Life insurance wellbeing benefits roundup

Did you know that most of the UK’s leading life insurance providers now offer free additional benefits with your life insurance policy?*

These benefits are designed to support your wellbeing and often include free mental health support, 24/7 virtual GP appointments, annual health checks, and more. Plus, with the never-ending cost of living crisis, who would say no to freebies?


Vitality rewards you for maintaining a healthy lifestyle. Earn points and enjoy rewards ranging from free coffees to 75% off spa weekends. Here are some of the top benefits

  • Apple Watch SE from just £7 a month. Keep active to earn points and reduce your monthly payments.
  • Free cinema tickets
  • 12-month Amazon Prime membership
  • Get up to 36% off FitBit devices
  • Up to 50% off selected gym memberships
  • Free weekly Caffè Nero coffee
  • Get money off health screenings with Bluecrest
  • Up to 40% off selected Garmin watches
  • A 12-month subscription to Headspace is free with a qualifying policy

Vitality promotes a healthy lifestyle by encouraging positive habits. As you stay active and healthy, you earn more points, unlocking more rewards.


AIG’s Smart Health service is one of the most comprehensive provider services out there, providing an extensive range of services. Their exclusive range of support services looks a bit like this:

  • 24/7 access to GP consultations - online or by phone
  • Fitness plans and advice
  • Mental health support and counselling
  • Health checks
  • Second opinions
  • Personalised nutrition plans and advice

Their Smart Health services are available to policyholders 24 hours a day, 365 days a year, at no additional cost. These benefits also extend to your partner and any children up to the age of 21.

Royal London

Royal London offers A Helping Hand. This service can help with a myriad of different issues.

From the start of 2022, customers who arrange their cover with Royal London can obtain a personalised health report to promote and maintain a healthy lifestyle. You will also have full access to Royal London's wellbeing services.

One of these services is Thrive, an NHS-approved mental wellbeing app that provides personalised recommendations to help prevent, detect, and self-manage mental health conditions such as stress and anxiety. Thrive also offers a range of techniques that can help improve overall mental wellbeing.

Liverpool Victoria

If you have a policy with Liverpool Victoria, they offer much support with their benefit, LV= Doctor Services.  One of the main components of this service is the remote GP service, which provides 24/7 access and unlimited consultations with a UK doctor for you and your partner (at the same address).

Appointments are available 24/7, usually within 2 hours. The remote GP can assist with:

  • Colds and flu
  • Headaches and migraines
  • Back problems
  • Serious illnesses
  • Sickness and diarrhoea
  • Skin rashes and abscesses
  • Mental health
  • Sports injuries 

Your Remote GP will:

  • Treat everyday illnesses
  • Provide a diagnosis
  • Refer you to a specialist

You can also access second medical opinions, prescription services, physiotherapy to get you back on your feet, mental health support, and more.

Legal and General

Legal and General’s free benefits include a partnership with RedArc, meaning they can provide all of the benefits that come under the Redarc umbrella. Redarc services.

The Redarc services provide access to experienced personal nurses who can offer support for the following situations:

  • Long term physical and mental illness
  • Trauma
  • Bereavement
  • Disability

Using Legal and General's wellbeing benefits will not impact your main policy, and if you have a pre-existing medical condition, you can still use the support. They can also provide practical guidance on navigating the NHS, social care, charities, support groups, and later life planning.

Additionally, included as standard with Legal and General income protection policies, you'll be given access to their in-house team of healthcare professionals. This service supports a quicker return to work and good mental and physical health.


Life insurance provider Aviva offers Digicare+ to its customers. This app provides many useful services, such as annual health checks, mental health support, fitness discounts, health plans, and second medical opinions.

These services are of no extra cost to you, and the mental health support includes access to qualified therapists who can offer help and guidance if you're struggling with mental health.

Digicare+ also offers advice from qualified professionals who can advise parents worried about their younger children (under 16). You can also receive up to six video or phone psychotherapy sessions for free. Booking can be done quickly and easily through the app, meaning you can get an appointment in a few days. 

Caspian Insurance

At Caspian Insurance, we evaluate your circumstances and recommend a policy based on your affordability and needs. It’s important to remember that everyone’s life insurance policy is unique, as each policy is assessed on a case-by-case basis.

Want to learn more? Get started with a free quote today. 

*Free benefits are not contractual and may be changed or withdrawn in the future.