MM awards 2023 - Best protection provider - Winner

Our life cover

From life insurance to income protection insurance, our life cover products are all designed to help you protect you and your family.

  • We paid out more than £1.1 billion across our protection products in 2023
  • We’ve been protecting people like you for more than 325 years
  • Money Marketing’s Best Protection Provider in 2023

Life cover options

Over 50 life insurance

Purchase over 50 life insurance by 28th June and receive a £120 gift card after your 6th monthly payment. Offer T&Cs apply.

Life insurance

Leave a lump sum for your loved ones when you're gone, if you pass away within the policy term

Critical illness cover

Get a lump sum payout if you're diagnosed with a critical illness, covered by the policy, within the policy term, so you can worry less about your finances and focus on your health.

Income protection insurance

Our income protection insurance provides a monthly payment which could help replace your income if you can't work because you're ill or injured.

Free Parent Life Cover

Get started protecting your growing family with an entire year of free life insurance, for parents of under-fours.

How our protection products compare

Life insurance *

* Available as level or decreasing cover

Medical underwriting required

Yes – we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.

Guaranteed acceptance

No

Terminal illness

Yes

Protected against inflation

Optional 

Joint policy option

Available

Cover amount

Lump sum up to £5m on death of the life covered

Term length

From 1 to 50 years or until you are 90 years old

Also known as

Mortgage protection, family protection, life assurance, life cover, term assurance.
Learn more about the differences

Over 50s Life Insurance

Medical underwriting required

No

Terminal illness cover

No

Guaranteed acceptance

Yes

Protected against inflation

No

Joint policy option

Not available

Cover amount

You can pay between £5 and £100 per month. Cover amount depends on your individual circumstances.

Term length

Whole of life

Also known as

50+, whole of life

Critical Illness cover

Medical underwriting required

Yes - we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.

Terminal illness cover

No

Guaranteed acceptance

No

Protected against inflation

Optional 

Joint policy option

Available

Cover amount

Lump sum up to £1m on diagnosis of specified critical illnesses

Term length

From 5 to 50 years

Also known as

Critical illness insurance, CIC

Income protection

Medical underwriting required

Yes – we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.

Terminal illness cover

No

Guaranteed acceptance

No

Protected against inflation

No

Joint policy option

Not available

Cover amount

From £500 to £1,500 a month. Pays out a regular income when you're unable to work due to illness or injury

Term length

5-52 years, or until you're 71 years old

Also known as

IPI (Income Protection Insurance), Living costs protection

Meet Rachel, one of our Direct Protection Sales experts

Her role, along with many others is to help you to protect what's most important to you.

We'll chat with you to help understand your needs and then guide you through the cover options we offer that could work for you. All helping you to make an informed decision.

It starts with a short, no obligation chat, and ends with you knowing your next steps.

  1. Get an initial quote online or request a free chat with one of our experts. You won't need to make a decision there and then.
  2. Once you've made a decision on what's right for you, our team will happily help you with your application and get you protected.

Still need help? Give us a call

0800 015 9864

Monday to Friday: 8:00am 6:00pm

Saturday and Sunday Closed

For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.

Woman working in Aviva office

View and manage your policies

Depending on the type of policy you have, you can look at your documents, update your personal details and view your cover – all in one place on the go.

New to life cover?

Our life insurance glossary explains some of the key terms.

Protection articles and guides