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Many life insurance providers offer ‘perks’, but are they worth it?
From £400 gift cards and free coffees to remote GP access and gym discounts, we reveal what life insurers are offering and how to claim the perks
From decoding personal finance and insurance to curating gift guides, Ravi’s writing helps readers save money - and pick the perfect present.
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Get a quoteApple watches, cinema tickets and gift cards worth up to £400 might tempt you to take out life insurance – but are these perks really worth it?
Much like banks offering incentives to switch your current account, life insurers are using freebies and rewards to win over new customers.
While we wouldn't recommend choosing a life insurance policy based solely on the perks it offers, it's still worth knowing what's out there when weighing up which provider suits you best.
Here, we look at the perks offered by some of the main life insurance providers to see how they compare, and explain the other factors to consider if you're thinking about taking out a policy. See our guide to the best life insurance.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's terms and conditions before committing to any financial products.
What life insurance policy perks can you get?
Life insurance is designed to provide financial support for your loved ones after you die. But some policies also include benefits you can enjoy while you're alive – from gift cards and cinema tickets to health support and round-the-clock GP appointments.
Here's what each major provider offers and how to get the most from the perks.
Aviva life insurance perks 2026
Aviva is a well-established insurer with millions of customers in the UK, Ireland and Canada, and a long history in protection products.
How much does it cost? Premiums can start from £5 a month.
What perks are on offer? Eligible life insurance policies include access to Aviva DigiCare+, a health and wellbeing app provided by Square Health. Through the app, you can access a digital GP day and night, as well as mental health support, second medical opinions, nutrition advice and bereavement support.
DigiCare+ is a non-contractual benefit, which means Aviva can change or withdraw it, and charges may apply for some services.
How do you claim them? You can use DigiCare+ from the start of your policy. Simply download the app and register with your policy details.
- Find out more about Aviva using the service provided by LifeSearch
Legal & General life insurance perks 2026
Legal & General (or L&G) has policies for adults typically aged 18 to 77, depending on the type of cover and term selected.
How much does it cost? Fixed monthly premiums start at £5.
What perks are on offer? Buy a qualifying Legal & General life insurance or decreasing life insurance policy directly through its website or by phone, and you can currently choose a £100 Amazon gift card or M&S e-gift card.
There's no stated end date for the offer, but Legal & General can change or withdraw it at any time.
You also get access to Wellbeing Support from the start of the policy. Run in partnership with RedArc, this service offers practical and emotional support to you, your partner and children living at home. You don't need to make a claim to use it.
How do you claim them? You'll qualify for the £100 e-gift card six months after the policy start date, as long as it's still active and your payments are up to date. Legal & General will send details explaining how to redeem the gift card, but don't leave it too long – you have 12 months from the policy start date to claim it.
The offer is only available when you buy directly from Legal & General, so you can't combine it with cashback sites or other promotions.
- Find out more about Legal & General using the service provided by LifeSearch
LV life insurance perks 2026
LV is a well-established life insurance provider, offering cover to UK residents aged 17 to 84, depending on the policy type.
How much does it cost? Prices start at £5 a month.
What perks are on offer? Eligible policies include free access to LV Doctor Services, run by Square Health. These include remote GP appointments, second medical opinions, physiotherapy, mental health support and a health MOT. Terminal illness cover is also included at no extra cost on standard life insurance policies.
If you apply online directly through LV's website, you could also qualify for an e-gift card worth up to £400, depending on how much you pay each month. The offer currently has no stated end date.
How do you claim them? Eligible policyholders can access LV Doctor Services through an app or by phone.
To get an e-gift card, you'll need to buy your policy through LV.com and make at least six monthly premium payments. The value of your gift card depends on your monthly premium, and terms and conditions apply.
- Find out more about LV using the service provided by LifeSearch
Scottish Widows life insurance perks 2026
Scottish Widows has more than 200 years' experience providing life insurance policies.
How much does it cost? Scottish Widows has an online calculator you can use to get a personalised quote.
What perks are on offer? Buy a new life insurance or critical illness policy directly from Scottish Widows, and you can currently get 12 months of Disney+ Standard with Ads at no extra cost. There's no stated end date, although Scottish Widows can change or withdraw the offer at any time.
Scottish Widows Protect policies also include Scottish Widows Care at no extra cost. Through RedArc personal nurses, you can get practical and emotional support for issues including long-term illness, bereavement, trauma, disability and recovery after a hospital stay. You don't need to make a claim to access it.
You'll also get access to Clinic in a Pocket, a remote GP and prescription service run by Square Health. It offers unlimited virtual GP consultations around the clock and free repeat-prescription delivery in the UK. The service is available to you, your partner and your children at no extra cost, although Scottish Widows can change, replace or withdraw it at any time.
How do you claim them? The Disney+ subscription becomes available once you've paid your first monthly premium. Scottish Widows will send an activation link within 30 days.
Watch out for the automatic renewal: you'll need to enter payment details when activating Disney+, and your subscription will become a paid one after the free 12 months unless you cancel it. You only get one activation link per customer.
To use Scottish Widows Care, contact the insurer and ask for a RedArc referral. You'll find registration details for Clinic in a Pocket in your welcome pack, and you can access it through the Square Health app on Apple or Android devices.
- Find out more about Scottish Widows using the service provided by LifeSearch
Vitality life insurance perks 2026
Vitality offers life insurance policies to people aged 16 to 74.
How much does it cost? Prices start at £5 a month.
What perks are on offer? Vitality rewards you for staying active. Link a smartwatch or fitness tracker to earn points through exercise, and you can unlock a range of discounts and freebies. These include discounted gym memberships, spa breaks, Caffè Nero drinks, Itsu offers, up to 25% cashback on selected healthy food at Waitrose and discounts at Merlin attractions.
One of the biggest draws is the Apple Watch offer. If you have a qualifying life insurance plan, you can get an Apple Watch Series 11 for as little as £9 upfront. But it isn't necessarily free – ongoing monthly payments range from £0 to £10, depending on how active you are. The watch comes through a 40-month, 0% APR credit agreement, so you'll need to pass a credit check and meet minimum premium requirements and other terms.
Vitality also offers premium discounts through its optional Optimiser benefit. You could get up to 30% off term life insurance premiums or 40% off whole-of-life premiums upfront. However, you'll need to stay active to help keep your premiums lower. If you don't reach the required Vitality status, your premiums could rise, and an additional fee may apply.
How do you claim them? Download the Vitality UK app, register and connect a compatible activity tracker. You'll earn points for qualifying activities, which count towards your Vitality status and help unlock rewards. The rewards you can claim and the activity targets you'll need to meet depend on your policy and reward level.
- Find out more about Vitality using the service provided by LifeSearch
Zurich life insurance perks 2026
Zurich Insurance Group Ltd is a major Swiss insurer that provides life insurance directly to customers in the UK.
How much does it cost? Premiums can start at £5 a month.
What perks are on offer? Take out a qualifying Zurich life insurance policy, and you can currently receive up to £100 in Amazon, John Lewis & Partners or Love2shop gift vouchers.
The voucher's value equals the total of your first six monthly payments, rounded down to the nearest £5, up to a maximum of £100. For example, a monthly premium of £5 would mean a £30 voucher, while a premium of £17 or more would get you the full £100.
To qualify, you'll need to buy your policy online directly from Zurich using the code ZOFFERS100, or over the phone through the specified Zurich or LifeSearch numbers. The offer currently has no stated end date.
Zurich life insurance policies also include access to Zurich Support Services, which provides services including mental health counselling, support following loss and will-writing. These are non-contractual benefits, which means Zurich can withdraw them at any time.
How do you claim them? Once Zurich has received your sixth monthly payment, it will email you instructions for choosing your voucher.
You should receive this email within 40 days of your sixth payment, and you'll then have 28 days to register. Once you've registered, your digital voucher should arrive by email within 14 days.
- Find out more about Zurich using the service provided by LifeSearch
Are the perks worth it?
While these perks may seem attractive, you'll need to weigh the value you'll get against the cost of your premium, based on your age, health and occupation.
It’s important to shop around and find the best policy for you, regardless of the perks that come with it. Speak to an independent financial adviser if you're unsure which policy fits your needs.
Find the best life insurance deals using the service provided by LifeSearch.
What is life insurance?
A life insurance policy is a financial product that pays out if the insured person dies while the policy is in place.
Often, you'll pay a monthly fee to maintain the policy, the price of which will vary depending on your age, lifestyle and health factors.
There are two main types – whole-of-life insurance and term insurance.
Whole-of-life insurance will pay out when you die, no matter what your age. One of the biggest selling points for this kind of cover is that families can use it to cover any inheritance tax bills.
Term life insurance provides a cash lump sum for your family if you die within a set period. For example, some people may choose to take out a type of term insurance to support their family to pay off a large debt, such as a mortgage, if they die.
- Find out more: What is life insurance? The different types explained
Do I need life insurance?
Not everyone needs life insurance. But if you have parents, partners or children who rely on your income, taking out a policy will ensure they’re supported after you die.
An easy way to think about it is: if your income were to disappear, how would the people around you look after themselves? If you have young children and a mortgage to pay, a term life insurance policy might be useful. If you have older children, or have paid off your mortgage, whole-of-life insurance could be a better fit.
There are many different types of life insurance available, and it’s important to make sure you find the right policy for you and your family. Find out more about over-50s life insurance and whether you need life insurance for a mortgage.
