Over 50s life insurance - Guaranteed Lifelong Protection

It's quick and simple to apply

Apply online for £30 M&S vouchers

Get a quote

The life insurance plan for anyone aged 50 to 80 inclusive, which guarantees to pay your loved ones a cash sum when you die

  • Guaranteed acceptance – if you’re aged 50 to 80 years inclusive, a UK resident and have not exceeded the premium limit.
  • Premiums are guaranteed never to rise – you choose the monthly premium from between £7 and £50 per month or decide on the amount you’d like to leave behind, within our premium payment limits.
  • No medical or health checks required – you can get cover that starts today.
  • Multiple plans – as long as your monthly premium is not more than £100 in total for all your plans. Any plans issued before 25 January 2010 are not taken into account when applying this limit.
  • The plan has no cash-in value. If you stop paying your premiums before the end of the payment term, your life cover will end 30 days after the last premium was due and you’ll get nothing back.

How does our plan work?

Unlike some other over 50s life insurance plans, our plan will pay out the full sum assured if you die after the plan has been in force for just 12 months. And, if you were to die as a result of an accident after the first 12 months, we’ll pay double the sum assured amount.

How much we’ll pay out and when

If you die from: We’ll pay:
An accident within the first year The life insurance amount
An accident on, or after, the first anniversary Double the life insurance amount
Other causes within the first year An amount equal to the premiums you've paid
Other causes on, or after, the first anniversary The life insurance amount

You can read more about the benefits and risks of the plan in the Key Features (PDF 96KB). You can see our range of premiums as well as the cash values these will give you in our Premium rates table(PDF 146KB). Find a number of frequently asked questions answered in our Customer brochure.(PDF 1240KB)

Depending on your circumstances, the cash sum paid out could be less than the total amount you’ve paid in premiums and the value of the lump sum will be reduced by inflation. You’ll either pay for 30 years or until the plan anniversary after your 90th birthday, whichever comes first.

If you have any questions call our UK based team on 0808 149 6126.

Lines open: Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 4pm.

Telephone calls may be recorded and/or monitored for our joint protection. Calls are free from a BT landline. Costs may vary from mobiles and other networks.

Choose a name you can trust

Aviva is the largest provider of life, pensions, and long-term financial services in the UK, and serves around 34 million customers worldwide.

When you choose a life insurance plan with Aviva, you can be sure that our expert staff will help you every step of the way. They’ll be able to answer your questions and help you to complete your application.

Complete an online quote form and Aviva will donate £1 to help vulnerable children in the UK

For every complete online quote submitted Aviva will donate £1 to Railway Children*, a charity we are supporting in the UK as part of our Street to School programme. Railway Children helps to get vulnerable children living on UK streets back into everyday life. For more information, visit www.aviva-street-to-school.co.uk

*Only one submission per customer. Aviva will donate £1 for every complete online quote submitted up to a maximum of £20,000. Railway Children is a registered charity. Registered charity no. 1058991

*Terms and Conditions

This offer is only available by applying directly online, not over the phone or through comparison or cash back websites. If you have previously cancelled an insurance plan provided by Aviva then you will not qualify for this offer. One voucher per policy per person in a 12 month period. No cash alternative. The offer will not be available if the product is purchased with any other gifts or offers. Aviva staff are not eligible for this offer. Aviva reserves the right to withdraw or alter this promotion without prior notice at any time. After we’ve received your 4th monthly payment, we’ll send you your vouchers. Please allow for delivery time. Customers paying monthly premiums will not be eligible for vouchers if a monthly payment is missed during this time. Aviva will cancel any plans or vouchers if it suspects the terms of the offer are being abused.

Back to top