Life insurance

If a loved one with an Aviva life insurance policy has died, you can make a claim by filling out our online claim notification form.

Or you can call us on 0800 015 1142.

Either way, we’ll get the process started and be in touch to explain what happens next and answer any questions. We’ll also keep you updated at every step.

Yes. When you first buy a policy, you have 30 days from the day we tell you your policy will start, or the day you receive your policy documents (whichever is later) to change your mind. If you cancel during this 30 day cooling off period, we'll refund any premiums you've already paid.

You can still cancel your policy if the cooling-off period has finished, but we won’t refund any premiums you’ve already paid.

Remember, your life insurance policy has no cash-in value at any time and cancelling it means you won't be able to make a claim. If you’re thinking of leaving us, we can help you consider your options.

If you decide you do want to cancel, we’ll make it as hassle free as possible. All you need to do is contact us.

Or you can write to Aviva Life, Norwich BCC, PO Box 520, Norwich, NR1 3WG.

How long it takes to receive a payout can vary. But that's one of the things we'll discuss with the person making the claim. We can normally give a good idea of how long things will take based on the particular circumstances of the claim.

Once we have everything we need, and we’ve agreed to settle the claim, we aim to pay it within five working days.

If you'd like to help make sure your loved ones receive any payout quickly, one option is to place your policy into a trust. This is a legal arrangement that allows you to choose who gets the money from any payout and who manages that process. Find out more about an Aviva Trust.

Yes, terminal illness is covered by our Life Insurance Plan.

This means we'll pay out if you're diagnosed with a terminal illness, which meets our policy definition, and you're not expected to live longer than 12 months. You must be diagnosed with the illness during your policy term.

If we pay out for a terminal illness, your life insurance policy will end, and no further claims will be paid.

The main difference is that life insurance is a term policy, so it covers you for a specific amount of time, while over 50 life insurance is a whole of life policy, so it covers you for the rest of your life.

To take out our Over 50 Life Insurance you need to be aged between 50 and 80 and be a UK resident. Your premiums are fixed for life, and you won’t need a medical or health check. You can hold multiple policies but must not exceed the maximum premium limit of £100 across all policies. You can choose a cover amount, or select a premium that you’d like to pay each month to help pay for a funeral, or it can be used for other costs, or to leave a gift to your partner or family. Once you’ve had your policy for 30 years, or from the policy anniversary after your 90th birthday, you’ll no longer pay anything, but your cover will continue. It can’t be taken out as a joint policy.

For our Over 50 Life Insurance policy, we’ll pay the full cover amount for death after the first 12 months, or if you die from an accident during the first 12 months of the policy. If you die within the first 12 months of cover for anything other than an accident, we’ll pay a sum equal to the amount of premiums paid.

With our Life Insurance Plan, you need to be aged between 18 and 77 to apply, and your cover stops at the end of the policy term. You will be asked a few health and lifestyle questions when you apply. You choose a cover amount, and if you want your cover to remain the same, be protected from the effects of inflation, or decrease over time broadly in line with a repayment mortgage or loan. You can take out a single or joint life insurance policy.

If you’re not sure which one might be right for you, speak to a financial adviser.