Confused.com has revealed that in addition to offering protection to family and loved ones should the worst happen, having a life insurance policy can help with matters in the present, from counselling to tax, moving home to health and fitness.
With only 40% of people having a life insurance policy, and 30% of those without it claiming cost is the key reason, these additional benefits may sweeten the offer, allowing customers to benefit now as well as in the future from having protection. One in five people has had counselling at some point, making this a useful service to have access to, whether support with a bereavement, illness, anxiety or stress is required.
One of the more quirky additional benefits is Legal and General's ‘smooth move', a 24 hour rescue service to help with unexpected hitches on house moving day and up to three months afterwards for domestic energy repairs.
Matthew Lloyd at Confused.com says, "Many people do not know that once you have a life insurance policy there are many added extras that can be made use of without needing to make a claim on the policy. A number of insurers offer access to counselling, while others offer help with finding employment, issues regarding tax, or moving house. We all like getting something for nothing, so these extras should be taken into account when getting life insurance quotes and deciding which policy to take out."
Care first - a round the clock service offering advice and support to the policyholder and their family
Counselling to help with:bereavement; anxiety, depression, stress; relationship breakdown; diagnosis of a critical illness; family issues; alcohol and substance abuse; life transitions; bullying and harassment
Health information - 24-hour access to healthcare professionals
Counselling helpline - 24-hour access for advise on personal and work issues
Legal and tax information helpline - 24 hour access to specialists
Legal and General
Life insurance news: 11 January 2011