When choosing life insurance, it's easy to focus on the monthly cost or what the financial payout could be used for. However, many insurers also provide a range of health and wellbeing services as part of eligible policies at no additional charge.
These additional benefits can often be accessed from the day your policy starts and are designed to help you and your family stay healthy, and get support more quickly when you need it.
What benefits could your policy include?
Virtual GP access
Mental health support
Second medical opinions
Physiotherapy support
Nutrition & lifestyle advice
Nurse helplines
Annual health checks
Cancer support
Bereavement counselling
Discounts on health & wellbeing services
These benefits don't affect your ability to make a claim and can often be used whether you ever claim on your policy or not.
Important Information: Some insurers provide access to additional health and wellbeing services, but availability, eligibility and waiting periods vary by insurer and policy, and may change over time. A LifeSearch adviser can explain what's currently available and help you choose the cover that's right for your needs.
Health benefits by insurer
GP appointments, counselling, bereavement support, access to nutritionists and more.Insurance offers more than just financial protection - and many people are surprised to discover the extra support available through their policy. Benefits offered by the insurers we work with:
| Insurer | Wellbeing & health services | Family & support services |
|---|---|---|
Aviva | Aviva DigiCare+: Digital GP, health checks, nutrition, mental health, personal training and second opinions. | Aviva DigiCare+: Bereavement support, Bupa Anytime HealthLine and legal services. |
Beagle Street | N/A | Free Simple Will Service and Free Legal Advice via Lyons Davidson Solicitors. |
British Friendly | My HealthHero: Digital GP, women’s health, physiotherapy, mental health, dietitian, second opinions, annual discounted home health check. | BF Care: Death, Bereavement, Care Assistance, Recovery Support and Terminal Illness benefits. |
Cirencester Friendly | GP24 and Friendly Voice: virtual GP, personal nurse, therapies, second medical opinions. | 125 Foundation: financial support for members, individuals facing hardship and community causes. |
Guardian | Anytime: GP 24/7, Second Medical Opinion, Emotional Wellbeing and Aches & Pains consultations. | HALO: tailored medical, rehabilitation, counselling, legal, financial and family support at claim. |
Holloway Friendly | HealthHero Video GP and Medical Second Opinion (HealthHero & Healix) for diagnosis and treatment support. | Optima Health: 24/7 confidential support for stress, bereavement and family matters. |
Legal & General | Wellbeing & Rehabilitation Support Service [Income Protection only] – emotional, practical and recovery support | Care Concierge: confidential telephone care concierge services and free digital care program |
LV= | LV= Doctor Services: GP, second opinions, prescriptions, physiotherapy, mental health support and Health MOTs. | Care Navigator by MorganAsh and Legal Advice Line support for members and eligible families. |
MetLife | Support for mental, physical and financial wellbeing (Wisdom app), same-day virtual GP appointments, with private prescriptions where appropriate. | Online will writer and digital vault, funeral adviser service, bereavement and probate support |
National Friendly | Virtual GP and clinical support – same-day medical advice, second opinions and tailored treatment pathways for mental health, musculoskeletal conditions and Long Covid. | Early intervention and rehabilitation – practical, clinical and emotional support to help employees recover and return to work. Employee assistance – 24/7 confidential support for employees and their families. |
| Insurer | Wellbeing & health services | Family & support services |
|---|---|---|
OneFamily | Discounts and offers on health and wellbeing products, including digital fitness subscriptions, activity trackers and home test kits. | N/A |
Royal London | Virtual GP, mental health support, specialist therapies, bereavement support and second medical opinions. | Legal, career and family support, including will writing, probate and getting back to work. |
Scottish Widows | Clinic in a Pocket™: 24/7 GP access, prescriptions, mental health support and remote consultations. | RedArc: Personal nurse support, counselling, bereavement care, physiotherapy and second medical opinions. |
The Exeter | Remote GP, second medical opinions, physiotherapy, mental health, dietitian and nutrition support. | N/A |
Vitality | 8 Talking Therapy sessions, 12-month Headspace subscription, Wysa AI mental health coach app. Vitality Programme also offers discounts, rewards and lower renewal premiums for tracking daily exercise. | SuperCarers: care advice, care matching and 20% off ongoing care services. |
Zurich | Zurich Support Services: 24/7 emotional wellbeing support and life coaching, including counselling for anxiety, depression and stress. | Childcare, eldercare, legal, debt and daily living support. |
*Information correct at Aug 2026 and subject to change. Please check current insurer literature for full details.
How LifeSearch provides support
We’ll help you understand what your policy offers, so you can make the most of the support available to you.
Finding the right cover
Our advisers have access to up-to-date information from a wide range of insurers, including the benefits and support available with each policy, which allows us to compare your options and help you choose cover that suits your needs.
Setting up your policy
We manage the application process from start to finish, keeping you informed and making sure your policy is set up correctly.
Making your policy work for you
Your protection may include benefits such as 24/7 GP access, mental health support, counselling or specialist second opinions. We’ll help you understand what’s available and how you can access these services when you need them.
When you need us
If you do need to make a claim, our Claims team will guide you through the process and remind you of any additional benefits available through your policy. You may be able to access support such as counselling or a second medical opinion without making a claim, helping you make the most of your cover when you need it.
