Life Insurance With Free Gift

If you’re looking to purchase life insurance, you’ll already have seen a huge variety of providers to choose from, some even with similar products at similar price points.

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If you’re looking to purchase life insurance, you’ll already have seen a huge variety of providers to choose from, some even with similar products at similar price points.

In order to distinguish themselves from the competition, many insurance companies offer a variety of gifts to attract new customers. In this article we’ll look at the type of free gifts available to life insurance customers in 2020, and the conditions under which they’ll need to qualify. The most common type of gift offered is in the form of a gift card for a number of international and nationwide retailers.

Of course whilst free gifts are enticing, they should not form the primary basis on which you choose your life insurance provider/product. Life insurance is an important and costly commitment in the first place, and it is imperative that first and foremost, the policy terms and coverage amounts meet your needs.

The free gifts are certainly a “nice to have”, but one’s attention should primarily be centred on the policy’s key conditions, and monthly premiums. If you find policies similar across the board however, perhaps a free gift will sway your mind one way or the other.


Double your nectar points and add up to ninety pounds of value to your nectar card. Sainsbury’s is not just your local supermarket. When it comes to life insurance, it can also help provide the right cover, looking after your dependents when they need it most. If you are a nectar card holder and a regular Sainsbury’s shopper, then the gift offered with their life insurance product could be for you. Sainsbury’s life insurance has two elements to their gift offering: as well as giving you double Nectar card points, Sainsbury’s will also add up to ninety pounds worth of points to your Nectar card.

Your Nectar points will be worth twice as much as before from the date your policy starts.

After five months of paid premium, policyholders will receive a one-off bonus of up to ninety pounds of Nectar points. The number of points earned will relate to the cost of your premium and policy purchased. So:

If your monthly premium is under £8.50, you will receive Fifty Pounds worth of Nectar points (10,000)

If your monthly premium is £8.50 – £20, you will receive Seventy Pounds worth of Nectar points (14,000)

If your monthly premium is over £20, you will receive Ninety Pounds worth of Nectar points (18,000)

The important bits: double points begin from your policy start date, and you'll receive your points within 60 days after you have paid 5 months' premiums. Points will be awarded for no more than 2 policies per household in any 12 month period and Sainsbury’s must be told of your Nectar card number upon application.

The Post Office

Earn an Amazon, Argos, or Marks and Spencer Gift Card of Fifty Pounds. The Post Office does more than send your mail, it also has a host of financial services available including life insurance, and at competitive prices too. When you purchase a life insurance policy with the Post Office, you also qualify for a fifty pound gift card. This gift voucher, whilst less than other insurance companies’ incentives, is however redeemable at more vendors. There are three retailers the gift card is applicable to: Marks and Spencer, Argos, and Amazon.

In order to qualify for this free gift, the policyholder must have paid a minimum of six months premium (consecutively). After holding said policy for six months, the gift voucher will be sent out within the following 28 days. Many free gifts are restricted to one per household. However, this offer (whilst being one gift voucher per policy) is two gift cards per household. There is also more flexibility in accessing this offer. Many of the offers here are from purchasing online only. The Post Office allows you to obtain this offer not just online, but also over the phone and in branches across the UK.

The important bits: only one gift voucher per policy, two per household, with a six month qualifying period.


We compare plans from the leading life insurance providers

Various savings and discounts with Vitality’s reward partners. Vitality places an emphasis on being “positively different”, and the insurance policies they offer encourage their policyholders to maintain a healthy lifestyle. In the same vein, Vitality life insurance doesn’t offer new customers an upfront gift in the same way as other providers. Rather than a straightforward gift card or voucher, Vitality has established partnerships that offer their policyholders a way of attaining and sustaining that healthy lifestyle more easily.

It is important to note that these rewards and benefits are only available with certain Vitality plans and products, and not at every level of life insurance policy.

To be eligible for the best range of rewards, one must:

  1. Be a Vitality Life insurance policyholder with either the Wellness Optimiser or the Vitality Optimiser (these cost an extra £4.50 a month)
  2. If purchasing a single plan, the monthly premium must be £45 or more; if a joint plan, £60.
  3. Once the above are fulfilled, access is then given to Vitality’s Reward Partners
Life Insurance Life Insurance with Vitality Optimiser
Monthly Eligible Premium to Pay £8 £45 (single)

£60 (joint)

plus £4.50 fee

The opportunity to earn cashback No Yes
Health partner discounts and rewards like:

– 50% off running shoes at Runners Need

Yes Yes
Extra range of discounts and rewards like:

– 50% off Virgin Active monthly gym membership (a joining fee will apply)

– Cinema tickets for Cineworld or Vue (terms apply)

No Yes

There are many partners and rewards to choose from including:

  • Up to 40% cashback on Good Health food from Waitrose
  • Pay nothing for Amazon Prime
  • 30% off an annual Headspace subscription
  • Up to 40% off a range of Garmin devices

The important bits: accessing the full range of rewards, requires the addition of the Wellness Optimiser or Vitality Optimiser reward to your policy (minimum premium £45). Tracking your health-activity earns Vitality points for access to better discounts.

Legal & General

Gift card from Marks and Spencer or Amazon of £100. Legal and General is not only one of the UK’s top life insurance providers, it also provides low life insurance premiums from just £6 month, can give you a quote in 2 minutes, and have you covered in fifteen.

When you buy a life insurance policy with Legal & General you can claim either a £100 Amazon gift card or £100 Marks & Spencer gift card. Like other insurance providers offering a gift card, one must have been a policyholder for at least six months and paid all premiums up to that date. This offer has increased since last year when it was previously a £70 gift card, so if you find that the Legal and General life policy now suits your needs, it is a good time to get it.

The important bits: 6 months premiums must be paid before policyholders can claim their gift card (only one per policy). Offer until at least 30/04/2020


Choice of Tesco, Marks and Spencer or Amazon gift card (value up to £180).As a life insurance provider, Churchill is a well-known, dependable brand with their life payouts in 2018 being 99% to the millions of customers they serve across the UK.

Churchill offer a gift card for use at several retailers on purchase of a new life insurance policy. This gift voucher is worth up to £180, and valid at either Amazon, Marks & Spencer or Tesco.

Like other offers, the value of the gift card is tied to how much you pay for your premiums:

  • Paying between £4 – £10 a month gets you a £35 gift card
  • Paying between £10.01 and £20 per month gets a £60 gift card
  • Paying between £20.01 and £30 per month gets a £120 gift card
  • Paying over £30 gets you a gift card of £180

One should note that Churchill life insurance is provided through AIG, so if you've previously purchased an AIG life policy, you might not qualify for this free gift.

Policyholders will qualify for their e-Gift card six months after the policy start date, provided:

  • the policy has not been cancelled in that time
  • Premium payments are fully up to date
  • a claim has not been made

The important bits: you will be eligible for your free gift after paying your premiums for 6 months. Cashback customers are excluded from this offer whilst only one gift card available per policy (two per household). As Chuchill is underwritten by AIg, if you've previously taken out an AIG policy, you might not qualify.

Beagle Street

Amazon gift card of one hundred pounds. Beagle Street is a dedicated life insurance specialist, and won multiple awards from independent comparison sites for the coverage offerings they protect millions across the UK with.

Beagle Street offers its new life insurance customers a £100 Amazon gift card. Whilst you must have been a policyholder for at least six months, the qualifying premium amount only needs to be £10 or over, which is a lower threshold (relative to the value of this gift card) than other policy offers. Once your policy has been live for 6 months, you’ll receive an email within 30 days from this date to claim the gift (details will be sent via email or text). You then have 90 days from the date of that email or text message to make your claim.

The important bits: vouchers are only received after paying your premiums for 6 months, with only one gift card per person, per policy. Policies cannot be taken out via intermediaries, but directly with Beagle Street


Love2Shop gift vouchers, up to the value of a hundred pounds. Zurich is a world-class life insurer that offers affordable coverage to a global customer-base. In the UK, Zurich gives qualifying life insurance policyholders £100 worth of Love2Shop gift vouchers. Love2Shop is one the UK’s biggest high street gift voucher companies, and their gift cards are accepted at over 150 retailers, including Argos, Boots, Halfords, Iceland, and New Look.

Whilst this might not be the largest gift card on offer, it at least can be spent at a huge choice of shops. To access this offer, one has to buy life insurance online at using the promo code ‘ZOFFERS’.

The vouchers are issued after your sixth consecutive monthly premium, with the value of the voucher being determined by the combined value of your first six months of premium rounded down to the nearest £5. So if you pay £5 a month you'll receive a £30 voucher, £10 gets a £60 voucher and £17.50+ per month gets the full £100 worth of gift vouchers.

The premium and gift card values are as follows:

Premium Value













Love2shop vouchers will subsequently be emailed to the plan-holder's email address after Zurich have received your 6th monthly payment. Use this email to register for your Love2shop voucher (for which you have 28 days). Once registered your Love2shop voucher will be emailed within two weeks.

The important bits: six months premiums need to be paid first before redemption of free gift, and the offer is not valid if your life insurance policy is purchased via price comparison or cashback websites. Don’t forget to use the promo code ZOFFERS online!

Smart Insurance

Amazon gift card of seventy-five pounds. Smart Insurance offers a range of life insurance products that look to suit you whatever your personal circumstances or particular needs.

They offer a £75 Amazon gift card, collectible upon your sixth consecutive monthly premium. The premiums paid must exceed that value, so if your premiums are on the low side, it will take longer to claim. It’s also important to mention that this gift card is only available to new Smart Insurance Family Life customers, and not those with Smart Guaranteed Life Insurance policies.

The Important bits: one Gift Card per policy, with no cash alternative available. This gift card is not valid for customers who receive a cash sum when they buy a Smart Insurance product via a price comparison or cashback site. The £100 Gift Card is only applicable on purchasing Family Life Insurance directly from Smart Insurance.

British Seniors

Marks and Spencer gift card of seventy-five pounds. British Seniors offers specialist life insurance, to the over 50’s, focused entirely on the needs of the elderly. They also provide a free gift card to new life policy members.

Upon policy purchase, policyholders will be sent their gift card after paying their sixth successful monthly premium AND once those premiums exceed the value of the gift card. For a single policy, the value will be up to £75 for use at Marks and Spencer. A great aspect of this gift from British Seniors is that if you purchase a joint policy, the gift card can be up to £150.

The important bits: one Gift Card available per policy with no cash alternative. Your free gift is not valid for customers who receive a cash sum when they buy a British Seniors product via a price comparison or cashback site.

Reviti Life Insurance

Offers of an Amazon gift card up to the value of £125. Reviti offers life insurance cover for 18 to 80 year olds, and having been around since 1862 with a payout rate of over 99%, you know you’re in good hands. In addition to that they also offer a gift card of up to £125 for use on

The offer only applies for new customers only, and for a policy that has been in force for a minimum of six months (with premium payments up to date). The amount of your gift card will depend on how much your monthly premiums are:

Monthly Premium Gift Card Amount
£5 to £9.99 £40
£10 to £14.99 £75
£15 to £19.99 £100
£20 £125

The important bits: no cash alternative is available, with one gift card per policy, two per household. Applicable to new customers only who have paid a minimum of six months premium.

Co-op Insurance Service

In-store vouchers in participating Co-Op stores of Fifty Pounds. Co-op offers several life insurance policies that can help give financial relief to your loved ones on your passing. Life insurance purchased with the Coop Insurance Service also comes with £50 of Co-op food vouchers. If this supermarket is your local food shop, this might be the gift for you. For some, the gift vouchers included with other life policies might not be as useful.

Another thing to note is that the Co-op life insurance policy is underwritten by Royal London who themselves don’t offer a free gift on policy purchase. So if you’re keen to have a policy backed by Royal London, this could be an alternative with a small bonus.

In addition, most free gifts from other insurer providers have a minimum waiting time of six months; Co-op life is only four before you can claim your gift.

The important bits: gifts can be purchased either online or over the phone. One voucher per policy, with vouchers only valid in Co-Op branded stores. Currently valid on policies purchased up to 30th June 2020, eligibility for free gift after four months of paid premiums.

Price Comparison Sites

Whilst these are not life insurance providers, price comparison sites still give access to some free gifts when purchasing life insurance via their website. Here we look at two of the most generous and well-known: and

Amazon gift card of a hundred pounds. offers a £100 gift card from Amazon. Policyholders are eligible for one Amazon gift card per policy, and must take out a life insurance policy online to claim this.

Policyholders still have to hold their life insurance policy for a minimum of six months, and make sure all payments are up to date. An advantage of this gift offer over others is that the £100 gift card is not dependent on the level of premium payment amounts.

The important bits: six months of premium must be paid before your free gift card can be claimed, with online purchase needed for eligibility. One gift card per policy.

Compare the Market

Amazon gift card up to the value of £195. Compare the Market gives the most generous gift card, up to the value £195. However, the value of the gift you might receive is staggered depending on the monthly premium cost and the provider, as presented below:

Life Insurance monthly premium cost Zurich Legal and General Beagle Street All other Brands
£0.00 – £10.00





£10.01 – £20.00





£20.01 – £30.00





£30.01 – £40.00





£40.01 – £50.00





£50.01 or above





As you can see, the maximum £195 gift card can be achieved for policies purchased with Beagle Street. The monthly premium must be over £50 a month to get the biggest gift amount. Whilst the values are tied to premium amounts when moneysupermarket’s is not, only 3 months of paid premiums are required to qualify for this gift card (as opposed to six.

The important bits: policyholders must pay three months premiums before being eligible for free gift voucher. Offer is only available after online purchase of life policy via The value of the gift card depends on the insurer and premium value, with only one gift card per policy.