If you take out Legal & General Life Insurance or Mortgage Life Insurance with or without Critical Illness Cover before 31/01/2013 you will be entitled to a FREE £40 Marks & Spencer voucher.

Legal & General are the UK's number one protection provider and have been for the past seven years. Over 90% of their customers rate their overall service as good/very good or excellent. At the Financial Adviser Life & Pensions Awards 2011 they won Best Life Assurance Provider. In the UK they have distribution arrangements with over 20 banks and building societies including Barclays, HSBC, Lloyds Banking Group, Nationwide Building Society, Northern Rock, RBS, Sainsbury’s Bank, Skipton Building Society and Yorkshire Building Society and 50% of FTSE 100 companies with pension funds are managed by LGIM.

Their online Life Insurance offerings are –

Level Term Assurance - designed to help make sure your family are financially protected in the event of your death.

Mortgage Term Assurance - designed to help pay off your interest only mortgage if you die during the term of your policy.

Mortgage Decreasing Term Assurance - designed to help protect a repayment mortgage as the amount of cover reduces roughly in line with mortgage.

You can apply for Level term Insurance before between the ages of 17 and 77 but your cover cannot go beyond the age of 80.

Plus you get a 4% discount if you pay your premiums annually.

Premiums can cost from as little as £6 per month, that's just 20p a day. Your individual premium will depend on your own needs and circumstances.

All their life assurance policies automatically include Terminal Illness Cover at no extra cost, and this means they also pay your chosen amount of cover if you're diagnosed with a terminal illness and have less than 12 months to live.

You can add Critical Illness Cover and Waiver of Premium to their policies for an additional cost.

Remember If you cancel please be aware that you won't get anything back. The plans have no cash in value at any time.