Over 50 life insurance with free gift

Love2Shop enables you to shop at hundreds of high street shops and online, including M&S, Argos, and Boots. See here the full range of where you can spend a Love2Shop gift card.

As a new customer you’ll also receive free entry to SunLife’s Big Cash Draw with a chance to win £10,000, as well as a free SunLife pen.

All applicants who are eligible for this gift will receive a £125 voucher, entry to the prize draw and a free pen. The value of the gift you receive isn’t dependent on the cost of your monthly premium.

You’ll need to have made 6 premium payments in order to claim these free gifts. If you stop paying your premiums or cancel your policy before 6 months has passed, you’ll no longer qualify for this gift.

This offer is available to new customers who purchase a policy directly from SunLife. You’ll simply need to let them know that you’d like to receive this free welcome gift when you take out your policy.

As with the majority of gift cards we identified, you'll only qualify for the gift after paying your 6th monthly premium.

The Love2Shop gift cards will be sent to you in an email after confirming your 6th payment.

Love2Shop gift cards are accepted at over 150 retailers, including Argos, M&S and Boots.

As with most of the offers we found, you have to pay in 6 months’ worth of premiums before you can claim your free gift.

You'll be sent a letter or email up to 60 days after the start of your policy with details on how to redeem your voucher.

If you miss a premium payment or cancel your policy within the first 6 months, you'll no longer be entitled to the gift.

If you've previously held or cancelled a policy with Legal & General within the past 18 months or are a cashback customer, you won't be eligible.

Lastly, you have 12 months from the start of your policy to claim your chosen gift card.

You’ll be entitled to the £100 gift card regardless of how much your policy costs.

Once you have paid 6 months premiums, you’ll be contacted with details on how to make your gift card selection.

You’ll then have a further 6 months to claim your gift card. Any selection made after this time won’t qualify.

Direct Line over 50 life insurance is actually provided by AIG.

If you’ve previously taken out AIG life insurance, received a gift and then cancelled the policy, you won’t qualify.

Therefore, if you want to live a healthier lifestyle, this could be a good option.

When taking out over 50s life insurance through Vitality, you’ll have access to a range of rewards and discounts.

The current deals available through Vitality include:

• Up to 40% off your first year’s premiums - Add Optimiser to your policy and track your healthy habits to earn points and increase your Vitality status. The higher your status, the lower your premiums could be
• Access to a discounts and rewards - When taking out cover you’ll automatically have access to Vitality Select, where you have access to a number of reward partners such as Champneys and Garmin. If you add Optimiser and pay an additional monthly fee of £4.75, you could gain access to Vitality plus. With Vitality plus you’ll have access to the full range of reward partners, including Amazon Prime, Virgin Active, Waitrose, American Express and many more