£100 M&S or Amazon voucher after 6 months of life insurance

Posted 7th Jan 2022
legalandgeneral.com/ins…ly/

This popped up on my Instagram feed.
6 monthly payments of minimum £6 to be made for a minimum total of £36 leaving a profit of £64. Not as good as the Halifax life insurance deal previously and not sure if you can apply both deals, but may be helpful for some who can bother with the effort.

3867428_1.jpgTerms and conditions
If you buy Life Insurance or Decreasing Life Insurance with or without Critical Illness Cover you’ll be entitled to either a £100 Amazon.co.uk Gift Card* or M&S e-Gift Card after you apply online or by phone. Please read the following terms and conditions before you apply:

This offer is only available to customers who take out a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover online or via the telephone.
You will be eligible for your e-Gift card six months after your policy start date, provided you haven’t cancelled your policy and your payments are fully up to date.
A letter or email will be sent to you with details of how to redeem your e-Gift card, please allow 60 days from your policy start date for delivery of this communication.
This offer is not available to Cashback customers. Cashback customers are customers who receive a cash sum when they buy a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover via a Cashback site.
This offer is only available if you apply directly to Legal & General. If you apply via a Financial Adviser, or through any other website that isn’t legalandgeneral.com, such as a comparison site, you will not be eligible for this offer.
If you have previously held and cancelled a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover within the last 18 months, you will not be eligible for this offer.
Legal & General reserves the right to cancel your Legal & General Life Insurance or Decreasing Life Insurance policy or your eligibility for an e-Gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused.
This offer is limited to one e-Gift card per policy sold.
You have twelve months from your policy start date to claim your e-Gift card or you will not be eligible for this offer.
Legal & General reserve an absolute right to amend and/or withdraw any offer at any time.
No cash alternative will be offered.
This offer cannot be used in conjunction with any other discount or offers.
*Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Cards ("GCs") may be redeemed on the Amazon.co.uk website towards the purchase of eligible products available on www.amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See amazon.co.uk/gc-…gal for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.
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  1. Avatar
    Kev_Snow07/01/2022 06:51

    But surely by agreeing to pay £6 a month for a year £72 in total and after …But surely by agreeing to pay £6 a month for a year £72 in total and after cancelling after that period is not abusing L&G t&c?


    I guess it depends what they count as 'abuse'?

    You're probably right actually that if you keep it for a whole year you'd be fine. If you wanted a year's life insurance with these guys, that would be a win-win, but if you're only interested in the cashback (like I would be to be honest, having a long-running life insurance policy in place elsewhere), then you would suffer from diminishing returns. Profit would only be £28 if you keep the policy running for a year as opposed to 6 months. Which may or may not be worth the effort depending on your opinion.


    PS, I ended up paying for at least 2 or 3 months extra when I last took out this offer, as L&G were really slow issuing the vouchers, and required chasing. (edited)
  2. Avatar
    Swahmad07/01/2022 06:31

    The idea is you put no to everything, so not actually interested in the …The idea is you put no to everything, so not actually interested in the product, just the voucher.


    Wouldn't that constitute fraud?
  3. Avatar
    Mine has vanished from the rewards section on the L&G website, there was a counter counting down which was due to end on the 4th of august. Anyone else had this issue?
    Avatar

    Replying to

    10/02/22
  4. Avatar
    Forget the time, I don't think the data you give up is worth the profit.
  5. Avatar
    Author
    mamoffour07/01/2022 06:24

    if you have fibromyalgia they won't insure you....great


    The idea is you put no to everything, so not actually interested in the product, just the voucher.
  6. Avatar
    I did this successfully a while back. Easy money. It seems I would be eligible again, looking at the terms of not having cancelled within the last 18 months, but I would be wary that they would spot that I only had a policy for as long as it took the voucher to be issued, and that would it would come under this clause:

    "Legal & General reserves the right to cancel your Legal & General Life Insurance or Decreasing Life Insurance policy or your eligibility for an e-Gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused."

    Having insurance cancelled by the provider can cause issues when taking out insurance further down the line. Don't think I'll risk it.
  7. Avatar
    Swahmad07/01/2022 06:31

    The idea is you put no to everything, so not actually interested in the …The idea is you put no to everything, so not actually interested in the product, just the voucher.


    If the fraud is discovered, then you will not get cover from that company again. Not worth the risk.
  8. Avatar
    for those that would like life insurance after.
    Even if you finished the full year the profit is £28 which isn't bad considering deals here for amazon are £6 for putting in £40-50.
  9. Avatar
    Extra bonus for loved ones if you pop your clogs too.
  10. Avatar
    Definitely worth a punt in your opinion? Heat ad (edited)
  11. Avatar
    Crapweasel07/01/2022 06:44

    I did this successfully a while back. Easy money. It seems I would be …I did this successfully a while back. Easy money. It seems I would be eligible again, looking at the terms of not having cancelled within the last 18 months, but I would be wary that they would spot that I only had a policy for as long as it took the voucher to be issued, and that would it would come under this clause:"Legal & General reserves the right to cancel your Legal & General Life Insurance or Decreasing Life Insurance policy or your eligibility for an e-Gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused."Having insurance cancelled by the provider can cause issues when taking out insurance further down the line. Don't think I'll risk it.


    But surely by agreeing to pay £6 a month for a year £72 in total and after cancelling after that period is not abusing L&G t&c?
  12. Avatar
    Ashe21/01/2022 21:15

    Interesting point:A letter or email will be sent to you with details of …Interesting point:A letter or email will be sent to you with details of how to redeem your e-Gift card, please allow 60 days from your policy start date for delivery of this communication.So we should get this letter/email within 60 days of policy start date, though we don't get the e-gift until six months payments have been made?


    I got that email through and it lets you choose the gift.
  13. Avatar
    Signed up on 5th Feb and got to choose gift card today! A little confusing through (see image) - either claim before or after 4th August! They do have a helpline though "Any questions about your reward? Give us a call on 01565 656483"

    46878281-C4gQe.jpg
  14. Avatar
    What’s the catch?
  15. Avatar
    Author
    Kev_Snow07/01/2022 05:52

    Definitely worth a punt in your opinion? Heat ad


    It's up to you if you can be bothered to wait 6 months for £64. Not much effort imo for free cash essentially.
  16. Avatar
    Author
    Lower_for_Longer07/01/2022 05:24

    Forget the time, I don't think the data you give up is worth the profit.


    Yet here are we giving some of it away for free in exchange for fiery Great British and Northern Irish sales that may pique our interest!
  17. Avatar
    if you have fibromyalgia they won't insure you....great
  18. Avatar
    Interesting point:

    • A letter or email will be sent to you with details of how to redeem your e-Gift card, please allow 60 days from your policy start date for delivery of this communication.

    So we should get this letter/email within 60 days of policy start date, though we don't get the e-gift until six months payments have been made?
  19. Avatar
    I bought two life insurance policies - one for myself and another for spouse. But received only one email of choosing the gift card.
  20. Avatar
    If you're thinking beyond receipt of the voucher, shop around... Legal & General reviews
  21. Avatar
    doesitmatter30/01/2022 21:57

    I bought two life insurance policies - one for myself and another for …I bought two life insurance policies - one for myself and another for spouse. But received only one email of choosing the gift card.


    Same here, anyone else has this problem and found a solution?
  22. Avatar
    denix14/02/2022 20:26

    Same here, anyone else has this problem and found a solution?


    Had to contact them by phone to sort it out. Didn’t get original email but something similar

    Drop an email to landg@atreatforyou.co.uk and also call on 01565 656483

    Email -

    Good Afternoon,

    Thank you for your recent enquiry.

    The Marketing Lounge Partnership who manage this promotion on behalf of Legal & General.

    We have an update for you regarding a recent investigation we set up for you regarding your voucher.

    Please note you are eligible for the gift 6 months after your policy start date, provided you haven’t cancelled your policy, your gift will be processed once this period has ceased. You will be eligible 11/07/2022.

    If you have any further issues please contact us on 01565 656483,our phone lines are open from Monday to Friday 9-5.30pm.

    Kind Regards
    The Legal & General Rewards Team (edited)
  23. Avatar
    denix14/02/2022 20:26

    Same here, anyone else has this problem and found a solution?


    Just to update that, with a bit of patience, my other half's email came through today and we started the 167 day counter to receiving the amazon voucher
  24. Avatar
    Got mine through today!
  25. Avatar
    Who was email from so I can keep eyes peeled
  26. Avatar
    Got mine , logged onto landg and its in rewards section
  27. Avatar
    I am getting an option of £5 a month. Hoping that will still get me the voucher
  28. Avatar
    Not received my eGift card so am needing to email them on landg@atreatforyou.co.uk
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