Life insurance

Manage your life cover policy

How to make changes, and other information you might need

Your questions answered

If you have a life cover policy with us, you’re in the right place. This is where you’ll find how to update your details, make changes to your cover, and how to get in touch – along with answers to other questions you might have.
 

1. Your policy information

2. Your personal details

3. Your payments

4. Change or review your cover

5. Health and lifestyle changes

6. Cancelling your policy 

7. How to get in touch

1. Your policy information

How can I find out more about my policy?

If you’d like to know more about your policy, you can go to MyAviva and register or log in. This is where you’ll find:

  • policy information, including terms and conditions
  • policy documents
  • payment details, including amounts and collection dates
  • cover amount and term
  • policy start and end date.

If you can’t find what you need in MyAviva – which can depend on things like when you took your policy out, or if it’s in a Trust – you can call us or email us.


When's my policy due to finish, and what happens when it ends?

You can find the policy end date by logging in to MyAviva. When the policy ends, your cover stops, and we won’t collect any more premiums.

2. Your personal details

Some of my personal details have changed. How do I let you know?

If you’d like to change your home address, email address or phone number, you may be able to make that update in MyAviva. If not – maybe because you have a few policies with us, it’s a joint policy, or it’s in a Trust – call us or email us, and we’ll make that change for you.

Protecting your personal details is important to us. Here’s how we use your information.

3. Your payments

How can I change my payments?

If you’d like to change your payment date or details, or pay a missed payment, just get in touch with us.


What if I'm struggling to pay my premiums?

If you’re facing money problems because of coronavirus, you may be able to take a break on payments and make them up later. This is called a payment deferral, and you’ll keep all your policy benefits and have the same level of cover during this time.

Here’s how you can ask to defer your payments


Can I reduce my premium amount?

You may be able to reduce the premium you pay, but it depends on the type of cover you have. The best next step is to talk to your financial adviser, or you can contact us to consider your options. 

4. Change or review your cover

When should I review my cover?

You’ll want your cover to be in step with any life changes that affect your finances. That could mean making changes to your existing policy, or buying more cover after an important life event.

Here are the types of changes you might want your cover to reflect:

  • moving home and having a bigger, or much smaller, mortgage
  • getting married or forming a civil partnership
  • becoming a parent, or having more children
  • getting a salary increase
  • getting divorced or dissolving a civil partnership.

Some of our policies let you make changes without having to take out a new policy. You may be able to:

  • increase or decrease your cover amount
  • increase or decrease how long your cover lasts
  • remove someone from the policy.

Should I get financial advice before changing my cover?

You don’t have to, but we recommend you do. A financial adviser can help you decide what’s right for you – whether you’re thinking of changing a policy you already have, or buying another type of cover.

Here’s why it’s worth talking your needs over with an independent financial expert:

  • They’ll take a deep dive into your personal circumstances and finances before recommending a type of policy that suits you and your family.
  • If you’re not sure about things like cover amount and how long to have the policy for, they’ll make suggestions based on what you might need over time.
  • They’ll look at policies from a number of insurers and tell you how they compare when it comes to things like claims payouts and policy benefits.

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

Your financial adviser will talk you through what their charges are up front.

If you’d like to change your cover without financial advice, or if you’ve already talked to an adviser, contact us.

How to increase your cover

Before you buy an additional policy, or ask us to make changes to the policy you already have, you may want to get financial advice. Otherwise, you can call us or get a quote online.

5. Health and lifestyle changes

Do I need to let you know if my health changes?

If you have a life insurance or critical illness cover policy, you don’t need to let us know about any changes to your health after your policy’s started.

As long as you answered the application questions truthfully and correctly when you bought the policy, and told us about any changes that happened before the policy start date, that’s all we need to know. 


I've changed how much I smoke. Will this affect my policy?

Usually, if you've stopped or started smoking since you took out your policy, you don’t need to tell us about it, as it won’t affect your policy, or what you pay. That’s provided you answered the application questions accurately when you first took the policy out. But you should still check your policy conditions, as they’ll mention if it’s something your particular policy requires.

6. Cancelling your policy

Can I cancel my policy?

If you’d like to cancel your policy, contact us and we’ll do that for you. We can also talk you through other options, if that’s something you’re interested in.


My policy’s been cancelled. Can I restart it?

We can restart most policies if it’s no more than 30 days after it was cancelled, and we won’t charge a fee – as long as you pay any outstanding premiums, and nothing’s happened during that time that you’d have made a claim for.

If you’d like to restart your policy, just contact us and we’ll do our best to get things back up and running for you.

7. How to get in touch

Haven’t found the answers you need here? Call us or email us and we’ll be happy to help.

We’re committed to treating our customers fairly, so if you have any concerns you’d like to tell us about, here’s how you can make a complaint.

Need to make a claim?

It’s easy to make a claim on a life cover policy – and we’re here to help, every step of the way. 


Want to put your life insurance policy in a Trust?

Get more control over who gets the payout, which should reach your trustees quickly – without being subject to Inheritance Tax 1


Life articles

Take a look at our latest news and guides.

1. Liability for tax depends on your personal circumstances and tax rules, which may change over time. If you’re concerned about your estate’s liability for tax, talk to a financial adviser.