Find the right plan for you and claim your welcome reward today!
What Makes These Plans Special?
Searching for the right life insurance plan doesn’t have to be difficult. With these over-50 life insurance plans, you can enjoy the security of knowing your loved ones are protected. Plus, as a token of appreciation, many providers offer exciting free gifts when you sign up.
- Guaranteed Acceptance – No medical required if you’re aged 50-85.
- Affordable Payments – Choose a premium that works for your budget, starting from as little as £4 a month.
- Free Gifts Await You – Receive gift cards worth up to £140 from top retailers like Amazon, M&S, Tesco, or Love2Shop.
- Trusted Providers – All plans are offered by FCA-approved insurers for reliability and peace of mind.
Compare Top Free Gift Offers
We’ve done the research so you don’t have to! Here are the top over-50 life insurance plans with free gifts for 2026:
SunLife
£140 Love2Shop gift card.
British Seniors
£125 Love2Shop gift card.
Cover Today
£125 M&S, Sainsbury’s, or Amazon gift card.
Shepherds Friendly
£125 Love2Shop gift card.
Post Office
£125 M&S, Tesco, or Amazon gift card.
| Provider | Gift Value | Gift Type | Guaranteed Acceptance | Age Range |
|---|---|---|---|---|
| SunLife | Up to £140 | Love2Shop | Yes | 50-85 |
| British Seniors | Up to £125 | Love2Shop | Yes | 50-80 |
| Cover Today | Up to £125 | Amazon/M&S/Sainsbury’s | Yes | Varies |
| Shepherds Friendly | Up to £125 | Love2Shop | Yes | 50-80 |
| Post Office | Up to £125 | Tesco/Amazon/M&S | Yes | Varies |
Eligibility Tip: Most providers require you to pay six months’ premiums before claiming your gift. Always review the specific terms and conditions of each policy.
What To Look For Besides The Free Gift
A welcome gift can provide excellent value, but it should not be the main reason for choosing a policy.
- Guaranteed acceptance criteria
- Monthly premium cost
- Maximum payout available
- Waiting periods
- Accidental death benefit
- Funeral benefit options
- Provider reputation
- Claims performance
A policy with a slightly smaller gift card may provide significantly better long-term value through higher cover levels or lower premiums.
Are Free Gift Life Insurance Plans Worth It?
Many people search for over 50 life insurance plans with free gifts because they provide an immediate reward for taking out cover.
- Love2Shop gift cards
- Amazon gift cards
- Tesco vouchers
- Marks & Spencer gift cards
However, the overall suitability of the policy remains more important than the value of the gift. A £125 gift card should not outweigh differences in cover, premiums or policy features.
How It Works
Browse the Options
Choose a plan from leading UK providers that suits your budget and coverage needs.
Apply Online or by Phone
It’s quick and straightforward to get started. No medical exam required!
Claim Your Gift
Once you’ve paid your qualifying premiums (typically six months), claim your welcome gift from your selected provider.
Frequently Asked Questions
Are free gifts available to everyone?
Yes, as long as you choose an eligible policy, meet the qualifying terms (such as maintaining payments for six months), and apply directly through the insurer.
Will the value of the gift depend on my policy cost?
For most providers, the value of the welcome gift is not dependent on your premium amount. However, the full terms vary by provider, so it’s always a good idea to check.
Can I claim a gift if I’ve held a policy before?
Some providers have restrictions for previous customers. For instance, reapplying for the same policy after a cancellation may void your eligibility for the gift.
How long does it take to receive my free gift after taking out a policy?
Most insurers send your free gift within 30 days after you’ve made the required qualifying payments — usually six consecutive monthly premiums. Processing times can vary slightly depending on the provider and the type of reward selected.
Do I have to go through a broker?
No! The offers listed above are only available when you apply directly with the insurance company.
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