The Post Office life insurance gift card offer is a £100 gift card on its term life insurance and a £125 gift card on its Over 50s Life Cover, as the Post Office's own pages showed on 27 October 2026. Either plan can instead come with an experience worth up to £200, and both offers carry a qualifying period, minimum premiums and an end date.
The gift is a thank-you for taking out a policy, not part of what the policy pays, and it should never decide which cover you buy. The policy is what matters, and an FCA-authorised broker can price it for you; the free call-back begins with the form on this page.
What the Post Office offers on each plan
There are two plans with two different insurers, so there are two offers. The Post Office life insurance guide explains who stands behind each; here is only what the reward pages say.
| Plan | Gift card | Experience |
|---|---|---|
| Post Office Life Insurance (term cover, underwritten and administered by Scottish Friendly) | £100 gift card (M&S, Dining Out or Amazon.co.uk) | Worth up to £200 |
| Post Office Over 50s Life Cover (underwritten by Aviva) | £125 gift card: Dining Out, M&S or Amazon.co.uk | Worth up to £200 |
The term plan's page says: "As a thanks for getting cover with us, select a £100 † M&S, Dining Out or Amazon.co.uk Gift Card *". The Over 50s page puts it as "select a £125 gift card† from a top UK retailer".
The experience is described on the Over 50s page as a choice of "a Luxury Night Away or a Family Adventure Day", with "Hundreds of experiences available nationwide". The term page gives the same "up to £200" value without listing the experiences.
Bought through a price comparison website, either plan is arranged and sold by the firm behind that site, the Post Office pages say. If an advert or comparison site shows a different amount, read the offer terms shown where you buy.
The small print: qualifying period, minimum premium and end date
Both product pages carry the same footnote: "Gift card or Experience offer ends 30 April 2027. Minimum premiums and 180-day qualifying period applies." So on 27 October 2026 the Post Office says:
- the offer ends on 30 April 2027;
- a 180-day qualifying period applies;
- a minimum premium applies; neither product page states the amount.
Each reward line is marked with a dagger and the words "Qualifying period, minimum premiums and terms and conditions apply". The Amazon.co.uk choice also has its own note: "Restrictions apply, see amazon.co.uk/gc-legal".
What the qualifying period counts from, how high the minimum premium is and what happens to the reward if you cancel or miss a payment are set by the Post Office's own offer terms, not by the policy. Bought by phone or on the Post Office website, either plan is arranged and sold by Neilson Financial Services, so ask Neilson or read the full offer terms before you apply.
Is the offer still there when you apply?
An offer like this is a promotion, and promotions change. The end date above is the one the Post Office printed on 27 October 2026, and an offer can be changed or withdrawn before then, so check the terms shown on the day you apply. Note the date of any page or advert you rely on.
Other insurers' gift offers carry their own rules, and our life insurance discounts and gift cards page lays several side by side.
Why the gift should not choose the plan
A £100 or £125 card is small beside what the two plans pay and cost, and the two plans work very differently.
The term plan pays a lump sum if you die within the term you choose. The Post Office's page says: "UK residents aged 18-70 (at the start of the policy) are eligible to take out a Post Office life insurance policy. The minimum term is 5 years and the cover must end before your 90th birthday."
The Over 50s plan has guaranteed acceptance, and its page says: "As long as you're a UK resident aged 50-80, you're accepted." It also sets a first-year rule: "If you die due to medical reasons or natural causes within the first 12 months, we’ll send your family 1.5x the premiums you’ve paid." That first-year rule is separate from the 180-day gift qualifying period, and the two should not be mixed up.
Because the reward needs a minimum premium, choose the amount and length of cover first and check the premium fits it, rather than the other way round. Cover first, gift second: send the form on this page, ask a broker to ring you and price the cover, free of charge.
The Over 50s Life Cover guide goes through how that plan pays out, and whether over 50s cover is worth it looks at the sums.
What the gift card does not change
The gift is a thank-you on top of the policy, not part of the cover. For the term plan, the price is "determined by factors like your age, health and lifestyle", according to the Post Office; the Over 50s plan asks no medical questions. The cost and quotes guide explains what moves the price.
If you later cancel, the policy and the reward are separate questions. What you lose by cancelling the policy is covered in cancelling life insurance; whether cancelling affects the gift is for the Post Office's offer terms to answer.
Critical illness, children's and joint cover belong to the term plan and are covered in Post Office life insurance add-ons.
Frequently asked questions
Is the Post Office life insurance gift card £100 or £125?
It depends on the plan. On 27 October 2026 the Post Office's term life insurance page showed £100 and its Over 50s page showed £125. Each is an alternative to an experience worth up to £200.
Does Post Office over 50 life insurance come with a gift card?
Its Over 50s page offers a £125 gift card (Dining Out, M&S or Amazon.co.uk) or an experience, with a 180-day qualifying period and minimum premiums. For how the plan itself works, see guaranteed acceptance life insurance.
Is an Amazon gift card one of the Post Office choices?
Amazon.co.uk is one of three gift card choices on both pages, alongside M&S and Dining Out, with restrictions noted on the page. Which of the three you can pick, and when, is set out in the offer's terms.
Do I need a code to get the Post Office life insurance gift?
On 27 October 2026 neither Post Office product page asked for a code: each describes the reward as something you select after getting cover. If an advert or partner site gave you a code, check with whoever issued it which terms go with it.
When is the Post Office gift card sent?
On 27 October 2026 both pages said a 180-day qualifying period applies, without a date for sending the card or experience. The timing is part of the Post Office's offer terms, so check those before you rely on a date.
Does the offer last?
The footnote on both pages says it ends on 30 April 2027. Check it again when you apply, as offers can be changed.
Sources
- Post Office, Life Insurance from £5 a Month | £100 Gift Card (undated), read 27 October 2026. postoffice.co.uk/life-cover/life-insurance
- Post Office, Over 50s Life Insurance | Get a Quote (undated), read 27 October 2026. postoffice.co.uk/life-cover/over-50s-life-insurance