Best free gifts or incentives for new Life insurance

Hi all

At 48 years old that time has come where I have recently reviewed my life insurance and discovered that I really do need to increase it. So, a couple of months back I went onto a compare site for life insurance and they asked a lot of specific questions. In order to give accurate answers to the questions I asked for my medical records which I now have. Therefore, today I intend to search for a new life insurance policy. Whilst I definitely do NOT want a cuddly meercat or other cheap gimick I did notice things like £50 & £100 gift cards. With this in mind does anybody have any decent suggestions of good incentives for a new policy?
Thanks all

Comments

  • Quentin
    Quentin Posts: 40,405 Forumite
    Get up to £2250 cashback via the usual cashback sites
  • wjr4
    wjr4 Posts: 1,298 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    If I were you, I'd not worry about which free gift I receive but I'd just get the most suitable policy for my needs. You might end up paying over the odds for the 'free gift' or 'cashback'.
    I am an Independent Financial Adviser (IFA). Any posts on here are for information and discussion purposes only and should not be seen as financial advice.
  • dunstonh
    dunstonh Posts: 119,116 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Gimmicks are paid out of the commission they receive. The greater the commission, the higher the premium. So, going with a lower commission option with no gimmicks is usually better value.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Cheers guys. Top advice there from a couple of different angles. Appreciate your time.
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