Life Insurance

Please note you cannot purchase critical illness cover from Aviva online, but you can call our team of advisers who will discuss what type of cover might be right for you.

It's easy to think "it won't happen to me", but if the worst should happen, our life and critical Illness cover could help provide financial security at an emotional and difficult time. Whether it helps pay off your mortgage, funds a relaxing holiday to recover from treatment, or just help you cope with the bills and expenses, the lump sum pay-out from critical illness cover could relieve worries and let you concentrate on getting better.

How it works

Life and critical Illness cover pays out a lump sum if you either die, or are diagnosed with a critical illness that meets our policy definition and then survive for at least 14 days.

We only cover the critical illnesses we define in our policy and no others. Cover is available on over 30 conditions; we recommend you read the full detail of what conditions we cover and the restrictions that may apply in our Guide to Critical Illness Cover (PDF 367KB).

Critical illness cover is only available from Aviva when combined with the life cover from either a Term Assurance (PDF 120KB) or Mortgage Life Insurance policy (PDF 130KB), we recommend you read our Key Features document for each policy.

Life and critical illness cover has no cash in value at any time, and if you stop paying your premiums your policy will end.

What is Term Assurance?

• Term Assurance is an insurance plan that runs for a fixed period of time and pays out a lump sum if you die during the plan term
• When you take out a plan you will specify the amount of cover you want and the length of time you want to be covered for. The amount of cover will remain the same throughout the duration of your plan
• The plan will pay out if you are diagnosed as suffering from a terminal illness before the last 18 months of your plan term and have less than 12 months to live. If the plan pays out in these circumstances it will end and there will be no further pay-out on death
• For an additional premium you can include critical illness cover in your plan. If the plan pays out for a critical illness claim then it will end and there will be no further pay-out on death
• This is not an investment product and has no cash-in value at any time

Please note Term Assurance cannot be purchased online; please contact one of our advisers

What is Mortgage Life Insurance?

• Mortgage Life Insurance runs for a fixed period of time and pays out a lump sum if you die during the plan term
• When you take out a plan you will specify the amount of cover you want and the length of time you want to be covered for, usually the term of your mortgage
• The amount of cover decreases over the term of the plan , broadly in line with the outstanding balance of your repayment mortgage
• The plan will pay out if you are diagnosed as suffering from a terminal illness before the last 18 months of your plan term and have less than 12 months to live. If the plan pays out in these circumstances it will end and there will be no further pay-out on death
• For an additional premium you can include critical illness cover in your plan. If the plan pays out for a critical illness claim then it will end and there will be no further pay-out on death
• This is not an investment product and has no cash-in value at any time

Please note Mortgage Life Insurance cannot be purchased online, please contact one of our advisers.

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Please note that we can only advise on our own products. Lines are open Monday to Friday 8am - 9pm, Saturday 9am - 5pm and Sunday 10am - 4pm Calls are free from a BT landline. Costs may vary from mobiles and other networks. Calls may be recorded and monitored for our joint protection.