At the heart of every Vitality plan is a human being: a statement that rings true most when a claim is made. There is no escaping the seismic impact that the COVID-19 pandemic had on the lives of all of us last year. In the face of widespread loss of life and financial insecurity for many, we are extremely proud that we delivered a record £92m worth of pay-outs to our members during an incredibly challenging year. And none of this would have been possible without the help of financial advisers. Our member data from last year also shows how we’ve helped our members live longer, delay the onset of disease and reduce the risk of complications or death from COVID-19, as well as delivering financial value through the incentives themselves. At Vitality, our core purpose is to protect and enhance our member’s lives. We fulfil our core purpose by supporting healthy behaviour change through the Vitality Programme, as well as providing best-in-class products in every category – something reflected by the numbers in this report. Having a comprehensive protection plan with benefits designed to reflect the modern trend in illnesses has therefore never been more crucial for individuals and families across the UK. This is highlighted by our insights for Serious Illness Cover, which saw one in twelve claims occurring as unique to Vitality and one in eleven being on plans previously claimed on. The pandemic may have highlighted the need for protection, but it has also reinforced the benefits of positive lifestyle choices in an entirely new light, especially considering that good health and wellbeing itself has been shown to provide a measure of protection from the virus. We are therefore delighted to share with you how – with the help of advisers and distributors – we’ve enhanced our member’s lives through engagement in the Vitality Programme. Our new Vitality at Home benefit delivered £14m in additional value last year through a range of new partners and rewards introduced to help our members get more active during the pandemic and beyond. Foreword by Justin Skinner. Managing Director, VitalityLife. Having a comprehensive protection plan with benefits designed to reflect the modern trend in illnesses has therefore never been more crucial for individuals and families across the UK.