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Life Insurance built for family finances
Our life insurance starts from just £5 a month and can help give your family the financial support they need if you pass away during the policy term. If you want flexible cover length, simple claims and lump sum pay-outs, we’ve got the life insurance policy for you.
Claims you can count on
We supported over 25,000 families last year
Flexible length of cover
Choose how long you’d like your cover to last, anywhere from 1 to 50 years
Cover choice
Cover that goes up to protect against inflation or an amount that goes down over time
We have a range of other products to help you plan for the future, such as Critical Illness cover, Over 50s Life Insurance and 12 months’ free life cover for parents of children under 4 years old.
Recommended by experts
We're proud that our cover's 5 Star rated by Defaqto - a trusted industry expert.

Transcript
Life Insurance explained
Life is full of the things you love – your family, your home, and the other things that make you happy. But, it can be unpredictable, and we don’t always know what’s around the corner.
Our Life Insurance Plan is one of the ways you can protect what matters most to you. If you’re thinking about getting life cover, there are a couple of things to consider. Do you have a partner, children and a mortgage or other loans? What will your family need in the future?
We offer two types of cover – increasing and decreasing.
With increasing cover, your cover amount and the amount you pay each month can go up every year. This protects your policy against inflation.
Decreasing cover works similarly to a repayment loan with a fixed interest rate. So, the value of your cover decreases gradually but the amount you pay stays the same.
When it comes to how much cover you’ll need, everyone’s different. If you have a mortgage, how much have you got left to pay and how long for? Look at your current income and monthly outgoings – things like childcare costs, household bills and family holidays.
To help you decide how long you want your cover to last, consider how long your children are likely to depend on you financially, or when your partner is planning to retire.
At Aviva, our cover is designed with you in mind. With flexible cover length, simple claims and lump sum pay-outs – we’re here when you need us most.
What our Life Insurance offers
With our Life Insurance Plan, you choose the amount of cover you need based on your lifestyle, circumstances and what you want to protect.
What's covered
- Lump sum payment
You can choose up to £5million worth of cover and we'll pay the full amount after a successful claim.
- Protection if you die
We'll pay a lump sum if you pass away during the policy term – simple as that
- House purchase cover
You'll get free cover for 90 days if you're in the process of buying a house when you take out your policy - Terminal illness
Receive your lump sum payment early if you're diagnosed with a terminal illness that meets our definition and you're not expected to live longer than 12 months. Once payment is made your policy will end and no further claims will be paid
- Flexible length of cover
You can choose the length of cover you need – from short-term to 50 years, or until you're 90 years old
- A separation benefit
If you separate from your partner, we can split your joint policy into single policies
What's not covered
Unfortunately, we can't cover all circumstances, including:
- Not paying your premiums
If your payments stop, so does your cover and the policy has no cash-in value at any time
- Death outside the policy term
You choose how long your policy lasts. Once it's finished, then your cover will stop and we won't pay out if you die - Suicide and self-inflicted injuries in the first year
You won't be covered if you die in the first 12 months of the policy as a result of suicide or intentional, self-inflicted injury
Policy documents for Life Insurance
See a full list of what's covered in our policy wording.
Are you eligible for Life Insurance?
To apply for cover, you'll need to be:
- A permanent resident of the UK (this doesn’t include the Channel Islands, the Isle of Man or Gibraltar)
- Aged between 18 and 89 (but you'll be covered until you're 90 years old)
How much cover will you need?
Life turns out a little differently for everyone – so the amount of cover you need depends on your personal circumstances.
Our cover calculator
Try out our calculator to work out how much protection you might need for the things you love most.

How life cover works over time
You can choose between 2 different types of cover – increasing or decreasing – depending on what you want to protect and how much you're happy to pay each month.
Cover and premiums that increase over time
With increasing cover, the amount of cover and the amount you pay can go up each year. This means the policy holds its value to protect against inflation.
This could be a good option if you’re looking to:
- Cover your salary
- Maintain your loved ones’ living standards
- Help with health and living costs if you become terminally ill
- Pay your children’s school or university fees
- Continue to make mortgage payments
The maximum annual increase is 15% to your premium and 10% to your cover amount 1.
If you don’t want your cover and premiums to go up, you can choose to maintain the same amount of cover and the amount you pay each year.

Cover that decreases over time
With decreasing cover, the value of your cover goes down each month (broadly in line with a repayment loan using a fixed interest rate), but what you pay stays exactly the same for the duration.
The cover amount will eventually finish at £0, just like any debts that you want to pay off – so you won't leave your family with debts if you pass away during the policy term.
This could be a good option if you’re looking to:
- Pay off your mortgage
- Cover any debts or loans that you repay monthly
Your premiums are guaranteed unless you make a change to your policy.

Ready to get cover?
Get Life Insurance on its own or add Critical Illness cover when you apply. You’ll get separate policies, so if you claim on your Critical Illness policy, your Life Insurance policy won’t be affected.
How our Life Insurance helps
Everyone’s circumstances are different, but most people start to think about life cover to help protect their partner or family financially.

Protecting your home and mortgage
Sarah took out life insurance to cover her mortgage when she moved into her first house. She chose our Life Insurance Plan with £300,000 of cover for 25 years to match what she’d borrowed. With our decreasing cover, the amount went down every year – just like her mortgage – and the monthly premium stayed the same .
Thinking about your child's future
When John had a second child, he wanted to make sure his life insurance would cover the new addition to his family. He worked out that he needed an extra £150,000 of life cover, so things like childcare and university fees would be covered if he died. Plus, with our increasing cover, the cover amount went up each year .

Looking for more cover?
We have a range of options to help you protect your family's future. There is no cash-in value at any time.
Critical Illness cover
Our Critical Illness Plan pays out a lump sum if you or your child are diagnosed with or have surgery for 1 of the 54 critical illnesses covered by our plan.
Age: 18-64
Cover: Up to £1,000,000
Payment: If you become critically ill and live for 10 days after diagnosis
Over 50s Life Insurance
Affordable over 50s cover that lasts a lifetime.
Age: 50-80
Cover: £257 to £32,054 (subject to age and premium)
Payment: When you pass away
Free Parent Life Cover
A year’s worth of life cover for parents of children under 4. Absolutely free.
Age: 18-66 with a child under 4
Cover: £15,000
Payment: If you pass away
Take care of your loved ones with an Aviva Trust
Our Trusts give you more control over who your money goes to once you're gone and will usually be exempt from Inheritance Tax 2
Life articles
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What happens to debt when someone dies?
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22 Mar 2018
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19 Mar 2018
What is critical illness cover?
Critical Illness Cover pays out a lump sum to help cover costs should you fall ill. Find out how it could benefit you and your loved ones.
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14 Mar 2018
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See our top tips to help you protect your family's finances if you choose not to marry.
Finances for couples
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