Best life insurance with free gift deals of 2022

March 15, 2022

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If you are looking for a life insurance policy and are not sure which insurance company to go with, you may want to consider what free gifts each one is offering along with their policies.

From free laptops and tablets to gift vouchers and cashback, lots of life insurance companies are going all out to tempt you to buying your policy from them.

If you’re in the market for life insurance and think a free gift might just tip the balance, then check out our updated* list of the top life insurance with free gift offers below.

*Last updated: March 2022

For more information on your policy options, visit our Life Insurance page.

Best life insurance with free gift deals 2022

 

Quick Quote Life Limited logo

Quick Quote Life – Up to £200 Amazon voucher

Quick Quote Life Limited is a life insurance broker that has been providing policies to customers in the UK for more than ten years. Compare life insurance quotes with Quick Quote Life today and buy a policy with them to receive an Amazon voucher worth up to £200*.

To get a free, no-obligation quote for life cover and to find out how much your Amazon voucher could be worth, visit: www.quickquoteinsurance.co.uk/bobatoo-life-insurance-free-gift/.

*The value of your Amazon voucher will depend on the type of life insurance policy you purchase and the cost of your monthly premiums.

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Quidco logo

Quidco – up to £595 cashback

Rather than a gift card or voucher, how about receiving cold hard cash back in your pocket when you take out a life insurance policy?

Sign up with Quidco and buy your policy through their site (current life insurance providers on there include Beagle Street, Royal London and Aviva) and you could earn as much as £595 cashback.

Claim cashback: www.quidco.com

 

Shepherds Friendly life insurance

Shepherds Friendly over 50’s life insurance – £50 Love2Shop voucher

If you are looking specifically for an over 50’s life insurance policy, then specialist Savings and Insurance company Shepherds Family are offering a £50 Love2Shop voucher.

Love2Shop can be used in hundreds of well-known stores such as M&S, Mothercare, HMV and River Island.

Claim free gift: www.shepherdsfriendly.co.uk/plans/insurance/over-50-life-insurance

 

Post Office logo

Post Office life insurance – Choice of a £50 Argos, M&S or Amazon.co.uk gift card

A life insurance policy from the Post Office comes with a £50 gift card.

Life insurance policies from the Post Office are underwritten and administered by Scottish Friendly Assurance Society Limited. Neilson Financial Services Limited assist in the administration.

Claim free gift: www.postoffice.co.uk/life-cover/life-insurance

 

Zurich InsuranceZurich life insurance – vouchers up to £100

Buy your life insurance policy through Zurich and you could get up to £100 worth of vouchers.

The total amount of your vouchers is the combined value of your first six months premiums, with a maximum value of £100. This basically means you get your first six months of life insurance premiums back as vouchers from your choice of Amazon, John Lewis & Partners and Love2shop.

Claim free gift: www.zurich.co.uk/life-insurance

 

LegaL And GeneralLegal and General – £100 voucher

Legal and General offer a gift card worth £100 when you buy a life insurance policy through them.

You can choose a voucher to spend at Amazon or Marks & Spencer, and premiums can start for as little as £6 per month (depending on your circumstances).

Claim free gift: www.legalandgeneral.com/insurance/life-insurance/

 

Direct Line logoDirect Line – gift card up to £180

Direct Line offer a free voucher to use at Amazon, M&S or Love2Shop with a maximum value of £180.

The value of the gift card varies depending on how much your monthly premiums are. If you pay between £5.00 and £10.00 per month then you will be eligible for a £35 voucher.

If you pay over £30 per month you’ll get a voucher worth £180.

Claim free gift: www.directline.com/life-cover

 

MoneySuperMarketMoneySuperMarket – £100 gift card

You can also get a £100 gift card if you buy life insurance through MoneySuperMarket.

You’ll get the voucher after the first six months of premiums, and you can choose between Argos, Next and M&S.

Claim free gift: www.moneysupermarket.com/life-insurance/with-free-gift/

Note: This offer has now ended 

 

Churchill InsuranceChurchill – gift card up to £180

Churchill are another insurance company offering a voucher as a free gift when you buy a life insurance policy, with a maximum value of £180 depending on your monthly premiums.

You can choose between a gift card for Tesco, M&S or Amazon, which is limited to one per household and is available after six months of taking out the policy.

Claim free gift: www.churchill.com/life-insurance

 

Sun Life InsuranceSun Life – £120 gift card

Sun Life offer a free gift of a £120 voucher for either Marks & Spencer, Argos, Iceland, Boots and many more if you buy their specialist Over 50s life insurance policy.

If you are over 50 and looking for life insurance with a free gift this is likely to be a good option as it will offer the most suitable cover.

Claim free gift: www.sunlife.co.uk/over-50-life-insurance/free-gift/

Note: Offer ends 30th March 2022

 

Aviva car insurance logoAviva – £50 gift card

Aviva give out a £50 voucher for those who buy their over 50s life insurance policy, which can only be used at Marks & Spencer.

The free gift is only available if you buy the policy direct, rather than through a price comparison or cash back website.

Claim free gift: www.aviva.co.uk/insurance/life-products/over-50-life-insurance/

Note: Offer ends 10th April 2022

 

co-op logo

Co-op Insurance – £75 gift card

Get a life insurance policy with the Co-op, and you will get £75 worth of vouchers which can be used in B&Q or via Love2Shop.

This offer is open to new customers who buy life insurance directly through the Co-op, and the offer ends on 31 December 2019.

Claim free gift: www.co-opinsurance.co.uk/life-insurance

Note: Offer ends 30th June 2022

 

LV Liverpool Victoria

LV life insurance – £250 gift card

LV= (formerly Liverpool Victoria) will give you up to £250 worth of vouchers to spend at M&S, Argos, JustEat, IKEA, Amazon and many more when you take out one of their life insurance policies.

The voucher will be sent to you after you have paid the 6th monthly premium, and is only available if you apply and buy your policy online.

Claim free gift: www.lv.com/life-insurance

Note: Offer ends 31th March 2022

 

Sainsburys Bank logo

Sainsbury’s Bank – £100 worth of Nectar points

If you are a Nectar cardholder, this offer may actually work out the best value for you.

You can earn 20,000 Nectar points worth £100 when you take out a Life Insurance policy and your monthly premiums are a minimum of £10.

Claim free gift: www.sainsburysbank.co.uk/life-insurance

 

Life insurance with free gift – things to bear in mind

You might get excited when you see that a free gift is on offer for buying life insurance, but you should not base your purchase decision solely on the free gift.

First of all, consider not only what the free gift is worth – but what it’s worth to you.

Perhaps the free gift is something you actually need and is quite expensive, for example you are thinking of buying a new laptop and the fact one comes with a life insurance policy is just a bonus that you can take advantage of. In that case buying life insurance with a free gift can be a great way to save yourself some money.

However, if you don’t actually need the free gift or if it is fairly inexpensive then you shouldn’t let it influence your decision too much.

Can you get the same life insurance cover for cheaper elsewhere?

As with any form of insurance, the best way to get cheap life insurance is to shop around and compare quotes from a range of insurers.

By doing this you may find a cheaper policy that offers the same level of life cover, which saves you more money than what the free gift offers.

Don’t let an attractive free gift blind you to the actual lifetime cost of the policy, and make sure you shop around before committing to life insurance.

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Is the policy right for you?

Many people are so concerned with the price of life insurance that they forget perhaps the most important aspect: whether the policy offers the right level of cover for you and your family.

Regardless of the free gift, if you buy a policy that is not suited to your own individual needs and requirements then you can end up paying a lot more over the years for cover you don’t even need.

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