Free Parent Life Cover

A year’s free life insurance to help you get started protecting your growing family

Log in to MyAviva to apply Register for MyAviva to apply

Life insurance for your young family

Chubby knees, tiny pink fingernails, gummy smiles, babbling and baby powder... when you welcome a new baby into your life or you’ve got a young toddler, thinking about what their future holds is natural.

Our Free Parent Life Cover is a good first step in making sure they, and the rest of your family, are protected if the unexpected happens. It’s an opportunity to get something in place while you consider your long-term life insurance options, or it’s an extra boost to any protection you already have.


What you get with our Free Parent Life Cover

Our Free Parent Life Cover is a good starting point to protect your family’s future, with an entire year of free life insurance. It offers £15,000 of cover for each parent, for each child, completely free. We won’t even ask for your bank details.

Both you and your partner can take out a separate policy for all your children, from birth or before their fourth birthday. So, you could get life insurance worth £30,000 for each eligible child if both parents apply.

It's free

We won’t charge you a penny – no need to tell us your bank details, and you’ll be covered for a year

£15,000 worth of cover

Each parent can apply for one policy per child worth £15,000. We’ll pay the full amount if you die within the policy term, and the claim's valid

Cover for all your children

Apply from birth or any time before their fourth birthday

It’s quick and easy to sign-up for and if you die during the 12 months of cover, we’ll pay out a lump sum to help your loved ones manage financially.

Each parent can’t have more than one policy per child, and the cover for each child only lasts a year. However, you can take out Free Parent Life Cover alongside any other existing life insurance policy.

Life insurance for the long-term

Free Parent Life Cover is a good start, but it only lasts for 12 months. You should also consider if the money you’d receive is enough for your circumstances.

So your loved ones have a financial parachute, you might want to make life insurance more than just a 12-month thing.

We have two types of life insurance to help provide financial protection to the important people in your life – the Free Parent Life Cover and our Life Insurance Plan.

For as little as £5 a month, our Life Insurance Plan allows you to choose a higher cover amount and will offer your family protection for as long as you choose, so you’ve got long-term protection at a cover level that’s right for your circumstances.

You can take out a Life Insurance Plan in addition to your Free Parent Life Cover.

How our life insurance plans compare

Free Parent Life Cover

  • £15,000 free cover for one year
  • Parents can apply for separate policies for each child under four
  • Provides cover as a starting point to protect your family
  • You can have Free Parent Life Cover and one of our Life Insurance Plans at the same time
  • You need to be aged from 18 to 66

Life Insurance Plan

  • Prices from just £5 per month
  • Includes Aviva DigiCare+ health and wellbeing benefits at no extra cost, helping you enjoy life today. Aviva Digicare+ is powered by Square Health
  • Cover is 5 star rated by Defaqto
  • We paid out 98.6% of life insurance claims in 2019 1
  • You need to be aged from 18 to 77
  • Cover lengths from 1 to 50 years

Deciding how much cover you need

Your life insurance cover amount is how much money we’ll give your loved ones if you die. How much money this needs to be depends on your circumstances.

You should think about how much your family would need for general living costs, and bigger expenses such as paying off a mortgage, keeping up repayments or settling any debts.

You can use our life insurance calculator tool to help you work out what cover amount is right for you and your family.

Life insurance cover calculator

Use our calculator to find out how much cover you might need

Start calculator

Unsure of what you might need and want financial advice?

Speak to your financial adviser. If you don't already have a financial adviser, you can find one at unbiased.co.uk

Find a financial adviser

How much does cover cost?

Free Parent Life Cover gives you £15,000 of cover per policy for one year and costs £0 per month.

Our Life Insurance Plan can start from as little as £5 a month and is fully flexible, which means you can pick the total cover amount and how much you pay per month to suit your needs.

The table below gives an idea of how much cover could cost each month. This is only an example and the cost of life insurance can differ between each person depending on their personal circumstances, health and lifestyle and other factors.

The information in the table is based on these assumptions:

  • Life insurance
  • Level cover
  • 18 year term
  • Non-smoker basis
Age Cover amount £100k Cover amount £150k Cover amount £200k
20 £5.29 p/m £6.15 p/m

£7.05 p/m

25 £5.45 p/m

£6.61 p/m

£7.64 p/m
30

£6.20 p/m

£7.75 p/m

£9.08 p/m

35 £7.42 p/m £9.75 p/m £11.73 p/m

All prices correct as of 8th April 2021.

If you’re not sure you can afford life insurance, there are ways to make life insurance premiums more affordable.

About our Free Parent Life Cover

What we’ll give you

  • £15,000 worth of cover
    And we’ll pay out this lump sum if you pass away within the year
  • Free cover for a year
    There’s nothing to buy, and we won’t ask for bank details
  • Cover for each parent of each child under four years
    Apply from birth or any time before their fourth birthday

When we can’t pay out

  • If you don’t answer all questions honestly
    So make sure you fill in the form accurately and truthfully
  • If you pass away due to alcohol or drug abuse
    Alcohol abuse and non-prescribed drug overdose aren’t covered
  • If you pass away due to suicide
    Intentional injury that’s self-inflicted isn’t covered
  • If you move out of the UK
    We can’t cover you if you move abroad

Are you eligible?

You can apply for this cover if:

  • You're aged 18-66 and a permanent UK resident
  • You have a child under four years old and are named as a parent on their birth certificate, full adoption certificate, special guardianship order, or final residence order
  • You haven’t had cancer treatment, including for leukaemia and lymphoma, in the last 12 months
  • You haven’t taken out this plan for the same child before 

Contact us

Still need help? Give us a call

0800 068 5549

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

Saturday: 9:00am - 2:00pm

Sunday: Closed

For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.