Over 50s life insurance - Guaranteed Lifelong Protection

Guaranteed cover from £7 per month

£50 M&S vouchers after 4th monthly payment

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Over 50s life insurance Rated 5 Stars for quality of cover by Defaqto

  • 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.
  • Guaranteed cash lump sum paid out to your loved ones when you die.
  • Our Defaqto 5 Star Rating shows you what independent experts think about our cover.
  • 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 0800 056 2807.

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 31 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.

Customer reviews

Overall rating

This product has been awarded an overall rating of 4.5 / 5 from 44 customer reviews

Rating breakdown

44 reviews

  • 5 stars awarded by 32 reviewers
  • 4 stars awarded by 7 reviewers
  • 3 stars awarded by 3 reviewers
  • 2 stars awarded by 1 reviewers
  • 1 stars awarded by 1 reviewers

These reviews have been provided by customers who’ve bought an over 50s life insurance policy from us.

About ratings and reviews

We recognise that consumers are increasingly seeking feedback and reassurance from other customers when purchasing products and services online. This is why we invite our life insurance customers to leave a review after buying a policy from us and after having a claim paid. In addition to aiming to help you make better decisions about your insurance, we use these reviews to improve our products and services.

Customer reviews consist of an overall rating out of 5 and provide feedback on the experience of buying a policy from us. Customers also have the option to provide a rating out of 5 on value for money, ease of purchase, policy features and benefits and customer experience.

We hope these reviews will help you in your search for life insurance.

Our 3 most recent reviews

Read all 44 reviews

Mick gave this product an overall rating of 5 / 5

Very easy to deal with

I have all my other policy's with aviva As it is a well known company

I would recommend Aviva to a friend

By:
Gender:
Male
Age:
65 or over
Policy features and benefits
5 / 5
Value for money
5 / 5
Customer experience
5 / 5
Ease of purchase
5 / 5

Cassandra gave this product an overall rating of 1 / 5

Watch for these resolvable very negative problems

1: Aviva ask for "First Name" - I have two which appear on my Birth Certificate and will appear on my Death Certificate - so why don't Aviva ask for "First Name(S)" - and avoid any ambiguity which might arise - a simple software amendment. 2: It took 5 phone calls to have that amendment to my Full Name carried out - very very poor. 3: You are given a "Reference Number" on application - however front line Aviva staff were not able to trace that "Reference Number" - thus the 5 phone calls - eventually after the last call - it was found on what they called the "Back" System - was it there all the time? 4: Due to the problems(phonecall4) - one Aviva staff member said he would log it as a "Complaint" - however although the FCA lay down strict procedures for "Complaints" - Aviva appear to have ignored the "Complaint" entirely - thus this negative review. Aviva - come on - you should be better than this!

I would recommend Aviva to a friend

By:
Gender:
Male
Age:
65 or over
Policy features and benefits
5 / 5
Value for money
4 / 5
Customer experience
1 / 5
Ease of purchase
1 / 5

Thank you for taking the time to provide feedback around the purchase of your Life insurance policy. Please accept my apologies for the issues you've encountered. Things should have run a lot smoother and what you've outlined isn't the usual high standards of service we provide. In terms of the complaint you have raised, I'll refer to our Life team and Customer Care team for them to pick things up and get in touch with you to discuss your complaint. Many thanks

Marv, Aviva Online Team

buckers1 gave this product an overall rating of 5 / 5

All done in minutes

I had put off the purchase of life insurance for too long-why I don't know. Aviva's service all done over the phone was first class-pleasure doing business with them again!!

I would recommend Aviva to a friend

By:
Gender:
Male
Age:
55 to 64
Policy features and benefits
4 / 5
Value for money
5 / 5
Customer experience
5 / 5
Ease of purchase
5 / 5

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