Mental health and your life insurance policy: what’s available?

With mental health being more of an open conversation than ever, we wanted to break down what some of the top life insurers in the UK include in their extra support.

What is extra support?

When you take out a life insurance policy nowadays, you don’t just get cover. Some of the top life insurance providers in the UK offer free additional benefits when you take out cover with them*.

Whether you’re on the hunt for life insurance or you’ve had your policy for years, please check for your free extra benefits, so many of them include free mental health support, and so much more.

Plus, more often than not, the extra support that you can get included with your cover extends to your partner and kids, as well as yourself.

Recognised by Mind

We are proud to say that we are recognised by mental health charity, Mind.

This UK charity has over 60 years experience in working to improve the lives of those who suffer with mental health.



Whether it’s campaigning for change, providing information and support, or encouraging people to volunteer across the nation, Mind has mental health at the heart of everything they do.

What’s on offer

In recent years, the biggest names in life insurance have really stepped it up a gear with what they offer when it comes to free support services with your life insurance policy. Here is a small breakdown of what some of the best life insurance providers offer:

• AIG definitely makes sure you have plenty of choice when it comes to their free app, Smart Health. Its six core features range from 24/7 access to online GP appointments to second medical opinions. But most importantly, their mental health support includes up to four therapy sessions a year

.
  
  
• Aviva offers their Digicare+ app for all those who take out a life insurance policy with them. Although similar to AIG in the fact that they offer you the chance to speak to therapists, Aviva actually offers six video or phone psychotherapy sessions a year.
  
  
• Vitality offers two levels of mental health support. They have their core cover which is included as standard with your policy, and can give you access to up to 8 CBT or counselling sessions per plan year. They also have their mental health cover, for an additional premium, which includes; unlimited talking therapies, £1,500 worth of out-patient cover, and no annual limit for hospital stays.
  
  
• Legal and General have their wellbeing benefits available for those who take out cover with them. Their mental health support can help with anxiety, stress, bereavement, and relationships. Plus, they also offer access to a course of counselling, if appropriate.
  
  
• Royal London provides you with access to Thrive: Mental Wellbeing, when you take cover out with them. This NHS approved app can help you with your mental health by giving you personalised recommendations to help prevent, detect, and manage mental health conditions.
  
  

What we do

Our mission is simple. We’re here to help you find the right life insurance for you and your loved ones.

By choosing Busy Bee, you’re also choosing award winning customer service, support with your trust forms, and help from our claims team (fingers crossed you never have to use it). To start your free life insurance quote today, click the button below!

Don’t suffer in silence

If you’re struggling with mental health and want to talk to someone anonymously, we’ve put together a list of mental health services below where you can reach out for help if you need it.

• Mind is a mental health charity who offers information, advice and support for those suffering with their mental health, their number is 0300 123 3393


  
  
• Samaritans is a charity that aims to provide support to anyone struggling to cope and is open 24/7, 365 days a week and their contact number is 116 123


  
  
• CALM (Campaign Against Living Miserably) is open from 5pm-midnight every single day and you can call them on 0800 58 58 58 and if you don’t want to talk on the phone, you can use their web chat service
  
  
• Switchboard is a helpline for those who are LGBT+ and is open from 10am-10pm every day and their contact number is 0300 330 0630


  
  
• National Suicide Prevention Helpline UK is open 24/7 and offers help and guidance to those suffering with suicidal thoughts - 0800 689 5652



*Free additional benefits are not contractual and may be withdrawn at anytime