Extra benefits on Life Assurance…at no extra cost

Life Assurance can go beyond helping with financial protection and most companies can include several additional benefits at no extra cost when you set up a policy. Some examples of these complimentary benefits include:

1.    An option to receive a second opinion on a medical diagnosis. This service gives customers access to over 50,000 world leading experts who can double check a diagnosis, investigate alternatives, and get additional treatment options for any condition affecting a person’s quality of life. The life assurance provider will put you in touch with the most suitable expert to answer any questions you might have, give a second opinion and provide a comprehensive report to help you and your treating doctor select the best course of action.

2.    A Digital GP service – this is a private doctor service offering customers and their immediate family access to clinical advice and guidance without having to wait for a face-to-face appointment. It is not for medical emergencies but can be used in the same manner as using a local GP. They can prescribe medication and issue referrals if needed.

3.    Various specialist therapies - such as Bereavement Counselling, Speech and Language Therapy, Face-to-face second medical opinion, Mental Health Counselling, Complementary therapies or Physiotherapy for specific serious health conditions. These are just some examples of additional benefits offered with a life policy.

4.    One month's free cover - your cover starts as soon as your application is accepted but the cost of the first month is covered by the life company and your first premium starts in the second month of the policy.

5.    Stay covered for longer - you can have Term Assurance up until you turn age 91 and alternative life cover beyond that – this is the oldest age offered by any life insurance provider. People are living longer these days, so having the option to extend life cover to reflect this, is useful.

6.    A Get Fit Programme - this is another option with one life company, it includes personalised nutritional recommendations, and an exercise plan designed by a team of nutritional experts.

7.    Children’s Life Cover – many companies automatically include an amount of life cover allocated to children of the policy owner, until they reach the age of 18 (or age 21 if in full time education)

As a broker, I have access to the leading life companies and can tailor your life cover depending on your needs.