More than just financial support

When you’re experiencing tough times, we’ll help in any way we can - financial or practical. At AIG, we understand that you may need more than money. That’s why our insurance products include additional services as standard, giving you the extra support you’re looking for at 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.

If you or your family are faced with a diagnosis, we know that you’ll have questions. Best Doctors give clear and reliable answers, making sure you and your loved ones get the right diagnosis, treatment and care. Best Doctors can advise on everything from minor surgery to major health concerns such as cancer or heart disease. You’ll even get advice on pre-existing conditions.

We care because we want to - not because we have to, which is why our support continues once a claim is paid. If you file a claim for a critical illness, you’ll still have access to Best Doctors for three years - empowering you to manage the after-effects of treatment.

This service is not available for employee benefits policies.


Two children carving pumpkins

Winston's Wish

By taking out life insurance, you’ve already ensured that your loved ones will be protected financially should the worst happen. But we know that parents support their families in more ways than just pounds and pence. Losing a parent is one of the toughest things a child will ever go through. And financial support alone won’t help them.

That’s why we’ve partnered with Winston’s Wish – one of the UK’s leading child bereavement charities.

Winston’s Wish helps children who’ve lost a parent or sibling by listening to their grief, acting when they’re needed and knowing what to say when it’s time to talk.


Smart Health

With our Smart Health service, you’ll be getting access to industry-leading care from the experts at Teladoc Health, valued at £43 a month1. It’s available to all our customers at no additional cost and gives you 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. Your partner and any children up to the age of 21 can take advantage too.

All services can be accessed via the Smart Health website – suitable for smartphones, tablets and desktop. The Smart Health App also gives you access to the UK-registered GP on the go. To get started, open the app, create a profile, and enter your details – just make sure you’ve got your policy number to hand.

Want to know more? Head to our customer hub for all the information you’ll need.


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 for any policies other than group income protection.

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 - interactive 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.