Life Added Value Benefits

Added Value Benefits in Life Insurance Explained

Modern life insurance policies offer far more than just a cash payout. Added value benefits provide crucial support services at no extra cost, helping you and your family navigate difficult times.

What Are Added Value Benefits?

Added value benefits (also called value-added services) are complementary services included with your life insurance policy at no additional premium. These services are designed to provide practical and emotional support to policyholders and their families.

Common Added Value Benefits Include:

Medical Services:

Second medical opinion services
24/7 GP helpline access
Mental health support and counselling
Virtual GP consultations
Medical information helplines
Health screening programmes

Bereavement Support:

Bereavement counselling (typically 6-12 sessions)
Probate and estate administration helplines
Funeral planning advice
Grief support for children
Memorial planning guidance

Legal and Financial Advice:

Legal helpline (typically 30 mins free consultation)
Will writing services (often free or discounted)
Tax and inheritance planning advice
Debt counselling services
Financial planning guidance

Lifestyle Services:

Physiotherapy referrals
Nutritional advice
Fitness and wellness programmes
Smoking cessation support
Stress management resources

Provider Comparison

Legal & General Added Value Benefits

LifeChanger:

Virtual GP service (24/7)
Mental health support
Best Doctors® second medical opinion
Bereavement counselling
Legal and tax helpline
Will writing service

Aviva Added Value Benefits

DigiCare+ Workplace:

Mental health support
Virtual GP consultations
Physiotherapy video consultations
Health MOT and nutrition advice
Bereavement support
Legal helpline

Vitality Added Value Benefits

Vitality Programme:

Rewards for healthy living
Gym membership discounts
Apple Watch programmes
Health assessments
Nutrition consultations
Mental wellbeing support

Real-World Value Examples

Example 1: Second Medical Opinion

Situation: Client diagnosed with serious condition, uncertain about treatment options.

Benefit Used: Best Doctors® service provided:

Review of all medical records
Second opinion from specialist
Alternative treatment recommendations
Peace of mind on diagnosis

Value: Private specialist consultation would cost £300-£500. Provided free.

Example 2: Bereavement Counselling

Situation: Family facing unexpected loss, children struggling emotionally.

Benefit Used: Policy included:

10 bereavement counselling sessions
Specialised child grief support
Probate helpline assistance
Funeral planning guidance

Value: Private counselling costs £60-120 per session. Total value: £600-£1,200. Provided free.

Example 3: Virtual GP Service

Situation: Policyholder experiencing health concerns, unable to get GP appointment for 2 weeks.

Benefit Used: 24/7 virtual GP service:

Same-day video consultation
Prescription issued electronically
Medical advice and reassurance
No waiting time

Value: Private GP consultation costs £60-£100. Unlimited use provided free.

Accessing Your Benefits

Step 1: Understand What's Available

Review your policy documents for your provider's specific added value benefits. Most insurers provide a dedicated booklet or online portal explaining all services.

Step 2: Register for Services

Many benefits require one-time registration:

Create online account with provider
Register for specific services (e.g., virtual GP app)
Save helpline numbers in your phone
Download any relevant apps

Step 3: Use When Needed

For Emergency/Urgent Needs:

Call 24/7 helplines directly
Use virtual GP services immediately
Access mental health crisis support

For Non-Urgent Needs:

Book appointments through online portals
Request call-backs from specialists
Schedule counselling sessions in advance

Maximising Your Benefits

Regular Use

Don't wait for emergencies:

Use virtual GP for minor ailments
Access nutritional advice for lifestyle changes
Utilise legal helpline for everyday queries
Take advantage of health screenings

Family Coverage

Many benefits extend to household members:

Spouse/partner can access GP helpline
Children can use health information services
Entire household covered for legal advice

Preventative Health

Use benefits proactively:

Annual health checks
Fitness programme participation
Smoking cessation support
Mental health check-ins

Why Added Value Benefits Matter

Financial Impact

Annual potential value:

Virtual GP visits (4x yearly): £320
Legal helpline (2x yearly): £200
Nutritional consultation: £150
Mental health support: £240
Total potential annual value: £910+

All included at no extra premium cost.

Practical Impact

Real-world benefits:

Faster access to healthcare
Expert guidance when needed
Professional support during difficult times
Peace of mind for entire family

Quality of Life

Long-term advantages:

Better health outcomes
Reduced stress and anxiety
Informed decision-making
Comprehensive family protection

Provider Innovations

Digital-First Benefits

Modern insurers increasingly offer:

Mobile health apps
AI-powered symptom checkers
Wearable device integration
Instant chat with health professionals

Wellbeing Focus

Progressive benefits include:

Mental resilience programmes
Financial wellbeing courses
Workplace stress management
Lifestyle coaching

Important Considerations

Terms and Limitations

Understand the boundaries:

Some benefits have usage limits (e.g., counselling sessions)
Waiting periods may apply to certain services
UK-only availability for some benefits
Age restrictions on specific services

Not a Replacement:

Added value benefits supplement, don't replace NHS
Always seek emergency medical help when needed
Serious conditions require proper medical treatment
Benefits provide guidance, not diagnosis

Policy Continuation

Benefits typically require:

Policy to be in force (premiums paid)
Within policy term (before maturity)
Policyholder or covered family member

Questions to Ask Your Insurer

Before purchasing life insurance, ask about:

What added value benefits are included?
Do benefits extend to family members?
Are there usage limits on any services?
How do I register and access benefits?
What support is available 24/7?
Are there any age restrictions?
Do benefits continue throughout policy term?

Comparing Policies

When choosing between policies at similar premiums:

Prioritise insurers offering:

Comprehensive medical support
Mental health services
Family coverage
24/7 access to services
Proven track record of benefit quality

Consider your specific needs:

Young families may value bereavement and child support
Self-employed might prioritise legal and financial helplines
Health-conscious may prefer wellness programmes

Next Steps

Want life insurance with comprehensive added value benefits? We can help you:

Compare Providers:

Review benefits across multiple insurers
Match benefits to your family's needs
Identify best value policies

Expert Guidance:

Explain each benefit in detail
Show how to maximise value
Ensure you understand access procedures

Ongoing Support:

Help register for services
Guide you through benefit usage
Provide contact details for all helplines

Get expert advice on life insurance with added value benefits - we'll ensure you get comprehensive coverage with maximum support services included.

Summary

Added value benefits transform life insurance from simple death cover into comprehensive family protection and support:

✓ Healthcare access: Virtual GPs, second opinions, mental health support ✓ Bereavement help: Counselling, probate guidance, grief support ✓ Legal and financial: Expert advice, will writing, financial planning ✓ Wellness support: Nutrition, fitness, health screening ✓ No extra cost: All included in your premium

Modern life insurance is about protecting your family's wellbeing today, not just providing financial security tomorrow. Added value benefits ensure you and your loved ones have expert support whenever you need it.