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£100 M&S Gift Card, for new policy holders only, after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card. View full terms and conditions here.

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For a 50-year-old non-smoker with £1,000 of cover

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With British Seniors, you can apply for up to £100,000 if you’re aged 45-74 at start date. You can apply for up to £50,000 if you’re aged 75-80 at start date.