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Many life insurance providers offer ‘perks’, but are they worth it?
From life insurance with free gifts and discounted gym membership to fitness trackers when you take out a policy, we look at how the offered 'perks' stack up
From decoding money topics to curating gift guides, Ravi’s writing helps readers save money - and pick the perfect present.
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 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.
What life insurance policy perks can you get?
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.
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. This offers services such as 24/7 digital GP access, mental health support, second medical opinions, nutrition advice and bereavement support.
How do you receive your perks? DigiCare+ can be accessed from the start of your policy by downloading the app and registering with your policy details.
- Find out more about Aviva using the service provided by LifeSearch.
HSBC life insurance perks 2026
HSBC is one of the world’s largest banking and financial services providers, and it also offers life insurance in the UK.
How much does it cost? Premiums can start from anywhere around £5 a month.
What perks are on offer? HSBC is not currently advertising a gift card or reward promotion for new life insurance customers. The bank has run limited-time gift card incentives in the past, but there is no active offer listed on its website at the time of writing.
How do you receive your perks? If HSBC introduces a new promotion, eligibility terms will be set out at the point of application. Any reward would usually depend on keeping the policy active and paying a set number of premiums.
- Find out more about HSBC using the service provided by LifeSearch.
Legal & General life insurance perks 2026
An established life insurance provider, Legal & General (or L&G) covers 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? Customers who take out a Legal & General Life Insurance or Decreasing Life Insurance policy directly through its website or by phone can currently choose a £100 Amazon.co.uk gift card or M&S e-gift card.
How do you receive your perks? You become eligible for the £100 e-gift card six months after your policy start date, provided your policy is still active and payments are up to date. Legal & General will contact you with details on how to redeem it, and you have up to 12 months from your policy start date to claim. The offer only applies if you apply directly to Legal & General and cannot be combined with cashback sites or other promotions.
Wellbeing Support is available from the start of your policy and can be accessed without making a claim. The service is available to you, your partner and any children living at home.
- 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 access to LV=Doctor services, provided by Square Health, which offer 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 at LV.com, you may also qualify for an e-gift card worth between £15 and £250, depending on your monthly premium.
How do you receive your perks? LV=Doctor services are available from the start of your policy and can be accessed via an app or by phone.
To qualify for the e-gift card, you must apply directly through LV.com and pay at least six monthly premiums in full and on time. The reward is typically sent by email after your sixth payment. Applications made through cashback sites, advisers or comparison websites are not eligible.
- Find out more about LV using the service provided by LifeSearch.
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Listen nowScottish Widows life insurance perks 2026
Scottish 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. Some plans also allow changes if your circumstances shift.
What perks are on offer? Eligible life insurance policies include RedArc Personal Nurse support, offering practical and emotional guidance from registered nurses.
Customers may also have access to a remote GP service, typically delivered through Square Health, which can include virtual GP appointments and prescription services. These services are generally available to you, your partner and dependent children.
How do you receive your perks? RedArc support can be accessed via Scottish Widows customer services. Information on registering for the remote GP service is included in your policy documents, after which appointments can be booked through an 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 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.
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.
- Find out more about Vitality using the service provided by LifeSearch.
Zurich life insurance perks 2026
Zurich Insurance Group Ltd, based in Zürich, Switzerland, is Switzerland's biggest insurer. They also provide policies directly to customers in the UK.
How much does it cost? Premiums can start at £5 a month.
What perks are on offer? Zurich is currently offering Love2shop gift vouchers worth up to £100 when you take out a qualifying life protection plan directly.
The value of the voucher is based on the total of your first six monthly premiums, rounded down to the nearest £5, with a maximum reward of £100.
The offer applies to plans that start before 1 May 2026 and must be purchased directly from Zurich using the promotional code ‘ZOFFERS’.
How do you receive your perks? After Zurich receives your sixth monthly payment, you’ll be emailed within 28 days with instructions on how to register for your voucher.
You then have 28 days to complete registration, and the Love2shop voucher is issued by email shortly afterwards. The policy must remain active for the first six months to qualify.
- 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 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.
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 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.
- Find out more: What is life insurance? The different types explained
Do I need life insurance?
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.
