Life’s a gift, so protect it

Read more about the importance of life insurance, health insurance, income protection and critical illness cover before taking advantage of our member exclusive offer. T&Cs apply.

The different types of life insurance explained

We explain the different kinds of life insurance, how they work and when to get a quote to find the best deals

Get to grips with the different types

Best private health insurance 2025

Find out how health insurance works, what medical treatment is covered and the best rated insurers

See our reviews

Income protection insurance explained

We look at whether income protection cover is worth it for a group of employees and self-employed individuals

Find out if its worth it

Critical illness cover explained

Find out how critical illness cover works and what health conditions it does and doesn’t cover

Check if you can get covered

FAQ's

Is Which? making money from this promotion?

Which? currently receives a commission if a consumer buys a protection or insurance policy from LifeSearch having clicked from Which.co.uk. For this promotion, we are using a proportion of this commission to fund 50% of the John Lewis gift card with LifeSearch funding the other half. The balance of the commission paid to Which? helps fund our mission to continue as the UK’s consumer champion.

We want to encourage consumers to have the right protection in place for their needs whether that be life insurance, income protection, critical illness cover or private health insurance.

No, the gift card is only redeemable against the first insurance policy purchased via Lifesearch. If a member decides to purchase multiple insurance policies he/she will only be eligible to receive one gift card.

Which? already works with LifeSearch for our life and health insurance comparison services. We only work with reputable third-party companies and we go through an internal due diligence process before partnering with them.

Our Member Services team will be able to help you sort your login problems. Get in touch with us via your preferred contact method and we'll be happy to help.

If two working days have passed since you provided your contact details, please call LifeSearch on 0800 072 1262.

You are giving this information to LifeSearch so they can contact you. Which? are not sharing personal information with LifeSearch in order to execute this promotion.

More questions? Get in touch.

Terms and Conditions

  • Offer is open to current Which? subscribers with Full Access, Digital, Magazine, Tech Support, Money, Gardening or Travel membership. Excluding LifeSearch employees, their immediate relatives and any 3rd parties involved in promoting the offer - unless they are Which? subscribers.
  • You must complete the screening questionnaire within the date range of the promotion, 14/05/25 – 18/06/25 inclusive and be accepted as a policy holder with an insurance provider found via LifeSearch.
  • Your insurance policy must be in place at least 90 days.
  • You’ll receive an electronic gift card from Which? after we get confirmation from LifeSearch that you have completed the insurance provider’s onboarding and validation process. This may take up to a further 45 days after you have held the policy for the minimum period of 90 days.
  • You must provide a valid email address linked to your Which? membership to receive the electronic gift card.
  • Gift card must be redeemed within 24 months of being issued or last use.
  • Gift card is only redeemable against the first insurance policy purchased via LifeSearch. If you decide to purchase multiple insurance policies, you will only be eligible to receive one gift card.
  • Which? reserves the right to withdraw or amend this offer at any time.
  • Except for liabilities that cannot be excluded by law, Which? Accepts no responsibility for any damage, loss, liabilities or disappointment incurred or suffered by you as a result of entering the promotion.
  • Your gift card cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account.
  • Which? is not responsible if your gift card is lost, remains unused after expiry, stolen, destroyed or used without permission.


Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative (FRN 610689) of LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts. LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.

We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners. If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.