Protection specialist LifeSearch has unearthed what it believes to be some of the best policy features that offer free additional cover to customers.
Free Life Insurance (Aviva) gives £10,000 worth of free life cover to each new parent who contacts Aviva before their baby is six months old, and runs until their first birthday. It is an excellent introduction to life insurance for families that have no financial protection.
Carers Benefit on Income Protection (Royal Liver) pays a lump sum of four times the gross monthly income protection benefit up to a maximum of £25,000 to parents who want to take time out from work to care for their seriously ill child.
Vitality (PruProtect) is an incentive programme that helps you live a healthier life, and then rewards you when you do. By doing certain healthy everyday activities like walking, going to the gym, eating healthily or not smoking, you can build up Vitality points and reap rewards including discounts on premiums.
Lifeline (Scottish Provident) is a specialist helpline that puts you in touch with a team of experts who can give free practical and confidential information on a wide range of issues including tax, law, health and employment, as well as counselling.
Helping Hand service (Bright Grey) comes with every Bright Grey menu plan at no extra cost and offers a broad range of help and support. It includes access to a specialist nurse, therapist and counsellor and a range of helplines.
Return to work (Pioneer). As part of the income protection policy, Pioneer will fund appointments and investigations privately when there are long NHS waiting lists. Also, if you are unable to resume your own occupation Pioneer may fund college courses and vocational training.
Best Doctors (Bupa Individual Protection and Fortis). People who make claims under their critical illness or income protection policy have 24-hour access to this independent service that can locate and contact specialists worldwide who are qualified to treat the condition for which the claim has been made. There is also a 24-hour healthline.
Extra Care (LV=) is aimed at improving the living situation on critical illness and income protection claims. After the claim is complete, you have the option of receiving oncology, cardiology or neurology care, therapy, physio and counselling. Also the option of a follow-up from a personal nurse.