Life insurance and critical illness

Life Insurance Plan and Critical Illness Plan

Aviva’s Life Insurance Plan and Critical Illness Plan

We offer life insurance and critical illness cover as two separate products, our Life Insurance Plan and Critical Illness Plan. You can apply for both products at the same time and we’ll provide you with two separate insurance policies.

If both products are purchased and there’s a claim made on a Critical Illness Plan, this won’t affect the Life Insurance Plan in any way.

The amount of cover can vary. You don’t have to choose the same level of cover for each policy. The amount of cover you choose is completely up to you. Please note maximum limits do apply.

Life Insurance Plan

  • Our Life Insurance Plan pays out a lump sum if you die during the term of the policy.
  • It will also pay out if you are diagnosed with a terminal illness that meets our policy definition at any time during the policy term and are not expected to live for more than 12 months.
  • The policy only pays out once. After a successful claim for death or terminal illness the policy will end.
  • This policy has no cash-in value at anytime.
  • If you stop paying your premiums then your cover will end.
  • 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, increasing or decreasing. You can find out more about the types of cover we offer below.

You’ll find more details about the features, benefits and risks associated with our Life Insurance Plan here:

Find out more

Critical Illness Plan

  • Our Critical Illness Plan pays out if you’re 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.
  • This policy has no cash in value at anytime.
  • This policy does not pay out on death.
  • The policy will only pay out the full cover amount once. After a successful claim for critical illness, the policy will end.
  • If you stop paying your premiums then your cover will end.
  • 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, increasing or decreasing. You can find out more about the types of cover we offer below.

Please make sure you understand what’s covered, what’s not, and the restrictions in our Guide to critical illness cover (PDF 367KB). There is important information in this guide so please take the time to read this. You may find this difficult to read if you are on a mobile device so please switch to a larger screen to read this information.

You’ll find more details about the features, benefits and risks associated with our Critical Illness Plan here:

Find out more

Types of cover

Both our Life Insurance Plan and Critical Illness Plan have two different types of cover to choose from.

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 will increase each year in line with any increase in the Consumer Prices Index (CPI). If your cover increases, so will your premium.

To understand how these different increases work please click on find out more.

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

It's easy to apply for our Life Insurance Plan and Critical Illness Plan online

Get a quote

OR

Call us

For more information, a quote, or a helping hand with your application, just give us a call. Please note our call handlers will be not able to provide you with financial advice.

Call us on 0800 206 2052. 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 life insurance or critical illness, we will email you a £30 Amazon.co.uk Gift card claim code* for each product once we have received your 5th monthly payment. If you buy both products, you will receive two Gift card claim codes.

Life offer details

Critical illness offer details

Online Applications

If you apply online for life insurance or critical illness, we will email you a £75 Amazon.co.uk Gift card claim code* for each product once we have received your 5th monthly payment. If you buy both products, you will receive two Gift card claim codes.

Life offer details

Critical illness offer details

Amazon Gift Card Terms and conditions

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

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