Life insurance

20% discount for existing customers

What is life insurance?

A life insurance policy is an insurance contract. In exchange for regular premiums, the contract offers to pay an agreed lump sum of money if one of the lives covered dies during the term of the policy. With a life insurance policy in place, it could help your loved ones cope financially if the worst happened to you. Most life insurance policies do not have a cash in value at any time.

Aviva’s Life Insurance Plan

Our Life Insurance Plan pays out a lump sum if you die during the term of the policy. It’s important to know that there is no cash-in value. If you stop paying premiums or live to the end of your policy, your cover will end. In this case, you'll get nothing back.

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.

Our policy includes a terminal illness benefit. That means the policy will pay out if you are diagnosed with a terminal illness within the policy term that meets our policy definition and aren’t expected to live for more than 12 months.

Our policy only pays out once, so if we pay a successful claim the policy will end.

Types of cover

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 every year in line with any increase in the Consumer Prices Index (CPI). If your cover increases so will your premium but your premium will increase at a higher percentage rate than your cover amount.  The increase automatically happens on an annual basis. You can choose not to accept the increase if you want your cover and premiums to remain the same. Cover and premiums will remain the same if there is no increase in the CPI.

What is CPI?

The Consumer Prices Index (CPI) is the UK’s main measure of inflation.

The CPI measures hundreds of things we spend money on – and tracks how these prices have changed over time. The inflation rates are expressed as percentages. For example if CPI is 3%, this means that on average, the price of products and services we buy is 3% higher than a year earlier. 

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.

20% existing customer discount

As an existing customer we’ll give you 20% discount on the cost of your cover. You can apply for this discount online or by telephone. If you want to apply online and receive your 20% discount you will need to register or log in with MyAviva first and apply from there.

Register or log in

Please see our existing customer discount terms and conditions below.

The 20% existing customer discount can be used in conjunction with the Life Insurance Plan Amazon Gift Certificate offer.

Life insurance offer 

Online Applications

You will receive a £75 Amazon.co.uk Gift Certificate* after your 5th monthly payment. Please see our offer details below.

If you want to apply online and receive this offer you will need to register or log in with MyAviva first and apply from there.

Register or log in

Telephone Applications

You will receive a £30 Amazon.co.uk Gift Certificate* after your 5th monthly payment.  See below for the offer details.

If you want to apply over the telephone please call our team on 0800 046 2736. Please note our call handlers will be not able to provide you with financial advice.

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.

Why choose us?

  •  Premiums can start from £5 a month.
  • It's easy to get a quote in 2 minutes.
  • Grief counselling included as standard for children affected by loss.
  • Peace of mind - we paid out 99% of life insurance claims in 2014.

.

Terms and conditions

Existing customer 20% discount

  • This offer is available to existing customers who hold another product with Aviva.
  • The discount may change at any time.
  • The discount can't be used in conjunction with any other life sales offer, unless advertised. The discount can be used in conjunction with the Life Insurance Plan Amazon Gift Certificate Offer.
  • The offer may be withdrawn at any time.

Life insurance offer details

Online Applications

 Take out our Defaqto 5 Star rated Life Insurance Plan online and we will send you a £75 Amazon.co.uk Gift Certificate* after your 5th monthly payment.

  • This offer is only available by applying directly online through www.aviva.co.uk. The offer is not available if you apply over the phone, through a price comparison/cash back website, or via third party, eg. financial adviser/broker etc
  • If you have previously cancelled a life insurance plan taken out directly with Aviva within the last 12 months then you will not qualify for this offer.
  • No cash alternative will be provided.
  • This offer is one Gift Certificate per policy sold limited to one per household in a 12 month period and will not be available if the product is purchased with any other gifts or offers.
  • After we've received your 5th monthly payment we'll send you your Gift Certificate. Please allow for delivery time.
  • Aviva reserves the right to withdraw or alter this promotion without prior notice at any time.
  • Aviva staff are not eligible for this offer.
  • Aviva will not issue any vouchers if it suspects the terms of the offer are being abused.

Telephone Applications

Take out our Defaqto 5 Star rated Life Insurance Plan over the phone and we will send you a £30 Amazon.co.uk Gift Certificate* after your 5th monthly payment.

  • This offer is only available by applying directly over the phone. The offer is not available if you apply online, through a price comparison/cash back website, or via third party, eg. financial adviser/broker etc
  • If you have previously cancelled a life insurance plan taken out directly with Aviva within the last 12 months then you will not qualify for this offer.
  • No cash alternative will be provided.
  • This offer is one Gift Certificate per policy sold limited to one per household in a 12 month period and will not be available if the product is purchased with any other gifts or offers.
  • After we've received your 5th monthly payment we'll send you your Gift Certificate. Please allow for delivery time.
  • Aviva reserves the right to withdraw or alter this promotion without prior notice at any time.
  • Aviva staff are not eligible for this offer.
  • Aviva will not issue any vouchers if it suspects the terms of the offer are being abused.

Amazon Gift Certificate Terms and conditions*

Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Certificates ("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 EUS.àr.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.

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