Life insurance with free gift

However, the value of the gift card will depend on the cost of your monthly premiums, but also on the specific insurer.

For example; if your monthly premium is £0 - £10 with Zurich you'll receive a £35 gift card, with Legal & General and Beagle Street you’ll get a £30 gift card and with all other brands £25 in vouchers.

The maximum £200 gift card can be achieved for policies with Legal & General and Beagle Street and your monthly premium must be £50.01 a month or above.

Unlike most other offers, you're eligible for this offer after paying just 3 months of premiums and you'll be contacted within 45 days of your 3rd payment.

Again, as with most insurers, the value of the gift card is dependent on the cost of your premiums and will be issued after you've paid your premiums for 6 months.

For example; if you pay between £4 - £10 a month you get a £35 gift card; if you pay between £10.01 and £20 per month you receive a £60 gift card and so on until the maximum of £180 if you pay over £30 a month.

Churchill life insurance is now provided through AIG, (having previously worked with Legal & General).

Therefore, if you've previously cancelled an AIG policy, you'll not qualify for the free gift.

Your premium must also be over £14 a month, which for many of us is a realistic cost.

Once your policy has been live for 6 months, you’ll receive an email within 30 days from this date to claim the gift.

A link to claim the offer will be sent via your preferred method of delivery, (either via email or text message).

You have 90 days from the date of the email/text message to make your claim.

Unfortunately, it isn't that easy to claim Vitality's enticing free rewards and savings, (which can be a little confusing)...

To be eligible you'd need to be on a VitalityLife insurance plan with either the Wellness Optimiser or the Vitality Optimiser, which come at an additional £4.50 a month.

What's more, your monthly premium for a single policy would have to be £45 or more, which is more cover than the majority of us require.

If your monthly premium is £45 for a single plan or £60 for a joint plan, then you’ll have access to Vitality Lite rewards for an additional monthly fee of £1.75 per person.

Reward partners include; Champneys, Runners Need, WW and Garmin.

If your monthly premium is £45 or above for a single plan, then you’ll have access to Vitality Plus rewards for an additional monthly fee of £4.50 per person.

Reward partners include; Vue/Cineworld, Virgin Active and Amazon Prime.

If your monthly premium is £60 or over (single and joint plans), then you’ll have access to the full range of Vitality Plus rewards for an additional monthly fee of £4.50 per person.

Reward partners include; Vitality American Express® Credit Card.

Vitality also offer their customers the opportunity to receive 40% off monthly gym memberships with Virgin Active or Nuffield Health.

Again, you must have a VitalityLife plan with Vitality Optimiser or Wellness Optimiser for an additional monthly fee.

You'll start earning double Nectar points from your policy start date, (as long as you've provided your Nectar card number).

Plus you’ll get a one-off bonus of up to £90 Nectar points, although the number of points you earn will depend on your policy type and the cost of your premium.

With their decreasing and level term life insurance, if your premium is lower than £8.50 you'll only receive 10,000 Nectar points, which is worth £50. If your premium is over £20 you can get 18,000 Nectar points, worth £90.

Lastly, you'll need to have paid 5 months' worth of premiums before being entitled to this free offer.

Interestingly, Co-op life insurance is provided, underwritten and administered by Royal London - who don't currently offer a free welcome gift.

A nice perk with Co-op is that you only have to wait 4 months (not 6) before being able to claim your gift.