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 4.6 / 5 from 59 customer reviews

Rating breakdown

59 reviews

  • 5 stars awarded by 43 reviewers
  • 4 stars awarded by 11 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 59 reviews

Sapper gave this product an overall rating of 5 / 5

First class staff take their time in explaining every thing we wanted to know

Just right for me we like to buy every year just to keep topped up very easy to apply for easy to under stand, can only say would recommed to famly and freinds

I would recommend Aviva to a friend

By:
Gender:
Female
Age:
65 or over
Policy features and benefits
5 / 5
Customer experience
5 / 5
Ease of purchase
5 / 5

Equus1964 gave this product an overall rating of 4 / 5

Over 50s plan

Originally applied by online service which seemed smooth less. However, the application never got submitted and we had to chase it up which was disappointing. The customer service received when contacting the company by telephone was very good though and the problem was rectified. Would still be happy to recommend.

I would recommend Aviva to a friend

By:
Gender:
Male
Age:
45 to 54
Policy features and benefits
4 / 5
Value for money
4 / 5
Customer experience
2 / 5
Ease of purchase
1 / 5

apache gave this product an overall rating of 5 / 5

i like Aviva

I have my house and building ins and also my car hope to stay with them if they do not get greed

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

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