Life insurance
with free gift

As with most free gift offers, the value of the gift card you receive will be dependent on how much you pay for your monthly premium.

For example: if your monthly premium is between £5 and £10 a month you'll receive a £35 voucher; if you pay between £10.01 and £20 a month you'll receive a £60 voucher...to receive the full £180 gift card you'll need to be paying over £30 a month.

You’ll need to have paid 6 monthly premium payments in order to be eligible to claim this free gift offer.

Once 6 monthly payments have been made, you will be contacted by post or email with details on how to claim your gift card. You’ll then have a further 6 months to claim your free gift.

You may not be aware that Direct Line life insurance is now provided by AIG life UK, having previously been provided by Legal & General.

As a result, if you've previously cancelled an AIG life policy, you'll not qualify for this Direct Line offer.

Policies must be taken out directly through Smart Insurance.

You'll receive your gift card once you have paid 6 monthly premiums and the total amount of premiums paid exceeds the gift card amount (£125).

Once you are eligible for the free gift, you’ll be contacted via post or email with an invitation for you to choose which gift card you’d like.

As with all free gift offers you have to wait a period of time before being eligible. With Zurich, the vouchers will be issued after you've paid your 6th consecutive monthly premium.

The value of the voucher received is calculated from the combined value of your 1st 6 months' premiums, rounded down to the nearest £5 and capped at a maximum amount (in this case, £100).

For example: if you pay £5 a month you'll receive a £30 voucher; if you pay £10 you'll get a £60 voucher and so on...until the maximum of £17+ per month in order to get the full £100 worth of gift vouchers.

To qualify for most free gifts through Vitality, you must download their app and log your activity to earn Vitality points.

To put this into perspective:

• 40 Vitality points = 10,000 steps per day twice a week
• 80 Vitality points = 10,000 steps per day four times a week
• 120 Vitality points = 12,500 steps per day four times a week
• 160 Vitality points = 12,500 steps per day five times a week

You can also earn points for workouts, but these must be tracked with a compatible fitness tracker with a heart-rate monitor.

Vitality currently offer a range of ‘free gifts’ or incentives, including:

Earn an Apple Watch - Purchase an Apple Watch Series 9 or SE from £39 upfront and you could pay nothing more by earning Vitality points. You’ll need to agree to a 36 month, 0% APR customer credit agreement with Vitality’s chosen lender.

The value of the upfront fee you pay will vary depending on the specification of your chosen watch. This offer is available when you secure a life insurance policy with a premium of at least £45. If you don’t stay active, you’ll pay £10 per month (depending on your choice of Apple Watch).

This offer isn’t limited to new Vitality customers, if you’re an existing customer you can log on to your member zone to find out if you qualify for this offer.

Up to 40% off your life insurance premiums in the first year - By adding the Optimiser to your life insurance policy, at no extra cost, you can get up to 40% off your premiums. You’ll need to track your activity and healthy habits using the Optimiser to earn points and increase your Vitality status. The higher your status, the lower your premiums.

Vitality discounts - As a Vitality member, you’ll have a range of discounts available to you. This includes up to 40% off Garmin devices and up to 50% off a Virgin Active gym membership.

You’ll also have access to discounts on many other household names such as Amazon Prime, Champney’s, Café Nero, Peloton, Fitbit and many more.

When applying for life insurance online with NatWest, you’ll be taken to the AIG website where you can enquire for quotes. Throughout the application you’ll deal with AIG directly - not NatWest.

The price of the voucher you’re entitled to will depend on how much your monthly premium is.

Those with a premium price up to £11.99 will be eligible for a £50 voucher. You must be paying a premium of £12 and over to receive the full £100 voucher.

You’ll be eligible to claim your gift once 6 monthly payments have been made. After 6 months, you’ll be contacted by letter or email with details on how to redeem your gift card.

You’ll have 6 months from the date of this correspondence to claim your gift card.

You won’t qualify for this offer if you’ve previously received a free gift but the policy was cancelled.

Hopefully this guide has helped to highlight the best life insurance deals with a free gift.

Ultimately, securing the right cover to meet your needs should be the main consideration when arranging life insurance, as opposed to the free gift.

Comparing quotes can help you to find the right cover to meet your needs, at our best available price, so why not contact a friendly member of our team?

Please be aware that to benefit from the free gift offers mentioned within this guide, you’ll need to buy a policy directly from the insurer.

Policies bought elsewhere, such as through Reassured, won’t qualify.