Life insurance with free gift

However, the value of the gift card 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 £25 in vouchers.

The maximum £195 gift card can be achieved for policies with 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.

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.

VoucherCodes offer discount vouchers and promotional codes across a wide range of brands. From restaurants and fashion, to days out and life insurance.

You’ll need to set up a VoucherCodes account in order to claim this offer and you’ll need to purchase your Aviva life insurance online through a link provided by VoucherCodes. Any policies taken out via phone will not qualify for the free gift.

This offer is only available to be used when taking out a policy with a premium price of £30 or more a month.

Alternatively, VoucherCodes are running a separate offer where you could receive a free £120 Amazon voucher when taking out a policy with a premium price of £20 - £20.99.

Once you have taken out a qualifying policy, you’ll be sent an alert from VoucherCodes 120 business days later. You’ll then be able to claim the voucher on from your VoucherCodes account.

If you cancel your policy, you’ll no longer be eligible to claim the voucher.

This offer is only open to new customers and the standard terms and conditions of Aviva life insurance will apply.

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.

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.

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.

The amount you receive for your free gift will be based on how much you pay for your monthly premium. The higher the premium, the larger the gift amount.

If your monthly premium is £5 - £19.99 you'll receive a £50 gift card, if you pay £20 - £29.99 it's a £75 gift card. In order to get the full £100 gift card, your monthly premium has to exceed £30 a month.

As with most free gifts, you have to pay 6 months of premiums before you can claim the reward, you also have to be a new Virgin customer.

After you’ve made your 6th monthly payment, you’ll be sent an email to claim your gift. You’ll have 90 days from the date of the email to make your choice.

In the past, Virgin Money has offered their own branded rewards, such as discounts on Virgin holidays, travel, entertainment and Virgin Lounges.

However, after the restrictions on travel were imposed as a result of the COVID-19 pandemic, Virgin Money has changed its free gift incentive to the current offer.

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.