Free wills and estate planning review terms and conditions

Get a free wills and estate planning review when you buy any Life Insurance or Over 50 Life Insurance from Co-op. This offer is only available to people living in England and Wales. It does not apply if you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man.

Promoter

This offer is run by Co-op Insurance, which is a trading name of Co-op Insurance Services Limited. Co-op Insurance Services Limited is registered in England and Wales (company number 4390). The registered office is 1 Angel Square, Manchester, M60 0AG. It’s authorised and regulated by the Financial Conduct Authority (register number 779364).

  • The invitation to take part in this promotion is managed by The Marketing Lounge Partnership Limited (MLP). MLP is registered in England and Wales (company number 06467245). The registered office is The Cow Shed, Walnut Tree Farm, Lower Stretton, Cheshire, WA4 4PG.
  • Co-op Estate Planning will carry out the review on behalf of Co-op Legal Services. Co-op Estate Planning is a trading name of Dovedon Limited, registered office: 1 Angel Square, Manchester M60 0AG. Co-op Estate Planning is not authorised or regulated by the Solicitors Regulation Authority, as it is not a requirement for the services that it offers.
  • Co-op Legal Services is a trading name of Co-operative Legal Services Limited which is authorised and regulated by the Solicitors Regulation Authority (SRA) under registration number 567391. Registered office: 1 Angel Square, Manchester M60 0AG.

Opening and closing date

This promotion starts on 3 November 2025 and will run until further notice.

The offer

The free wills and estate planning review looks at your circumstances and goals for your will, estate, and later life planning.

An estate planning specialist will share helpful hints, tips, and things to consider. If they suggest any products or services, they will give you a fixed price so you can decide whether to go ahead. If you choose to proceed, you’ll need to pay for those products or services. Co-op Estate Planning carries out the review and may introduce you to Co-op Legal Services if legal documents need to be prepared.

Co-op Estate Planning and Co-op Legal Services is not responsible for:

  • mistakes in documents made by another company
  • issues caused if you do not share all relevant documents during the review

Services provided by Co-op Legal Services benefit from additional protections including the Legal Ombudsman service to address any complaint you may have about the legal services, compulsory professional indemnity insurance, and cover from the SRA Compensation Fund in respect of those services. By contrast, you will not be entitled to benefit from these protections in relation to services provided by Co-op Estate Planning.

Who can get this offer

This offer is for new customers who buy a Life Insurance or Over 50 Life Insurance policy from Co-op. This includes policies bought through comparison or cashback websites.

  • You must live in England or Wales to get the offer. It also depends on a suitability check.
  • You can only get one free wills and estate planning review per policy.

Who cannot get this offer

This offer is only available in England and Wales, where Co-op Legal Services are regulated. It’s not available if you live in Scotland, Northern Ireland, the Channel Islands or the Isle of Man. There is no cash or other alternative.

How to redeem

If you are eligible, you will receive a ‘How to claim’ email within 28 days of your policy starting.

The email will include a link to a website run by Co-op Legal Services. From there, you can book your free wills and estate planning review. The review will take place by video, telephone, or home visit (subject to geographical restrictions).

You can use the offer within 12 months of your policy start date.

Additional terms

If there’s a problem with getting your offer, you must tell us within 12 months of your policy start date. If you don’t contact us in that time, we may choose not to honour the offer.

This offer does not change the terms of your Life Insurance or Over 50 Life Insurance policy.

All policies are subject to usual checks, including our standard terms and underwriting rules.

If we believe the offer has been misused or abused, we may cancel the promotion and your insurance policy.

The invitation to take part in the offer will be managed by MLP, on behalf of Co-op Insurance. To arrange your offer, Co-op Insurance will need to share some of your personal information with MLP. MLP will act as the Data Processor, as set out in the UK General Data Protection Regulation. By accepting the offer, you agree to this.

Our decisions

If there’s a disagreement about any part of the promotion, including whether someone is eligible, Co-op Insurance will make the final decision. That decision is final and we won’t enter into further discussion about it.

We may cancel or change the promotion if something happens that’s outside our control. We’re not responsible for any actions or mistakes made by others involved in the promotion.

Questions

If you have any questions about the offer, please contact us here.

Changes or cancellation

We may change or withdraw this offer at any time, without telling you in advance. This could happen if something unexpected happens.

Changes to these terms

We may update these terms and conditions. The latest version will be at coop.co.uk/insurance/about-us/our-promotions/free-wills-and-estate-planning-review. It’s up to you to check for updates.

If any part of these terms is found to be invalid or can’t be enforced, the rest will still apply.

The law

This promotion is run under the laws of England. Any legal matters will be handled by the English courts.