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With a slew of insurers currently giving away gift cards if you take out a policy, alongside the standard offers of discounted gym membership, free cinema tickets and private GPs, life insurance providers promise plenty of perks.
Much like banks offering incentives for you to switch your current account, firms offering life insurance also try to set themselves apart with offers that might give them the edge over their competitors.
While it's not the best idea to make a decision on 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, Which? takes a look at the perks on offer from some of the main life insurance providers to see how they compare, as well as explaining the other factors to take into account if you're considering taking out a policy. See how the best life insurance compares.
Choose life insurance, health insurance, income protection and/or critical illness cover via LifeSearch and get a £50 John Lewis gift card.
Get a quotePolicy must be active for 90 days before gift card is issued. T&Cs apply.
While your life insurance agreement is in place to help support your family once you've gone, perks such as gift cards, health insurance, access to a GP 24/7, cinema tickets or coffee mean you can benefit from it, too.
We took a look at some of the biggest UK life insurance providers to see what incentives are on offer, and how you receive them.
Vitality offers life insurance policies to anyone aged 18-55, but a lot of its marketing and perks are aimed at people in their 20s and 30s.
How much does it cost? Prices start at £5 a month. You can get a monthly rolling policy to help keep costs down, which allows you to take a break if your financial situation gets a little tight.
What perks are on offer? There's a fairly extensive rewards scheme, where you can take out a plan, use a smartwatch or fitness tracker to monitor your activity, and earn points. These points can then be turned into rewards such as discounted gym membership, spa breaks, coffee vouchers, Itsu meals or discounts with Merlin Entertainments.
The healthier you are, the lower your premium – you can earn up to 30% off your premiums if you’re active and lead a healthy lifestyle.
It also offers the Apple Watch Series 10 from £39 upfront, and by staying active you can earn 160 activity points per month (equivalent to 12,500 steps, five times a week), which will reduce your Apple Watch payments to zero. If you don't reach 160 points, Vitality offers a contribution towards your Apple Watch based on your level of activity. If you're not active, however, you may end up paying the full price.
How do you receive your perks? Once you’ve bought your policy, you need to register with the Vitality Member Zone and complete a health review and questionnaire. When you link up your fitness tracker and get active, you’ll then be able to view your rewards and points in the Member Zone at any time.
An established life insurance provider, Legal & General (or L&G provider) covers policies for anyone aged 20-70.
How much does it cost? Fixed monthly premiums start at £5, and you can get an online quote in just two minutes.
What perks are on offer? A £100 gift card for Amazon or M&S is available when you take out a policy, and a Wellbeing Support service provided by RedArc.
How do you receive your perks? You will be eligible for your e-gift card six months after your policy start date, sent to you via email - as long as your policy is still active, your payments are up to date, and no claims have been made. Note that you have twelve months from your policy start date to claim your e-Gift card, or you will not be eligible for this offer.
Wellbeing Support starts from the first day of your policy. It provides support from a dedicated nurse and can include information and advice, as well as clinic assessments.
You, your partner and your live-in children can access the service, and you don’t need to make a claim in order to use it.
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Listen nowScottish Widows has more than 200 years experience providing life insurance policies.
How much does it cost? No upfront cost is provided, but Scottish Widows does have a calculator you can use to estimate what your premiums may be. There’s also a flexible plan option, where you can make changes if your circumstances change.
What perks are on offer? Policies come with RedArc wellbeing services, and Clinic in a Pocket remote GP and prescription delivery services, which can be used by you, your partner and your children.
How do you receive your perks? RedArc is accessible by calling the Scottish Widows customer support team, which will refer to you to the right department at RedArc.
Your welcome pack includes all the information you need to access the Clinic in a Pocket service. Once you’ve registered, you’ll be able to receive all the help you need through the app that’s available on all Android and Apple devices.
LV is a well-established life insurance provider, offering services to any UK resident aged 17-84.
How much does it cost? Prices start at £5 a month.
What perks are on offer? Access to LV=Doctor services, and terminal illness cover included at no extra cost.
You could also receive up to £250 in eGift vouchers when you take out a policy on LV.com and pay at least six monthly premiums. The voucher amount depends on your premium and can be redeemed with over 100 top brands.
The LV=Doctor health app is provided by Square Health, where you have access to six different services: remote access to more than 5,000 UK medical professionals, a second medical opinion, prescriptions, physiotherapy, support with mental health concerns and access to a health MOT.
How do you receive your perks? LV=Doctor services starts from the beginning of your policy and is accessible via an app or over the phone.
To qualify for the eGift voucher, you must maintain your policy and pay six monthly premiums in full and on time. Eligible customers will receive an email within 28 days of their sixth premium payment with instructions on how to claim the voucher.
Your critical illness cover forms part of your life insurance policy and starts when your policy does.
With 18 million customers in the UK, Ireland, and Canada, Aviva is the largest general insurer in the UK.
How much does it cost? Premiums can start from £5 a month.
What perks are on offer? Aviva DigiCare+ is included at no extra cost with a new life insurance policy or an over-50s life insurance plan. You gain access to health and wellbeing services via the smartphone app, offering features such as annual health checks, nutrition support, mental health assistance, second medical opinions, a Bupa Anytime HealthLine, and bereavement support.
The app is provided by Square Health and allows you to gain access to qualified clinicians, nutritionists, and therapists.
As an added perk, customers who apply for a life insurance policy by 4 July 2025 and pay six consecutive monthly premiums can claim a £120 gift card. Options include Amazon.co.uk, Tesco, or M&S e-gift cards.
How do you receive your perks? You can start using the app and its services as soon as your policy begins. Download the Aviva DigiCare+ app from the App Store or Google Play, and sign up with your policy number.
To qualify for the gift card, your policy must remain active with six monthly premiums paid in full. Once eligible, you’ll receive an email with instructions to claim your e-gift card within 28 working days.
HSBC is one of the world's biggest banking and financial services providers, serving about 39 million customers worldwide. Besides banking, HSBC also provides insurance, including life insurance.
How much does it cost? Premiums can start from anywhere around £5 a month.
What perks are on offer? HSBC is currently running a gift card promotion for customers who take out a new life insurance policy before 30 May 2025.
Eligible customers can choose between a Marks & Spencer gift card or an Amazon.co.uk gift card, with the value determined by the premium amount:
HSBC Premier customers can receive a £150 gift card with a minimum premium of £5. The offer is limited to one gift card per policy, and only policies purchased directly through the HSBC UK website or mobile app are eligible.
How do you receive your perks? After paying six consecutive monthly premiums, HSBC will notify eligible customers by email within 30 days. You will then have 60 days to select your gift card using the provided link. If you do not respond within this timeframe, the offer will expire, and you will no longer be eligible to claim the gift card.
Zurich Insurance Group Ltd, based in Zürich, Switzerland, is Switzerland's biggest insurer. As of 2021, it's the 112th largest public company globally, according to Forbes' Global 2000s list.
How much does it cost? Premiums can start at £5 a month.
What perks are on offer? Zurich is giving away gift vouchers worth up to £100 to individuals taking out life insurance or income protection plans. You can choose from Amazon, John Lewis & Partners, or Love2shop.
How do you receive your perks? Take out life insurance on their website using promo code 'ZOFFERS100', or you can do it over the phone. The value of your voucher is tied to your monthly premium for the first six months, with a maximum of £100 in voucher value.
After your sixth monthly payment, you'll get an email guiding you on how to register and pick your preferred voucher brand. The voucher code should hit your inbox within 14 days of registration. This offer is only valid for plans starting before 1 May 2026, and certain terms and conditions apply.
While these perks may seem attractive, you'll need to weigh up how much value you'll get from them with 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. If you're not sure what suits your circumstances, it might be worth talking to a financial advisor before taking out any policy.
Find the best life insurance deals using the service provided by LifeSearch.
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 in order 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 of time. For example, some people may choose to take out a type of term insurance in order to support their family to pay off a large debt, such as a mortgage, if they die.
Everyone’s circumstances are unique – and some people will not need life insurance. But if you have parents, partners or children that 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.
