More than financial support

At AIG, we work with people experiencing some of the toughest times they’ll ever go through. Illness or the loss of a loved one is never easy, but we help in any way we can. Our life insurance products include additional services as standard - extra support for no extra cost.

Best Doctors - Vicky Churcher's story

Vicky Churcher, our Intermediary Sales Director, shares her story of how Best Doctors detected her family’s genetic heart disorder. The service is available as part of Smart Health - a convenient option to connect you to the tools to manage your own health and wellbeing, available with all AIG policies.

Best Doctors – Vicky Churcher’s Story

My name is Vicky Churcher. I’m an intermediary director at AIG Life. I’m a mum of three and a heart attack survivor.

I got on the train, like I normally do and I suddenly became very hot and sweaty. The minute the doors shut, I collapsed. I didn’t know what was happening to me, I couldn’t move. I was looking at photos on my phone of the kids, of my husband and I knew I had to stay awake.

I was rushed to Stevenage hospital and a nurse was telling me that I was actually having a heart attack

Vicky’s Daughter 1:
Mum is one of the strongest people I’ve ever met and before that point there was never anything that showed she had a heart condition or even a health problem.

I had an angiogram, three out of four of my arteries were pretty much fully blocked and I’d been living off one artery, probably for some time, and I had to have an emergency triple heart bypass.

Vicky’s Son:
It was really weird not to have mum in the home, normally I’d come home and she’d be there.

Vicky’s Daughter 1:
She made it through the bypass surgery ok, she came home, recovered.

I knew I’d had a heart attack but I wanted to know why I’d had the heart attack. I thought OK, I’ve been talking about Best Doctors for a number of years, time to put them to the test.

They far exceeded my expectations. It was discovered that I had something called ‘Elevated Lipoprotein (a)’ and it’s genetic. I got a call from a doctor in Cleveland, Ohio, and her main concern was do my children have it and will it happen again.

Vicky’s Daughter 1:
We went for blood tests and they explained that we had inherited raised Lipoprotein (a).

Vicky’s Daughter 2:
Obviously it’s not great to hear but it was kind of reassuring that they found it so soon.

It’s too late for me. My arteries are already ruined and my heart failure is still already there, but it’s not too late for the girls. The damage hasn’t been done yet.

Vicky’s Daughter 1:
Definitely a better outlook on life, now that I know and I definitely want to appreciate every moment more.

I have nothing but a huge amount of praise for Best Doctors. They’re the ones that came up with the fact that it’s a genetic disorder and I need to look out for the children, and they’re the ones that told me what to do next. Best Doctors is an invaluable service and certainly one that I would recommend to absolutely everybody.

Two doctors walking up stairs

Best Doctors®

We provide access to Best Doctors - a service that provides invaluable second medical opinions.

We know people have questions after a diagnosis. Best Doctors gives clear and reliable answers, making sure AIG policyholders and their family get the right diagnosis, treatment and care. Best Doctors can advise on everything from minor surgery to major health concerns, like cancer and heart disease. The service can even look at pre-existing conditions too.

Our support doesn’t suddenly end once a claim is paid. If a customer claims for critical illness, we continue to give access to Best Doctors for three years - empowering our policyholders to manage the after-effects of treatment.

Best Doctors is available to your clients through our Smart Health service. Find out more on our Smart Health hub.


Two children painting with their hands

Winston's Wish

Life insurance is there to make sure your clients’ families are financially secure should the worst happen. But what about the emotional impact their death could have? Especially when it comes to children. That’s where Winston’s Wish comes in.

Winston’s Wish offers a wide range of practical assistance and guidance in the UK, including online resources, publications, a national telephone helpline, professional face-to-face support and group work.

Anyone who makes a life or terminal illness claim can use this service – it doesn’t matter how old or new the policy is.


Man holding avocado halves up to his eyes

Smart Health

Valued at £43 a month, Smart Health is powered by the experts at Teladoc Health, who provide industry-leading care in over 175 countries worldwide. It gives all AIG customers unlimited, 24/7 access to an online or phone-based GP service, mental health support, a health check, tailored fitness and nutrition plans and expert second medical opinions from Best Doctors® – all at no additional cost. Partners and any children up to the age of 21 can take advantage too.

All services can be accessed via the website – suitable for smartphones, tablets and desktop. The Smart Health App grants access to the UK-registered GP on the go. To get started, your clients need to open the app, create a profile, and enter their details (including their policy number).


Smart Health is provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.

Winston's Wish is a national charity that is accessible to anyone regardless of your insurance policy. The service is available even if your policy ends.

RedArc support service

We believe in giving more than just financial assistance. That’s why our critical illness claimants and their families are offered RedArc’s critical illness service.

With RedArc, each claimant has a dedicated personal nurse adviser who can help them for as long as they need, providing expert advice and long-term emotional support.

This service is not available for any policies other than group critical illness.


Employee Assistance Programme

We’ve partnered with LifeWorks to provide a complete wellbeing solution to Group Income Protection clients and their employees. It brings together a best-in-class user experience and clinical support to achieve complete mental, physical, social and financial wellbeing, through their worldwide network of over 80,000 dedicated support professionals.

This service is not available to individual protection customers.

Discover more

Best Doctors - Guide

Find out how Best Doctors gives your clients access to an invaluable second medical opinion service.

Download Updated 31 Jul 18
Winston's Wish guide

Read our guide to learn more about the support on offer from Winston’s Wish and how their experts help children and young people face the future with hope and lead full and flourishing lives.

Suicide prevention training directory

This guide from Action for Suicide Prevention in Insurance (ASPiiN) helps you be prepared, have the confidence to deal with suicide prevention awareness and deal with the situation as professionally as possible.

READ MORE Updated 21 Aug 20
Talking about suicide on your website

There are many reasons why you might need to mention suicide on your website or in other materials. Action for Suicide Prevention in Insurance (ASPiiN) have prepared this guidance with support from the Samaritans with some key things you should bear in mind.

READ MORE Updated 21 Aug 20
Smart Health adviser sales aid

Download and find out how Smart Health can help your clients keep control of their future. This document will describe the six core services and help support and inform your protection conversations.

DOWNLOAD Updated 26 Jan 21
LifeWorks EAP - overview

LifeWorks brings together a best-in-class user experience and clinical support to achieve complete mental, physical, social and financial wellbeing.

DOWNLOAD Updated 22 Feb 22