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Terms and conditions

We’ll usually send your welcome gift within 28 days of receiving your first premium. We reserve the right to wait until we’ve received premiums worth at least as much as your gift. In some cases, we may need to send you a different gift of equal value and quality.

If you choose the cash back option, we’ll return three months’ premiums to you, after we’ve received six premiums. If you die when you’ve already paid six months premiums, but we haven’t yet sent you the cash back, we’ll pay it to your estate.