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What can life insurance do for you?


Life insurers are offering an increasing range of extras to policyholders, in a bid to boost take-up of the product. But insurers do not offer these on all their life products, and some are only available from products sold via specialist intermediaries.


One of the most unusual benefits of life insurance being offered by Legal & General is a 24 hour rescue service to help with unexpected hitch .It also offers a free online service offering personal advice on lifestyle health and fitness and a free online health check and risk assessment


LV= life insurance policy offers a free online personal advice service on lifestyle, health and fitness as well as a free online health check and risk assessment as its added benefit. It also offers discounted health services such as gym membership and screening tests/


Money can also be saved on life insurance premiums by taking these factors into account:

  • The younger you start your life insurance policy the cheaper the premium
  • Females may get cheaper premiums as on average they live longer than men
  • Non-smokers who drink very little may see cheaper premiums as a result
  • If you are overweight, you will likely pay more for life insurance


Matt Lloyd at Confused.com says, “While the extras should not distract you from choosing the right policy, it is worth making use of any benefits the insurer offers; after all you are paying for it. Life insurers are offering a range of benefits to customers such as counselling and health assessments.”

Life insurance news: 19 January 2012