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 different types of cover: level cover and decreasing cover.
With level cover, what you pay each month stays the same for the whole term of the policy, and so does the cover amount.
If you’d prefer your cover amount to rise with the cost of living, you can choose to protect it against the effects of inflation, which means that what you pay will also increase over time.
Decreasing cover works like 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.
Looking for life insurance?
Visit our Life Insurance page to see full details of the cover we offer.
Take a look at our latest news and guides.
Do you need a medical to get life insurance?
If you’re avoiding taking out life insurance because you think the application will involve a medical, you might be surprised to hear it’s not always needed.
Can you get life insurance with a pre-existing condition?
From the application process to premiums, here’s what you need to know.
Cancer support beyond claims
Here’s how we’re working with Macmillan Cancer Support to be there for you if you’re living with cancer and have a protection policy with us.
How to plan an eco-friendly funeral
How much critical illness cover do you need?
How to choose a funeral director
What happens to a life insurance policy when someone dies?
If a loved one dies, and you’re not sure if they had a life insurance policy, or how to make a claim if they did, find out some of the steps you can take here.
Renting? Here’s why life insurance isn’t just for homeowners
Discover more about life insurance
Different types of life insurance for your family
Explore the different types of life insurance for your family
How does life insurance work?
From how much life insurance costs to who gets the money if you die during the policy term, here’s a simple guide to life insurance and how it works.
Mortgage protection when you're buying a home
Whether you’re a first-time buyer, moving up the property ladder or securing a buy-to-let, here’s why you might want to get that financial protection in place.
Safeguarding the family home when you’re gone
Having life insurance can help reduce the financial impact on those left behind. Find out more about safeguarding your home with life insurance here.
Children’s critical illness benefit
The last thing you’ll want to think about is your child being critically ill, but it’s worth considering how you’d manage financially. Find out more here.
Six important reasons to get life insurance
We regularly see the difference having life insurance can make to families, find out how having cover could make a big difference, when it really matters here.
Think you can't afford life insurance? This might help
Read our 4 top tips on how to make the cost of life insurance more manageable.
Life insurance and critical illness cover: how are they different, and do you need both?
Although similar, life insurance and critical illness policies provide different kinds of cover to help in challenging times. Find out more here.
Still need help? Give us a call.
Monday to Friday: 8:00am - 6:00pm
Saturday: 9:00am - 2:00pm
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.