Life insurance

Grief counselling included as standard for children affected by loss

£75 Amazon gift certificate after 5th monthly payment

What is life insurance?

A life insurance policy is an insurance contract. In exchange for regular premiums, the contract offers to pay an agreed lump sum of money if one of the lives covered dies during the term of the policy. With a life insurance policy in place, it could help your loved ones cope financially if the worst happened to you. Most life insurance policies do not have a cash in value at any time. Find out more

Aviva's Life Insurance Plan

Our 5 Star rated Aviva Life Insurance Plan is a simple, affordable way to help your family cope financially if something happens to you. Choose us because...

  • Through Grief Encounter, our cover offers support to children affected by loss. See a short video.
  • It's easy to get a quote in 2 minutes
  • Peace of mind - we paid out 99% of life insurance claims in 2014
  • MyAviva - view many of your Aviva policies online in one place

Our Life Insurance Plan pays out a lump sum if you die during the term of the policy. It’s important to know that there is no cash-in value. If you stop paying premiums or live to the end of your policy, your cover will end. In this case, you'll get nothing back.

The amount of cover can increase or decrease over the policy term, it's up to you to choose which type of cover you’d like.

Our policy includes a terminal illness benefit. That means the policy will pay out if you are diagnosed with a terminal illness within the policy term that meets our policy definition and aren’t expected to live for more than 12 months.

Our policy only pays out once, so if we pay a successful claim the policy will end.

Types of cover

Increasing cover

Help to protect your family

As time goes by, it’s expected that the cost of living will go up. By choosing increasing cover you can help protect against the future effects of inflation.

Your cover and premiums will increase every year in line with the Consumer Prices Index (CPI). The increase automatically happens on an annual basis. You can choose not to accept the increase if you want your cover and premiums to remain the same. Cover and premiums will remain the same if there is no increase in the CPI.

Find out more

Decreasing cover

Help to protect your mortgage

The cover amount decreases each month broadly in line with a repayment loan, such as a mortgage, using a fixed interest rate. The premiums are calculated when you take out the policy and remain the same over the length of the policy term.

Find out more

Critical illness

Aviva also offers critical illness cover.  Our Critical Illness Plan pays out if you are diagnosed with a critical illness that meets our policy definition during the term of the policy and survive for at least 10 days. We only cover the critical illnesses we define in our policy and no others. The policy does not have a cash-in value and does not pay out on death.

You can buy our Critical Illness Plan on it’s own or with our Life Insurance Plan.

Critical Illness Plan

Find out more

Life Insurance Plan & Critical Illness Plan

Find out more

It's up to you to decide which policy is right for your circumstances. However to help you decide compare our policies and see how Aviva's life cover and critical illness cover products may be able to provide some financial security for you and your loved ones.

It’s easy to apply for life insurance online

Get a quote


Call us

Watch our short video to find out what you need to consider before you call

Video transcript

For lots of us, life insurance is an important way of helping protect the things we love and value. So before you give us a call to discuss it, just ask yourself 3 simple questions.

Question 1 – What do I need to protect?

You may have a partner, or children, a mortgage, or other outstanding loans, or a combination of all of these.

Question 2 – How much cover do I need?

If you have a mortgage how much is outstanding? And if you weren’t there to provide for your family, how much would they need to maintain their lifestyle? Take into account your income and outgoings, such as your mortgage and utility bills, childcare costs and perhaps the odd holiday. You’ll be surprised how it all adds up.

And finally question 3 – How long do I need life cover for?

Think about how long is left on your mortgage, how long your children will be financially dependent on you, and how old your partner will be when they are likely to retire.

That’s it, all pretty simple stuff

What do I need to protect?

How much life cover do I need?

And how long do I need it for?

And now you’re ready to get a quote, which is easy too.

Just call our team on 0800 0925367

0800 068 5549

Whether you'd like information or a quote, just give us a call. Please note our call handlers will be not able to provide you with financial advice.

Lines are open Monday to Friday 8am – 8pm, Saturday 9am – 5pm and Sunday 10am – 4pm. Calls may be recorded and monitored for our joint protection.

Telephone applications

Please note if you apply over the phone for our Life Insurance Plan you will receive a £30 Gift Certificate* after your 5th payment. Offer details.

Online applications

If you apply directly online for our Life Insurance Plan you will receive a £75 Gift Certificate* after your 5th payment. Offer details.

Amazon Gift Certificate Terms and conditions

* is not a sponsor of this promotion. Gift Certificates ("GCs") may be redeemed on the website towards the purchase of eligible products listed in our online catalogue and sold by or any other seller selling through GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. is not responsible if a GC is lost, stolen, destroyed or used without permission. See for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of, Inc. or its affiliates.

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