SNAPSHOT2 min read

6 extra life insurance benefits that could improve your health and happiness

Many life insurance policies come with extra benefits, but research shows that only 16% of people are aware of this. Learn what additional perks you could be entitled to.

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When you take out a life insurance policy, you pay for peace of mind. It is there to ensure that your family is financially protected if something happens to you, and additional cover like income protection or critical illness cover may secure your wealth if you are unable to work.

Protection policies like life insurance are unique as a service because you usually pay for them hoping that you won’t have to use them for a long time, if ever. For example, if you have a decreasing term life insurance policy to cover a mortgage and you outlive the term, your family may not make a claim at all.

As such, you may think that you and your family only get something back from your policy at the end of your life, or if you fall seriously ill. But the reality is, life insurance could help you improve your health and protect your wealth at any stage of life.

That’s because many life insurance policies often come with added extras, which you may not be taking advantage of. Indeed, Money Marketing (1) reports that only 16% of people surveyed know that their policy comes with additional benefits at no extra cost.

Using these benefits may help you improve your health and strengthen your financial plan now and in the future. Read on to learn what you could be entitled to and how to claim it so you can get the most out of your life insurance policy.

Added benefits could protect your health and your wealth now

You normally take out life insurance so that, if the worst happens, your family are looked after. That said, the added benefits that many providers offer could improve your health and quality of life, and protect your wealth in the short term.

If you check with your provider, you may be entitled to use a range of services that are automatically included in your policy.

1. Health screenings

Regular screenings can improve early diagnosis of health problems and potentially give you more treatment options. They could also detect lifestyle issues that increase your risk of serious illness in later life.

Many providers offer annual health screenings, which may allow you to take preventative measures to protect your health.

2. Private GP appointments

The Financial Times (2) reports that a 2023 survey found 1 in 5 people expected to use private healthcare in the next year, and almost half of the UK population would consider paying for private care as NHS waiting times increase.

Opting for a private GP appointment could help you avoid long wait times and get treatment sooner, but you may be reluctant to book one because of the cost. Fortunately, many life insurance providers will allow you a certain number of private GP appointments each year without any additional charge.

3. Nurse phone helplines

Often, you may not know whether you should be concerned about symptoms or not. In this situation, speaking to a trained medical professional can give you peace of mind, as well as advice on your next steps should you require care.

Life insurance providers may give you access to phone helplines – many of them open 24 hours a day – so you can seek specialist advice when you need it.

4. Mental health support

In the midst of a mental health crisis, average wait times for support are rising. According to the Royal College of Psychiatrists (3), 23% of people waited more than 12 weeks for support in 2022, and 43% of people said long wait times led to a worsening of their mental health.

Free support through your life insurance provider could get you an appointment much sooner, at no extra cost. Some providers may also offer bereavement services, which can be a valuable lifeline during a difficult time.

5. Nutrition advice

Eating well may reduce your risk of illness and improve your overall health and fitness. But many people find it difficult to establish good habits. Taking some free nutritional advice included in your life insurance policy may give you the guidance that you need.

6. Physiotherapy

Injuries and mobility issues can make it difficult to stay active and achieve all the things you want to in life. But working with a physiotherapist through your life insurance provider could help you prevent and treat these problems, so you can get back to living the lifestyle you want.

All these benefits may help you improve your health now, meaning that you could potentially reduce your chances of serious illness later in life and enjoy a longer, healthier retirement.

Additionally, you might normally pay a significant amount for these types of services, and some providers extend their offerings to family members. As a result, you can prioritise your family’s health and wellbeing without increasing your expenditure.

Check with your provider to learn about additional benefits

You may assume that you are not entitled to any added services because your provider did not advertise them when you took out the policy.

But the reason that many companies do not promote these additional benefits is that they are often not contractual, meaning they can be removed at any time. They also tend to be provided through a third party, so are subject to change.

That’s why it is important to contact your provider and check exactly what you are entitled to at the time. That way, you can take full advantage of the services you are paying for and improve your health.

You may also want to check periodically so you are aware of any changes and can ensure you are getting the most out of your policy.

Get in touch

If you need advice on choosing protection cover that is right for you and your family, we can give you guidance. Please visit our contact page or speak to your adviser.

This blog is for general information only and does not constitute advice. The information is aimed at retail clients only. Benchmark Financial Planning is not responsible for the accuracy of the information contained within linked sites.

Note that protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.


(1) Should protection industry really shout louder about value-added benefits? Money Marketing

(2) Britons turn to private healthcare as NHS crisis worsens Financial Times

(3) Hidden waits force more than three quarters of mental health patients to seek help from emergency services Royal College of Psychiatrists

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Benchmark Financial Planning is an Appointed Representative of Best Practice IFA Group Limited which is authorised and regulated by the Financial Conduct Authority, the registration number is 223112. Registered office: Broadlands Business Campus, Langhurst Wood Road, Horsham, West Sussex, RH12 4QP. Registered in England and Wales No 07572431.

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The guidance and/or advice contained within this website are subject to the UK regulatory regime and are therefore targeted at consumers based in the UK.