400 £500

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.

43

• Members can enjoy discounted day visits as well as overnight stays 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 discounted rate of 25% off

• Available to all Vitality members

• Plus members get 25% off products from the Champneys Collection

Rest and relax75% off

A maximum of three bookings per year per member

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.

44

Laureus is a unique collection of some of the greatest sporting heroes who share a belief in the power of sport to break down barriers, bring people together and improve the lives of young people.

Subscribers can choose from four world-class sporting icons who’ll offer motivation and inspiration through emails, and videos clips.

Charity

45

Vitality health partnersWe have many partners to help your clients to get fitter

Vitality Plus health partners

46

Vitality Optimiser

Your clients can choose to enhance their plan with Vitality Optimiser. This gives them an upfront discount on our standard protection premium in their first year, as well as the opportunity to keep their protection premiums low in future years by taking part in Vitality. It also gives your clients Vitality Plus for just £3 per month.

Vitality incentivises your clients by giving them rewards with our Vitality partners. It also gives them the opportunity to control their premiums by looking after their health

Get rewarded

All our plans come with Vitality, giving members access to our health partners

FREE £3

* A minimum monthly premium of £20 applies to take out Vitality Plus for a single policy, or £30 for joint policies

47

You get everything that’s included with Vitality and additional rewards:• The opportunity to earn cashback every year

Vitality Optimiser

Vitality incentivises your clients by giving them rewards with our Vitality partners. It also gives them the opportunity to control their premiums by looking after their health

Get rewarded

* A minimum monthly premium of £20 applies to take out Vitality Plus for a single policy, or £30 for joint policies

You get everything that’s included with Vitality, Vitality+ and more...

• Lower protection premiums in the first year• The opportunity to keep protection premiums low in future years

48

Vitality works in three easy steps

49

Status

Premium change each year

Vitality OptimiserLOWER PREMIUMS IN THE FIRST YEAR, AND KEEP THEM LOW BY TAKING PART IN VITALITY

Pay lower premiums in the first year

Term of cover (years)Percentage

discount

5 5%10 7.5%15 10%20 12.5%25 15%30 17.5%35 20%40 20%

Age next birthday when taking out policy

Upfront discount

45 or younger 40%50 35%55 30%60 25%65 20%70 15%

Opportunity to keep protection premiums low in future years

Your clients’ Vitality status affects their future premiums

Upfront discount for fixed term cover Upfront discount for Whole of Life Cover

The discount only applies to your client’s protection premium, not the monthly fee they pay for rewards and cashback.

2% 1% 0% -1%

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• By taking simple steps to be healthy, your clients could earn cashback every year. The more they do to look after their health, the more cashback they could earn

Vitality Optimiser

Opportunity to earn cashback every year by looking after their health

Bronze Silver Gold Platinum

One person covered No cashback £50 £75 £100

Two people covered No cashback £100 £150 £200

Extra rewards

Your clients have access to a great range of partner discounts and rewards to keep them motivated for just £3 per month.

Any cashback we give your client may be subject to tax. This might affect their personal tax position. They may want to get financial advice about this, or contact HM Revenue & Customs hmrc.gov.uk.

51

Vitality OptimiserEXAMPLE

Years

Discounted protection premiums in the first year, and the chance to reduce premiums in future years

Assumptions

• 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 haven’t chosen Vitality Optimiser can still get a chance to reduce their premiums every year with our PruProtect plan. The more they take part in Vitality, the bigger the premium discounts become.

At the end of every year we look at your clients’ Vitality status. If they’ve reached Silver, Gold or Platinum status, we give them a discount on their premium which they keep until the end of their plan.

Premium Discounts

By the end of the plan, someone with Platinum status every year could be paying half what they were paying at the start

Status

Premium discount 0% 1% 1.5% 3%

Your client can get another premium discount the next year, and every year until their plan ends.

*Premium discounts do not apply for Health Cover, Vitality Plus or Business Protection

53

Premium DiscountsEXAMPLES

Years Years

Once they’ve earned a premium discount, they’ll keep it to the end of their plan

Partner rewards

55

• By upgrading to Vitality Plus, your clients can get access to even more great discounts and cashback, helping them to get even more out of life.*

• They can get cinema tickets, discounts on holidays, and more – they’ll be spoilt for choice.

Vitality partner rewardsWELL REWARDED

* A minimum monthly premium of £20 applies to take out Vitality Plus for a single policy, or £30 for joint policies

56

• Get up to 50% cash back based on your Vitality status and whether a Vitality Healthcheck is taken.

• A maximum of 10% without the Healthcheck, and for clients without Vitality Plus or Vitality Optimiser.

• A maximum £50 discountable spend per policy per calendar month

• Excludes nappies, infant formula milk, prescription charges (NHS or private), codeine based products and mobile phone top-ups

Stay healthyLLOYDSPHARMACY 10 - 50%

cash back

Bronze Silver Gold Platinum

Healthcheck taken

10% 20% 40% 50%

Healthcheck not 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

• Offering a mix of ski and beach resort holidays

• Members can start taking advantage of discounts as soon as the principal member has completed their Health Review

• A maximum of two trips can be booked per year with Mark Warner and Mr & Mrs Smith

Go on holidayMARK WARNER

Up to

25% off first £500With Vitality

Plus

If 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.

Bronze Silver Gold Platinum

25% discount applies to the first

£200 £300 £400 £500

Maximum discount £50 £75 £100 £125

58

• Up to 25% cashback off the lowest price for boutique and luxury hotels

• Price match guarantee. Get an extra £50 for your next break if you find your hotel stay cheaper elsewhere

• Free exclusive extras such as champagne, spa treatments and picnic lunches

• One booking per plan month

• A maximum of two trips can be booked per year with Mr & Mrs Smith and Mark Warner

Go on holidayMR & MRS SMITH

Up to 25%

cashback

With Vitality Plus

Bronze Silver Gold Platinum

Cash back applies to the first

£200 £300 £400 £500

Maximum cash back

£50 £75 £100 £125

If 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

• Once the Health Review is complete, members can enjoy up to 50% off tickets to Paris, Lille or any station in Belgium and direct services to Disney, Avignon, Bourg St Maurice and 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 extra time on the slopes on a direct service to the French or Swiss Alps.

Go on holidayEUROSTAR

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.

Member for Bronze Silver Gold Platinum

Less than 3 years 25% 30% 35% 40%

More than 3 years 25% 35% 40% 50%

25% to 50% offWith Vitality

Plus

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.

60

• 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 joint policy

EntertainmentTICKETMASTER

A third cashback

With Vitality Plus

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.

61

• 30% off a Standard Annual Pass with Merlin

• Nationwide attractions

EntertainmentMERLIN

30% offWith Vitality

Plus

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.

62

• One cinema ticket per member per week for either Cineworld or Vue

Entertainment:CINEWORLD AND VUE

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.

Cinema tickets

With Vitality Plus

63

• Cash rebate on any 24-month phone plan

• Rebate is dependent on Vitality status:

• One phone plan per member is permitted

• The cashback is capped to the tariff value

Stay in touchBUYMOBILES.NET

Up to £15 monthly

cashback

With Vitality Plus

Bronze Silver Gold Platinum

Monthly Rebate

£5 £7.50 £12.50 £15

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.

Clients could get back more than they pay in premiums

Case studies

66

Example

David starts on Bronze Vitality status. By making the effort to be healthy across all areas of Vitality, David can improve his status and receive greater renewal rewards and greater discounts with Vitality reward partners.

Moving from Bronze to Gold status in nine months

Activity Points

Complete Health Review 100

Completes a non-smokers

declaration and passes the non-smokers test

300

Mental wellbeing assessments on Member Zone

50

Average of 2-3 workouts per week 830

Health and Fitness assessment (scored in the healthy range)

360

Total points 1640

This is a example case study for illustrative purposes only. It has been inspired by our members

67

Thankfully for Frank, his engagement in Vitality led to the early detection of his cancer – and possibly saved his life

•Frank attended a discounted health screen and discovered he had Prostate Cancer

•If Frank had not attended a health screen – how long would it have taken to detect his cancer?

•Frank received a payout of 50% of his SIC amount

•His family continue to have full cover

Real life case study:FRANK’S STORY

See our Claims case study for more details

This is a example case study for illustrative purposes only. It has been inspired by our members

Age: 56 years oldSmoker: NoPolicy details: Life Cover and Comprehensive Serious Illness Cover (SIC)MPA:100%Time policy in force: Five monthsType of claim: SICCause of claim: Prostate cancer

Watch Frank tell his story here:youtube.com/watch?v=_hfHlFIu-T0

Frank’s claim experience

We give you more too

69

• Offer your clients a differentiated product with benefits they can use everyday, not just when they need to make a claim

• Retain your existing clients. 83% of respondents in a study we conducted said that they’re interested in a protection plan that rewards them even if they don’t claim, and engaged members are less likely to lapse their policy

• Revisit your existing clients with the opportunity to upgrade to Vitality Plus, giving them more rewards, and you, increased revenue

Why should you be a spokesperson for Vitality?GIVING YOU MORE OPPORTUNITIES

Source: Immerse, 2013

Summary

71

Everyone has access to these benefits

UNDERSTAND YOUR HEALTH

£15 introductory rate Vitality Health check at a pharmacy in our network

50% off health screens with BMI Healthcare and Nuffield Health1

Free fitness assessments with Virgin Active

GET ACTIVE

50% off a pair of sports shoes with Sweatshop

50% off a heart rate monitor, sensor or cycling computer with Polar

A choice of three Fitbugs from £30 plus p&pVitality points with parkrun, adidas miCoach, Nike+, Garmin, our Vitality Active app and the majority of Fitbit devices

WELLBEING AND RELAXATION

75% off Champneys spa breaks and 25% off day spa treatments

An exclusive 12 month National Trust pass for £33.67

Free self-help guides and tools from Living Life to the Full

No subscription payment for up to a year with Weight Watchers2

STOP SMOKING Free Allen Carr’s Easyway to Stop Smoking programme

MORE

10% cashback with LloydsPharmacyInspirational videos and messages with our charity partner Laureus

The opportunity to reduce premiums and earn cashback3

Our plans come with Vitality

WHAT’S INCLUDED

1 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, Vitality Plus, Vitality Optimiser and Business Protection Plan | 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.

72

Get more with Vitality Plus and Vitality OptimiserEVEN MORE REWARDS

Clients that choose to upgrade get the following Vitality Plus benefits as well 

GET ACTIVE50% off monthly gym membership fees with Virgin Active

Up to 50% cashback on a bike with Evans Cycles

ENTERTAINMENT

A free cinema ticket each week with Cineworld or Vue

A third off events with Ticketmaster

30% off a standard annual pass to some of the UK’s top attractions with Merlin

STAY IN TOUCH Up to £15 monthly cashback on mobile phone contracts with buymobiles.net

HOLIDAYS

Up to 25% cashback on a holiday with Mr & Mrs Smith

Up to 25% off a holiday with Mark Warner

Up to 50% off tickets to Paris, Lille, Brussels and more with Eurostar

MORE

Up to 50% cashback with LloydsPharmacy

The opportunity to earn cashback

The 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 June 2014. For the latest details, visit pruprotect.co.uk. | Vitality partners' own terms and conditions apply.

73

Vitality partners at a glanceVitality Plus partners

Vitality partners

74

Summary of benefits

Type of plan

BENEFITS

Health partner discounts

The opportunity to control your premiums by looking after your health

The opportunity to earn cashback

A range of additional rewards

Upfront discounts on premiums

Vitality Optimiserwith any plan        

Add Vitality Plus to the PruProtect Plan        

Add Vitality Plus to the

Essentials Plan        

PruProtect Plan        

Essentials Plan        

75

We have a series of literature and tools to get you on your way with selling Vitality. To find out more visit pruprotect.co.uk/literature

Marketing tools and support

Vitality calculators See how much you could save with Vitality, as well as the points you could earn by taking part in healthy activities

Literature and press adverts Stay up-to-date with everything that Vitality has to offer

SupportOur UK based telephone service is available to answer your client’s Vitality queries 0845 601 0072

Interactive client’s guide to VitalityAn introduction to the principles of Vitality. Click here to try it.

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