There is no mention of the insurance included with the referral bonus ship this year, traditionally this has always been a LTI vehicle.
Nothing on the referral bonus main page nor on the ship’s hangar entry
Lunar New Year 2024 Referral Bonus – Roberts Space Industries | Follow the development of Star Citizen and Squadron 42
The Drake Dragonfly included with this referral promotion includes LTI, and is non-meltable and non-giftable. Hope that helps!