Over 50s life insurance
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What is over 50s life insurance?
It’s a type of insurance that lets you leave a guaranteed fixed lump sum to your loved ones when you’re no longer around. To apply, you just need to be aged 50 to 80 and a UK resident.
Your monthly premium won’t rise, and there’s no need to think about how long you want it to last, as it’s whole of life cover. Bear in mind that, if you pass away in the first year of your cover and it isn’t due to an accident, we’ll pay back premiums already paid, but not a lump sum.
While our cover offers protection for your loved ones' financial future, it brings benefits to the here and now too. As soon as your policy starts, you can use our Aviva DigiCare+ smartphone app, powered by Square Health, to access annual heath checks, nutritional support, mental health counselling and more. So you have the tools and services you need to enjoy life today. Please be aware the benefits of DigiCare+ do not form part of your cover and they could be changed, or removed in the future.
No medical
You won’t be asked any health questions or need a medical examination
Lifetime cover
Cover lasts for life – and once you turn 90 or after 30 years, you won’t pay anything
Aviva DigiCare+ app
Offers health and wellbeing services, including mental health support and an annual health check
How does over 50s life insurance work?
You choose a cover amount and monthly payment, and we pay a lump sum when you pass away. You won’t need a medical or have to answer any health questions to be accepted.
Do you need over 50s life insurance?
If you’re looking to leave your family a guaranteed lump sum when you’re gone, you might want to consider this type of lifetime cover. They could put the cash payout towards the cost of your funeral, home improvements, a holiday, household bills, or anything else they need it for.
If you’re looking for something that just takes care of your funeral costs and safeguards the send-off you want, you might be interested in a prepaid funeral plan.
If you’d like a joint policy with your partner, or if you only need cover for a certain length of time, you could consider our term life insurance.
How much cover do you need?
It depends on what you want the lump sum to be used for, and what's affordable.
Our cover’s available from £5 to £100 a month, depending on your age, and how much cover you’d like.
How do you leave the lump sum to a loved one?
When you pass away, the insurance payout becomes part of your estate and goes to loved ones you’ve named in your will, known as beneficiaries. If you put your policy in a Trust, you get control over who the payout goes to, and it will usually be exempt from Inheritance Tax 1.
How long are you covered for?
It’s a whole of life policy, so it lasts a lifetime, instead of a specific number of years. You pay a premium of between £5 and £100 a month, depending on your age and how much cover you’d like, and the payout is guaranteed whenever you pass away. After that, the cover ends.
What our over 50s life insurance covers
Your premiums are fixed, there’s no medical, and a payout is guaranteed. Here’s more about what’s covered.
What this cover offers
- Guaranteed acceptance
If you’re a UK resident aged between 50 and 80 - The same price for life
Just choose how much you want to pay each month - Lifetime cover
You won’t pay any premiums after 30 years or after your 90th birthday
- A guaranteed cash lump sum payout
If you pass away or have an accident within the first year - The option of more than one plan
If the combined total monthly premiums don't exceed £100
What to consider
- It has no cash value
We only pay out when you pass away. If you stop making payments that are due, your cover will end after 30 days - It can't be joint cover
It's a policy for one person - The payout could be less than what you paid in
Depending on how long you live - Inflation will reduce the value of the payout
The cover amount doesn’t increase with inflation - If you pass away in the first year not due to an accident
We'll pay back premiums already paid, but not a lump sum
Are you eligible for over 50s life insurance?
You don’t need to have a medical or answer health questions – you’re guaranteed to get cover, if you’re the right age and a UK resident.
To apply, you need to be:
- A permanent UK resident
- Aged between 50 and 80
Aviva DigiCare+
When you take out a new over 50s life insurance policy, you can access health and wellbeing services through the Aviva DigiCare+ smartphone app, powered by Square Health – and it won’t cost you extra.
So the tools you need to help you eat better, feel better and keep well are always on hand.
Please be aware that the benefits of the app don't form part of your cover, and they could change, or be removed, in the future. This is a non-contractual benefit Aviva can withdraw at any time. Terms and conditions and the privacy policy for Aviva DigiCare+ can be found within the app. Of course, the main reason for taking out a policy with us is financial protection, you shouldn't take out a policy for Aviva DigiCare+ alone.
Annual health check
Help spot problems early with an at-home blood test that checks for 20 different health markers – including your risk of diabetes and your liver and kidney health – followed by a personalised report and advice on next steps†.
Nutrition support
Get practical advice from nutritionists with access to six consultations each year. These can help you make better choices, with personalised eating plans and tips on how to break less healthy habits†.
Mental health support
Talk to a therapist one-to-one if you’re struggling with issues like anxiety and depression. You can have up to six sessions a year, to get guidance and support that's right for you†.
Second medical opinion
If you have a medical diagnosis and want to ask more questions, have extra reassurance, or explore the possibility of alternative treatment options, a second opinion from a UK-based clinical specialist is on hand†.
Bupa Anytime HealthLine
Get expert health advice from a Bupa nurse for everyday issues, from rashes to muscle pain, with unlimited phone calls 24/7, 365 days a year‡.
Bereavement support
Losing a loved one isn’t easy. So it might help to know there’s help on hand through bereavement counselling and guidance on practical issues like estate administration.
† Provided by Square Health
‡ Provided by Bupa
How Aviva DigiCare+ works
Once your over 50s life insurance policy with us is active, you can download the app and register your details. You can then use it to connect you with clinicians, nutritionists, therapists and more – which means taking positive steps towards a healthier lifestyle can be as easy as picking up your phone.
Mobile data charges may apply.
Ready to get cover?
Try our simple quote calculator to see your monthly payment and cover amount options.
Prepaid funeral plans
If you’re looking for a plan that specifically covers funerals, we can help.
Looking for more cover?
Here are some more ways to help protect your family's future. There is no cash-in value at any time.
Life insurance
Pays out a lump sum to help your family pay bills, mortgage repayments, school fees and any other debts, if you die within the policy term.
Age: 18-77
Cover: Up to £5,000,000
Payment: If you die, or get a terminal illness and aren’t expected to live longer than 12 months
Critical illness cover
Pays a lump sum if you or your child are diagnosed with or have surgery for one of the 53 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
Funeral plans
Plan your funeral ahead of time and pay for the services included at today’s prices.
Age: 50 or over
Cover: The cost of services included in the plan
Payment: One lump sum, over 12 months, or up to 25 years
Partnering with Macmillan Cancer Support
Offering specialised cancer support
We’ve partnered with Macmillan Cancer Support to raise awareness of the emotional, medical, and financial support they can provide if you’re living with cancer. Our customer team has the information, tools, and necessary training needed to guide you quickly to the Macmillan support service that’s right for you.
How our claims process works
If your family or loved ones need to make a claim, we’ll make sure the process is as smooth as possible.
Let us know
Call us on 0800 015 1142 from the UK *.
Alternatively, use our online claim form or write to us at Aviva, Claims Assessment Team, PO Box 520, Norwich, NR1 3WG.
Expert review
We’ll review the claim and get in touch if we need more information, such as a death certificate or medical information.
Paying your claim
If your claim is valid, we’ll make the payment within five working days of our decision.
Already with us?
Here’s where you’ll find everything you need to know about your policy, and how to go about making any changes.
It’s important to tell your family you have over 50s life insurance with us, and to share your policy number with them. This will help make things easier if they need to make a claim on your policy at what might be a difficult time.
View your policy in MyAviva
Use your secure online account to:
- See your policy documents
- Get offers and discounts
Manage your policy
This is your dedicated page if you have life cover with us. It’s where you’ll find lots of useful information, including:
- How to update your personal details
- How to make changes to your policy
- Answers to common questions
- Ways to get in touch
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Contact us
Still need help? Give us a call
Monday to Friday: 8:00am - 6:00pm
Saturday: 9:00am - 2:00pm
Sunday: Closed
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.