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Offer Terms & Conditions

• This offer is available to a customer who purchases Life Insurance, Critical 3 with Life Insurance or Guaranteed Sixty-Plus Life Insurance directly via the RBS, Natwest or Ulster website from 6th January 2020 to 27th March 2020.

• The e-Gifts available to choose from are:

(a) £75 Argos e-Gift Card
(b) £75 M&S e-Gift Card
(c) £75 B&Q e-Gift Card

All gifts are subject to their own terms and conditions detailed below*

• If you don’t have a valid email address you can ask us to send out your e-Gift Card via post.

• You will be eligible for your e-Gift Card six months after your policy start date, provided your policy has not been cancelled, your payments are fully up to date, and a claim has not been made.

• If you have previously received an e-gift card for a policy and it has been cancelled, you do not qualify for subsequent e-gift cards.

• A letter or email will be sent to you with details of ‘what happens next’, please allow 30 days from your policy start date for delivery of this communication.

• A letter or email will also be sent to you with details of ‘how to redeem your e-Gift Card’ after you’ve had your policy for 6 months, please allow 30 days from this point for delivery of this communication.

• This offer is limited to one e-Gift Card per household.

• You have six months from the date we send you the ‘how to redeem your e-Gift Card’ communication to claim your e-Gift Card or you will not be eligible for this offer.

• The incentive provider could be changed but the monetary value of this offer will not change.

• No cash alternative will be offered.

• This promotion is managed by MLP, The Cowshed, Walnut Tree Farm, Lower Stretton, Warrington WA4 4PG on behalf of AIG Life Limited. All communications regarding this incentive will be provided by MLP, you can call them on 01565 656 387.

• Promoter: AIG Life Limited, The AIG Building, 58 Fenchurch Street, London EC3M 4AB.


Argos eGift Cards may be redeemed in full or part payment for goods in-store or online at argos.
co.uk from the Argos range, including current promotional offers, at the prevailing prices listed. eGift Cards
cannot be used for the purchase of other gift cards or vouchers. GBP £ eGift Cards cannot be redeemed
in the ROI. The eGift Card is not a credit, payment or cheque guarantee card, cannot be redeemed for cash
or returned under the Argos 30 Day Guarantee and cannot be sold. This will not affect your statutory rights.
Argos Ltd reserve the right to decline or withdraw the eGift Card at any time. Argos Ltd cannot be held
liable for lost, stolen or damaged eGift cards.


M&S is not a sponsor of this promotion. M&S e-Gift Cards may be used to purchase goods of a higher
price than the amount on the card, on payment of the difference. M&S e-Gift Cards cannot be exchanged for cash or used to
pay for M&S Bank services, products or outstanding card balances, made to measure shirts, personalised
cards or M&S energy or to buy another Gift Card or e-Gift Card. M&S e-Gift Cards can be used in all M&S stores in the UK
and Channel Islands, including outlet, railway, motorway and airport stores but not in BP Connect stores.
M&S e-Gift Cards are valid for 24 months from the last transaction (transactions include balance enquiries). Any remaining
balance will be cancelled on expiry of the validity period. M&S e-Gift Cards cannot be returned or refunded, except in
accordance with your legal rights, for example in the event they are not satisfactory quality. M&S e-Gift Cards should be
treated as cash, M&S will not accept liability if lost, stolen or damaged.


B&Q is not a sponsor of this promotion. B&Q e-Gift Cards can be used in full or part payment for
any products purchased from B&Q stores in the UK (except concessions and cafes in B&Q stores) and also
on diy.com. This e-Gift Card cannot be used for purchases from B&Q call centres, in B&Q stores outside
of the UK, in the ROI or the Channel Islands or exchanged for cash. No change will be given in cash.
Any balance remaining on this e-Gift Card will be shown on the till receipt and can be used in full or part
payment for other products. If this e-Gift Card is lost, stolen or damaged B&Q cannot replace or reimburse
the balance on this e-Gift Card. This e-Gift Card will expire and any remaining balance will be removed
if this Card is not used to make a purchase or balance enquiry during any period of 5 consecutive years.
The full terms and conditions applicable to this e-Gift Card can be obtained at www.diy.com/giftcard. This
e-Gift Card is issued by and remains the property of B&Q plc, B&Q House, Chestnut Avenue, Chandler’s
Ford, Eastleigh, Hampshire SO53 3LE. Company No. 00973387.