A simple, but important, way to help look after your family
When you have a young family, you do so much to look after them. Their day-to-day care takes up a lot of time, but of course it’s time well spent. In the middle of all that, it’s easy to lose sight of some of the big things – like sorting out some life cover. This is an important way to look after them, too.
We want to make it as easy as possible for parents of young families to make a start on protecting their loved ones’ financial future, just in case they weren’t around to look after that themselves.
Free parent life cover – how it works
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It’s completely free
You don’t have to be an Aviva customer already, you won’t have to give us your bank account details, cancel anything later, or buy any other cover with us.
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You’ll get £15,000 of cover – or more
Both parents’ lives can be covered separately – for £15,000 for each child they have under the age of 4. So, for example, if you have two children, you could get life insurance worth £30,000 each. There's no cash-in value at any time.
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As long as you have a child under 4, you can apply
It doesn’t matter whether we’re talking about newborn babies or toddlers a day short of their fourth birthday. Your free cover will last a full 12 months from whenever you take it out and will payout if you die during the term.
Are you eligible for Free Parent Life Cover?
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've not had any medical diagnosis or treatment for cancer, including for leukaemia and lymphoma, within the last 12 months
- You haven’t taken out this policy for the same child before
Do you already have a life insurance policy with us?
- View your policy on MyAviva
- Try the MyAviva app
- Make changes to your policy
- Make a claim
- Help and support
What our Free Parent Life Cover insurance covers
What we’ll give you
When we can’t pay out
Policy documents
Think about the cover you’d need for the long term
The tables below show how your free cover compares to our regular life insurance. Your 12 months’ free cover is a quick, simple way to get a little reassurance right away – but do think about the kind of protection you might need after the 12 months are up.
Free Parent Life Cover 
- £15,000 cover if the insured parent dies within the 12 month term
- Free 12 months cover only
- You need to be aged 18 to 66 to take it out
- Parents can apply for separate policies 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 in the event of a successful claim. There's no cash in value at any time.
Life Insurance Plan 
- Help protect your loved ones' financial future by covering your life
- Starts from only £5 per month – the higher your cover amount, the more it costs
- Choose cover lasting up to 50 years – or until you're 90
- You need to be aged from 18 to 77 to take it out
- Includes access to the Aviva DigiCare+ health and wellbeing app (provided by Square Health) at no extra cost, helping you enjoy life today. Be aware that this isn't part of your cover and we can amend or remove this at any time
- We'll only pay in the event of a successful claim. There's no cash in value at any time.
- Cover is 5 Star rated by Defaqto
Some people choose to switch onto our Life Insurance Plan once their free parent life cover has finished, others run the two together. Either way, you can take out a Plan from just £5 a month. The premium you’ll pay depends on the level of cover you choose and your personal circumstances.
How much cover will I need?
When you are thinking about your longer-term needs, it’s worth considering how much you might need to pay off or keep up a mortgage, settle any debts and pay the bills. This is how our calculator can help you.
Our life insurance library
Browse our guides and articles that focus on the ins and outs of looking after your family once you're gone.
