Over 50 life insurance

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What is over 50 life insurance?

It's a type of life insurance that lets you leave money behind for your loved ones when you're no longer around.

It's whole of life cover, which means it lasts your lifetime. To apply, you need to be aged 50 to 80 and a UK resident.

And while the cover means you can leave a little behind when you're gone, it brings benefits to you 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 health 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 Aviva 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 

100% claims paid

We pay 100% of claims and we do it quickly – usually within 3-5 working days. 1

Got a question? Call one of our friendly team on 0800 046 2778

How over 50 life insurance works

You choose a cover amount or how much you want to pay each month in premiums. You won’t need a medical or have to answer any health questions to be accepted.

If you die for any reason after the first 12 months of having the policy, we’ll pay out the full cover amount as a lump sum. We’ll also pay out the full cover amount if you die because of an accident within the first 12 months. 

However, if you die before the first 12 months is up, and it wasn’t an accidental death, we won’t pay out the cover amount, but we’ll pay a sum that’s equal to the premiums that have already been paid.

Do you need over 50 life insurance?

If you're looking to leave a little something when you're gone, you might want to consider this type of lifetime cover. The lump sum payout could be used towards the cost of your funeral, home improvements, a holiday or anything else.

If you only need cover for a fixed amount of time, rather than your whole lifetime, you could consider our term life insurance.

And unlike over 50 life insurance, which only covers one person, with term life insurance you can get a joint policy with your partner.

How much cover can you get?

It depends on how much you want to pay each month in premiums and factors like your age and smoker status.

Tell us how much you want to pay in premiums each month and we’ll tell you the cover amount we can give you. Our cover is available from £5 to a maximum of £100 a month, across all over 50 life insurance policies held with us. Or tell us how much cover you want and we’ll tell you how much that will cost you each month.

You need to decide if the cover amount we can give you is enough for what you want it to do, like provide a little something for your loved ones. If it’s not enough, you’ll need to increase the amount you pay each month in premiums.

Over half of our customers pay £30 per month or less for our over 50 life insurance cover. 2

Current Age Payout
50 £5,681
60 £4,721
70 £2,885
80 £1,357

Figures are based on a premium of £20 per month for a non-smoker and are correct as of 4th February 2022.

Your premiums won’t rise

Our over 50 life insurance is a whole of life policy, so it lasts a lifetime, instead of a specific number of years.

However, what you pay each month will always stay the same.

And once you’ve had your policy for 30 years, or from the plan anniversary after your 90th birthday, you’ll no longer pay anything, but your cover will continue.

Be aware that, depending on how long you live, you could pay more in total premiums than the cover amount.

What our over 50 life insurance covers

Your premiums are fixed, there’s no medical, and your loved ones will receive money when you die. 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, whichever comes first.
  • A lump sum payout
    We'll pay the full cover amount as a lump sum if you die after the first 12 months for any reason, or die within the first 12 months from an accident
  • 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'll only pay out when you pass away. Your plan has no cash in value at any time. If you stop paying your premiums your cover will end and you won't get anything back
  • 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 is fixed so its real value will be reduced by the effects of inflation. This means it’s important to review your cover regularly
  • If you pass away in the first year not due to an accident
    We'll pay a sum equal to the premiums already paid, but not the cover amount

Are you eligible for over 50 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 50 life insurance plan with us, 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 50 life insurance plan 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.

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 3.

Calculate how much your cover will cost

Try our simple quote calculator, it only takes a couple of minutes.

Calculate my quote

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, within the policy term.

Age: 18-64

Cover: Up to £1,000,000

Payment: If you become critically ill and live for 10 days after diagnosis

Partnering with Macmillan Cancer Support

two people hugging

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.

Step 1

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.

Step 2

Expert review

We’ll review the claim and get in touch if we need more information, such as a death certificate or medical information.

Step 3

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 loved ones you have over 50 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


Can I have more than one Aviva over 50 life insurance policy?

Do I need a medical?

Can I cash in my over 50 life insurance policy?

What happens if I stop paying premiums for my over 50 life insurance?

How would my family or loved ones make a claim?

Contact us

One of our friendly team will be happy to provide you with a quote and help answer any questions you may have.

Still need help? Give us a call

0800 046 2778

Monday to Friday: 8:00am - 6:00pm

Saturday and Sunday: Closed

For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free.