Life insurance isn’t just for when you’re dead. It can be for when you’re living too.
There are so many free benefits you can use when you take out a life insurance policy. These days, the top life insurance companies are offering wellbeing perks when you take out a policy with them. We work with the UK’s leading life insurance providers, so we do the hard work for you. We’ve reviewed the perks offered by top providers and listed them below in this guide.
Aviva
Aviva offers a range of physical and mental health benefits that you can use to keep you and your family healthy and happy.
- Annual health check: Send them a pin-prick blood sample and it’ll be tested for 20 health markers. A personalised report will be published in the Digicare+ app and a follow-up GP appointment can be arranged. Tracking and managing your health and wellbeing is a lot easier if you know how your body is doing.
- You’ll have up to six sessions a year with a nutritionist who’ll provide advice on eating plans, how to change your relationship with food, and how to break less healthy habits. You can share these sessions with your partner and kids.
- Discounts on gym memberships and home fitness classes.
- The nursing staff are ready to help 24 hours a day with any medical issues. You, your partner, and your children have no limit on the number of calls you can make. Having the knowledge that help is only a phone call away provides peace of mind.
- Support is also available for a range of mental health conditions via video or telephone consultations with a qualified specialist.
- Professional help from a qualified counsellor when someone close to you passes away. In addition to 6 mental health sessions per year, you’re entitled to 6 further sessions in the 12 months following a bereavement. In tough times it’s important to be able to talk to someone that you trust and that can provide advice for you.
- Grief support for young people. Grief Encounter is a charity that cares passionately about helping bereaved children, young people and their families. They’re able to send out Grief Relief kits and, if appropriate, provide help from a specialised team of trained bereavement support workers and therapists.
- Aviva have teamed up with Red Apple Law to offer you access to legal support and professional guidance when administering a deceased estate, including probate options.
- A guide to support you with the essential tasks that often follow bereavement. The guide sets out registering a death, arranging a funeral, what to do about pensions, tax and banking.
- If you need reassurance or alternative treatment options following a medical diagnosis, you can get a second opinion from a healthcare specialist.
LV=
With your LV= life insurance policy you can gain access to LV= Doctors services which aim to help you in all aspects of your health.
- LV=’s Doctor Services offers 24/7 access to a remote GP alongside unlimited consultations to a UK doctor. This service is also available to your partner if they live at the same address.
- The Second Opinion service is there to help you check a diagnosis, answer any questions you may have and make you aware of all your treatment options available to you.
- The remote GP also offers prescriptions, meaning you don’t have to wait or go through your GP.
- Remote physiotherapy is also available to policy holders. You and your partner can access a qualified physiotherapist without a GP referral. This can be done up to 5 times per year.
- A 25% discount on health MOTs is available as part of their LV= Doctor Services. This includes tests such as blood pressure checks and vital organ analysis for you and your partner.
Vitality
Vitality has a mix of perks that help you get more active and take care of your wellbeing alongside discounts from big names like Vue and Odeon, Garmin and Waitrose as well.
- Discounted gym membership, spa breaks and coffee.
- If you keep active, then Vitality pays for an Apple Watch once you pay a deposit. This is a great way to monitor and maintain your activity.
- If you keep up a specified level of activity then Vitality will lower your monthly premium.
- Aviva DigiCare+ is an app that allows you to monitor your health and wellbeing at no added cost Services like mental health support, 24/7 nurse access, annual health checks, second opinion services and bereavement support make sure you are aware of your wellbeing and can improve it.
Legal & General
Legal & General’s offering of perks focus on making the process of getting life insurance as stress free as possible.
Wellbeing support service via RedArc
- A dedicated nurse is available to you to issue information, guidance and advice, access to clinical assessments and additional services from the moment you take out the policy. Having someone that knows your situation and has the context to give the best advice for you allows for a better healthcare experience.
- Care Concierge provides a tailored service to help understand and find adult and later life care.
- You can talk to Care Experts confidentially and get free impartial advice and guidance over the phone which can help you or loved ones care for adults or later in life. They are available to both you and your family. This is a sensitive issue for a lot of people and impartial advice that is suited to your particular circumstance can be invaluable.
Scottish Widows
Scottish Widows offers a comprehensive range of benefits that aim to help you and your family with a range of health services. You get access to Scottish Widows Care which is made up of:
- Macmillan Cancer support can help to minimise any impact on your finances if you or a loved one have been or are going through the process of a cancer diagnosis.
- RedArc – you get assigned a nurse that’s dedicated to help with any medical issues or questions you might have. It’s miles better than googling your symptoms.
- Clinic in a Pocket – remote GP and prescription delivery services at no extra cost all from a handy app.
Zurich
Zurich Support Services offers advice and guidance that can help with your family, career, money management and legal information alongside a free health and wellbeing service.
- You can access daily living support which can help with property search, household help, sports clubs search, research for social events.
- Childcare support and referrals are available to you. Information, resources, and support from pre-conception or adoption, right through to children leaving the nest including information on education, schools and support on teenager issues.
- Elder care support is also available with support on health issues common in older people, information on benefits, community care and in-home support aids. Tailored searches for elder care accommodations and community resources are also available to you.
- You can also receive an hour with a qualified career coach and CV help, confidence building and interview technique. This advice is brilliant if you are looking to move into a new role or make a career change.
- Support around debt, income and expenditure, negotiations with creditors and information on IVAs, bankruptcy, default notices or CCJs can be accessed if needed.
- Trained professionals can help you make decisions around legal matters and can research particular questions or search requests.
- 6 counselling sessions by fully qualified and experienced counsellors are available to you. These sessions are in person with a counsellor local to you.
Royal London
Helping Hand is a package of services, offered by Royal London, that supports your wellbeing and encourages you to live a healthy lifestyle. They offer:
- Mental wellbeing support through Thrive, an app that offers mental health support through features like guided relaxation, breathing exercises, mood tracking, and access to therapy.
- 24/7 GP support via HealthHero- Offering access to a doctor, anytime via video, phone or message alongside treatment for common illnesses that can be quickly prescribed online.
- Physiotherapy advice via TrackActiveMe – an online tool that can assess and triage, rehabilitate or aim to prevent any musculoskeletal problem or concern you have.
- Personalised health report with LiveSmart – smart technology, expert blood testing and a human touch to provide insight, guidance and support to help you feel your best.
- RedArc recovery support – Get help from a dedicated and experienced nurse if you, your partner, or children suffer a serious injury, a mental illness, disability or bereavement.
The Exeter
The Exeter offers their customers a wide range of tools and perks that you can use to keep happy and healthy.
- HealthWise allows you to book phone or video consultations via the app with experienced UK-based GPs without leaving home.
- You can use HealthWise to access a second medical opinion, where a diagnosis can be assessed and analysed by a second pair of eyes.
- You can also receive assessment, diagnosis and treatment of musculoskeletal conditions.
- HealthWise also gives you access to fully trained specialists who can assess and treat a range of mental health conditions.
- Registered dietitian consultations with one-to-one consultations with a HCPC registered dietitian who can help you improve your health and wellbeing.
- Access the lifestyle service for tailored advice to maximise overall wellbeing. By delving into areas such as sleep, stress management, movement and exercise, these consultations can be hugely beneficial.
- Get personalised guidance on healthy food habit changes on a day-to-day basis to promote health and wellbeing with the nutrition service.
- Keep on top of your health with a yearly Health MOT through a pin prick blood test. This test checks 20 different markers to spot any problems early on.
- You can order your private and NHS repeat prescriptions through HealthWise. This service is only available in England.
There’s a wide range of perks available from each provider, depending on your unique situation and needs. Our advisors at IGotCover can help you find the right plan. Perks are just a small part of life insurance, so it’s important to speak to someone who can help you find a policy that protects you the best.
