What is Free Parent Life Cover?
It’s a simple – but important – way to take the first step to help look after your family. When you’re busy taking care of your little ones, it’s easy to lose sight of the big things – like sorting out life cover.
We want to make it as easy as possible for you as the parent of young children to start to help protect your family’s financial future, just in case you’re not around to do that yourself.
How does Free Parent Life Cover work?
It’s completely free – no bank details needed 
You don’t have to be an Aviva customer already. You won’t have to give us your bank details. You can, however, choose whether to buy any other cover with us at any time.
You’ll get £15,000 of cover for each child under four 
Each parent can get separate cover of £15,000 for each child under the age of four. So, if you have two children under the age of four, each parent could get life insurance worth £30,000. You can apply from birth or any time up to the day before their fourth birthday.
Anyone with a child under four can apply 
It doesn’t matter whether your children are newborns or toddlers or a day short of their fourth birthday. Your free cover will last a full 12 months from whenever you take it out and will pay out if you die while you hold the policy.
When we won't pay out 
Please make sure you fill in the form accurately and truthfully. If you don't, we may not pay out a claim. The policy doesn't cover you if you die due to alcohol abuse, drug abuse or suicide. We will no longer cover you if you move out of the UK.
Who can apply for our Free Parent Life Cover?
You need to be able to tick these four boxes to apply for this cover:
- You’re aged 18 to 66, and a permanent UK resident.
- You have a child under four years old, and you’re named as a parent on their:
- birth certificate
- full adoption certificate
- special guardianship order, or
- financial residence order.
- You haven’t had any medical diagnosis or treatment for cancer (including leukaemia and lymphoma) within the last 12 months.
- You haven’t taken out this policy for the same child before.
Cover policy summary
Before you apply for Free Parent Life Cover, please read the Free Parent Life Cover policy summary (PDF 202 KB).
Is this enough life cover for my needs?
That will depend on your personal circumstances. Our Free Parent Life Cover is a quick, simple way to get a little reassurance right away. But it’s definitely worth thinking about the kind of protection you might need when the 12 months are up. Here’s a quick comparison of Free Parent Life Cover with our regular Life Insurance Plan:
Free Parent Life Cover
- £15,000 of free life cover if the insured parent dies within the 12-month term.
- You need to be aged 18 to 66 to take it out.
- Each parent can apply for a separate policy for each child under four.
- You can have Free Parent Life Cover and an Aviva Life Insurance Plan at the same time.
- We’ll only pay out on a successful claim.
Life Insurance Plan
- Pays out a lump sum if you die during the term of the policy.
- Choose cover lasting up to 50 years or until you're 90.
- You need to be aged 18 to 77 to take it out.
- This is not a savings or investment plan. We'll only pay out on a successful claim. If you stop paying your premiums or cancel your policy, the plan will end and you'll get nothing back.
- Premiums start from £5 a month - the higher your cover amount, the more it costs.
- Includes access to Aviva DigiCare+, a third-party health and wellbeing app that gives easy access to a range of benefits, which could help you detect, manage, and prevent physical and mental health problems. This is a non-contractual benefit that we can change or remove at any time. Terms apply.
- Cover is 5 Star rated by Defaqto.
Some people choose to apply for our Life Insurance plan once their Free Parent Life Cover has finished, while others run the two together. Either way, you can take out a Life Insurance Plan from just £5 a month. The premium you’ll pay depends on the type of cover you choose, how much cover you want and for how long, plus your personal circumstances.
How much life insurance will I need?
When you’re thinking about how much life insurance you might need over the longer term, it’s worth considering how much you might need to keep up with or pay off your mortgage, settle any debts, and pay regular bills. Our life insurance calculator can help you do that.
Contact us about Free Parent Life Cover
If you’ve got any questions about taking out a policy, give us a call.
Lines open 8am to 6pm, Monday to Friday. Closed on Saturday and Sunday. We may record or monitor telephone calls.
Learn about life insurance
Having life insurance can help protect the ones you love. In our selection of articles, we share useful insights and information to help you explore your options. Take a look and see how you can protect your family today.
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Free Parent Life Cover FAQs
Do I need life insurance to get Free Parent Life Cover?
No, you don’t need any other Aviva policy to apply for Free Parent Life Cover.
Do I need to have a medical to get Free Parent Life Cover?
No, there’s no medical needed. All we ask is that you answer the online applications questions truthfully and accurately.
Can I cancel my Free Parent Life Cover at any time?
Yes, you can. The cover lasts for 12 months, but you are free to cancel it at any point during that time. You won’t get any money from a cancellation as this will only pay out on a successful claim.
Can I get Free Parent Life Cover if I already have life insurance?
Yes, you can. Your Free Parent Life Cover will sit alongside your regular life insurance policy. If you die during the 12 months of the policy, we will pay the lump sum to your loved ones regardless of any other policy you may have.