Best life insurance with free gift 2026
At LifePro, we've spent time reviewing the best life insurance with free gift offers available in 2026.
Continue reading below to learn all about the best offers currently available in the UK.
We hope our in-depth and up to date free gift with life insurance article saves you valuable time and money...
Free gift aside, how much life cover do you need?
Enter your financial commitments to understand the level of cover you require.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
- Outstanding mortgage balance
- Other debts and loans
- Income replacement for your family (typically 5-10 years of salary)
- Children's education costs
- Funeral expenses (typically £4,000-£10,000)
- Any specific financial goals for your dependents
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance With Free Gift, and find the right level of cover for your needs at the best available price.
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