Taking out protection insurance does not only provide financial security in the event you were unable to work but it can offer additional benefits too. Hatice Karadal of Alexander Hall explains what’s on offer
When looking at the value of protecting your mortgage – either through life insurance or income protection – we often think about the monetary pay out and how this will protect your family or provide a buffer in case of serious illness or long-term illness.
However, there are many more additional benefits of which you are probably not aware and these can make an enormous difference to you and your family.
Complementary additional services
When thinking of a simple life insurance, the benefits offered can vary from provider to provider, so it is important to know what are the free additional benefits included with your provider package.
- Nurse advice
Insurer Royal London gives you access to your own Nurse Adviser from RedArc who can help you with the loss of a loved one through bereavement counselling. They also provide a service to support those with cancer using specially trained oncology nurses and they can also help with recovery from heart surgery using their cardiac rehabilitation support.
- Second medical opinions
Best Doctors offered by Aviva brings the world’s leading medical expert to you and your family, giving you the peace of mind of a second opinion when you need it most.
Best Doctors isn’t just for life threatening conditions. You can use the service for anything that affects your quality of life, from headaches to heart conditions.
- Virtual GP services
Liverpool Victoria offer Remote GP and prescription services which gives you access to a large team of practising UK doctors to talk through any health issues or medical concerns without having to travel.
Legal & General have a similar offering called GP24 which allows you to book an E-consultation with a specialist doctor or even message a doctor directly without the need for a consultation.
Who can benefit from these services?
These benefits are available to you and your families for free, even if there is no need to make a death, serious illness or income claim.
My team and I are on hand to answer your questions and queries. Feel free to contact me on my mobile 07875 80 0422 or you can email me on Hatice.Karadal@alexanderhall.co.uk to discuss any of the points raised or visit www.alexanderhall.co.uk
Hatice Karadal is manager of the protection team at mortgage intermediary Alexander Hall
