Protecting physical and mental wellbeing is vital for veterans due to the unique challenges faced during military service and the transition to civilian life.
Life insurance policies are increasingly incorporating health support as part of their policy, at no extra cost. This can include a variety of benefits aimed at improving overall wellbeing and providing support services.
Veterans face unique challenges, so knowing that many insurers now include additional health and wellbeing as part of an overall life insurance policy is essential. These are tangible benefits you and your family can use every day, so you get value from your policy from day one.
What is life insurance?
Life insurance is a financial cushion that’ll take care of the people you love if you’re not around.
It’s designed to provide a financial safety net to your family, should the worst happen. Your family can use the money however they like, but often it helps to pay off the mortgage and cover rent, household bills and living costs.
Everyday health benefits of a life insurance product
Many life insurance policies include health and wellbeing benefits for you, your partner and children. These vary by insurer, but support is often offered via:
- Remote GP Consultations
- Prescription Services
- Second Opinion Services
- Physiotherapy access
- Health MOTs
- Counselling and therapy
- Mental Health resources
- Fitness & Nutrition plans
- Mindfulness & Meditation apps
- Bereavement Services
Health support offered by insurers
LifeSearch works with several insurers to secure you the best protection product. On top of providing financial protection in case of death, illness or loss of income, insurers also provide customers with a variety of health services. This is included for and your family, as part of a policy and at no extra cost to the monthly payment.
Whilst we’re fortunate to have access to a free public healthcare system in the NHS, we know this service is under strain and patients are suffering from long waiting lists for test and diagnosis, surgery and treatment. There are over six million individual patients are on an a NHS waiting list and the average time to wait is 18 weeks – that’s why fast access to health and wellbeing services through a life insurance policy is invaluable.
Access to a range of health services can help veterans adopt and maintain a healthy lifestyle, as you transition to life out of the forces.
- GP Consultations – you can make an appointment for a phone or video call with a medical professional. This could be for an ongoing issue, a regular check up or something which you know needs professional medical attention.
- Prescription Delivery Service – some insurers offer the option to have your prescription delivery to your home. Having medications delivered saves your time and effort – especially if accessibility is an issue. Delivery is hugely convenient and can alleviate the stress of collection.
- Mental Health – access to counselling and therapy can help veterans manage conditions such as PTSD, depression, and anxiety. Professionals can help sign post you to support groups, wellbeing apps and tools to help you manage mental wellbeing
- Physical wellbeing – as a veteran, you’ll know how important it is to be active. Many policies include access to fitness experts who can help devise bespoke plans to help you maintain your physical fitness. Some offer physiotherapy sessions for those recovering from injury or in rehabilitation – essential for regaining independence. Proper nutrition is vital for health, and experts can help veterans make good diet choices to support overall health goals.
A snapshot of insurer benefits:
- Aviva connects you with clinicians, nutritionists and therapists
- LV= Doctor Services gives access to expert medical advice
- Through Vitality’s fitness tracker, collect points and earn rewards
- Royal London offers 24/7 access to virtual GP consultations
- Scottish Widows provides a remote GP and prescription delivery service
- British Friendly offers fast access to GPs, clinicians, physiotherapists, counsellors, specialist consultants and an annual health check
Quick access to GP appointments and more
With increasing pressure on the NHS, longer waiting times and mental health services under strain, taking out life insurance which includes access to medical services could be your way to a speedier medical outcome.
Life insurance policies that offer added health services provide fast access to medical professionals, ensuring timely diagnosis and care. The convenience of a phone call from a doctor, providing professional care in a convenient and accessible way, is hugely valuable