Life insurance with free gift

However, the value of the gift card you receive will depend on the cost of your monthly life insurance premiums and also the specific insurer you choose.

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

The maximum £195 gift card can be achieved for policies with Beagle Street and Legal & General. 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.

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.

The gift can be redeemed after you’ve made 8 premium payments.

If you cancel your policy before you’ve paid your eighth monthly premium, you’ll no longer qualify for the free gift.

If you’ve previously taken out life insurance through Royal London, you won’t be eligible for this free gift, this offer is for new customers only.

You’ll be asked to make your gift choice selection using Royal London’s online gift portal. Instructions regarding this will be sent to you by Royal London within 9 days of your 8th premium payment being made.

If you have not provided Royal London with an email address, you can make your selection via phone.

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:

• 3 Vitality points = 7,000 steps per day
• 5 Vitality points = 10,000 steps per day
• 8 Vitality points = 12,500 steps per day

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:

Up to 2 months premiums back - 1 month’s premiums will be paid back to your bank account if you earn at least 3 Vitality points within the first 3 months of your policy.

The maximum of 2 months premiums paid back is achievable if you earn 48 Vitality points both in the second and third months.

Earn an Apple Watch - You’ll need to agree to purchase an Apple Watch Series 7 or SE on a 36 month, 0% APR customer credit agreement. You’ll also be required to pay an upfront fee for your chosen watch.

The cost will range from £27 up to £157 for an Apple Watch Series 7 or from £15 up to £95 for an Apple Watch SE (the exact cost will vary depending on the specification of your chosen watch).

By leading an active lifestyle you’ll earn Vitality points to cover the cost of your monthly payments. To pay £0 per month you must earn 160+ Vitality points per month.

The maximum amount you’ll pay each month is £9.50. 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.

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.

This offer was increased from a £70 gift card in July 2019.

What's a little different here is that you can apply for your policy either online or by phone and still be eligible for the gift.

As with most others, this offer isn’t available to cashback customers and you’ll receive your gift card 6 months after your start date, provided you’ve paid your premiums.

However, like most offers, the value of the gift card you receive will be dependent on your monthly premium.

Those with a premium price of 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 need to have made at least 6 premium payments in order to claim your gift. If you cancel your policy or stop paying your premiums you’ll no longer qualify. You also won’t qualify if you have held a policy, received a free gift and cancelled a policy before.

Once you have made 6 premium payments, 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 the letter or email to claim your gift.

Life insurance through the Co-op is actually provided by Royal London (who currently aren’t offering their own free gift).

Your policy must be active and premiums must have been paid for a minimum of 4 months to be eligible to claim this gift.

You’ll be sent a ‘how to claim’ email 15 days after this 4 month period. This will include information about the offer as well as how to choose your chosen gift.

You’ll have 30 days from the date of the email to choose your gift.

You must purchase a life insurance policy directly through the Co-op to claim this offer, policies bought via comparison websites or via cashback websites won’t qualify.

This offer is only open to new customers of the Co-op. If you have previously held another life insurance policy with the Co-op, you won’t qualify for this offer.

Once the referred friend has made 3 premium payments and this has been confirmed, we'll send you a claim form, to be returned to us at the voucher due date.

The vouchers will then be sent to you within 3-5 working days.

And the best bit? This offer is unlimited so you can recommend as many friends as you like to claim the £30 vouchers each time.

The cost of cover can vary significantly between providers, making it essential to compare quotes to secure the best deal.

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

Therefore, to compare quotes and arrange the best solution for you, contact our award-winning team.

And the best part...we don't charge you a fee to use our broker service.