Questions & answers

How Boomerang works.

Shop the brands you already use, pay less than face value, and put the difference toward protecting your family — only if and when you want to.

What is Boomerang?

Boomerang turns everyday shopping into savings. You buy gift cards for brands you already shop at, pay less than face value, and the difference is recorded as savings in your account. When you're ready, those savings can go toward life insurance for your family.

Does Boomerang cost anything?

No. Joining is free and there is no membership fee. You only pay for the gift cards you choose to buy, always at a discount to face value.

How much do I actually save?

Every gift card shows its member rate — the percentage you get back. Rates start at 4% and run up to 19% depending on the brand. Buy a $100 card at 6% back and you pay $94; the $6 is your savings.

Which brands can I shop?

400+ US brands across shopping, fashion, dining, travel, entertainment, home, family and electronics. You can browse and search the full list in the Shop, and new brands are added as they become available.

How fast do I get my gift card?

Usually within a minute or two of your payment being confirmed. The card appears in your Wallet with its code, PIN where the brand uses one, and a claim link, and we email you as soon as it's ready.

How do I use a gift card?

Open the card in your Wallet and enter the code at checkout on the brand's site, or add it to the brand's app or account. Some brands provide a claim link that loads the balance directly into your account with them.

Do the gift cards expire?

Card terms are set by each brand and shown on the brand page before you buy. Most major-brand cards don't expire, but it's worth checking the terms for that brand.

Where do I see my savings?

Your Savings page shows a running total plus a line-by-line ledger of every purchase and what it added. The bar at the top of the app tracks your progress toward covering a policy.

Do I have to buy life insurance?

Never. You can shop and save with Boomerang indefinitely without buying insurance. Coverage is there when you want it, not a condition of anything.

How does life insurance work with Boomerang?

When you're ready, you send a quote request from the app and a licensed agent follows up with real options — we don't generate instant quotes ourselves. Term life can start as low as $20 a month for some applicants, and your savings can be applied toward the premium. Actual eligibility, premium and coverage depend on a completed application and carrier underwriting.

Is a purchase or a credit check required to join?

No. Creating an account is free, takes about a minute, and doesn't involve a credit check or any purchase.

Something went wrong with an order — what do I do?

Open Support in the app and send us a ticket with the brand, amount and date. If a card hasn't arrived and can't be delivered, we refund you in full.