Life Insurance FAQ's

Is there a free gift when I take out Life Insurance?


When you buy a Life insurance or Life with Critical Illness product online, we'll send you a £75 John Lewis & Partners gift voucher after your twelfth monthly premium.

Terms and conditions

  • We will aim to send the gift voucher within 28 working days of receiving your twelfth monthly premium. Please allow time for delivery.
  • The £75 gift voucher offer is only available if you apply online. If you apply by telephone you will not receive a gift.
  • Customers paying monthly premiums will not be eligible for a gift card if a monthly payment is missed during this time.
  • This offer is not available to cashback customers. Cashback customers are customers who receive a cash sum when they buy an LV= product via an LV= partner.
  • LV= staff are not eligible for this offer.
  • The gift voucher will only be issued if you apply directly to LV=. If you apply via a Financial Adviser, or through any other website that isn't such as a comparison site, you will not be eligible for the gift card.
  • If you have previously cancelled an LV= Life Insurance plan you will not qualify for this offer.
  • The incentive provider could be changed but the monetary value of the offer will not change.
  • LV= will cancel any plans or gift voucher should they discover or have a reasonable suspicion that the terms of the offer are being abused.
  • One gift per policy sold, limited to two per household in a 12 month period.
  • No cash alternative will be offered.
  • All terms and conditions also apply to partners, family and friends applying for this offer.
  • Please be aware that there may be tax implications as a result of this offer if there is a claim within the first 16 months. We will write to you with the details when you receive your gift. If you have any questions in the meantime please call our servicing team on 0800 678 1906.
  • LV= have the right to change or withdraw this offer at any time.

Before you buy, please make sure you understand the product features:

Over 50s Life Insurance

We did offer a choice from three complimentary free gifts with our Over 50 Life Insurance one month after the third premium payment has been received. This product has now been closed to new business.

Over 50 Life Insurance existing customers

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