Over 50 life insurance frequently asked questions

Yes, anyone aged between 50 and 80 can apply for our Over 50s Life Insurance.

No, we won’t ask you any health questions or ask you to have a medical examination. We also guarantee to accept you for our Over 50s Life Insurance if you’re aged between 50 and 80 and live in the UK. If you die within the first 12 months and it wasn’t an accidental death, we won’t pay out the cover amount. Instead, we’ll pay a sum equal to the premiums you have already paid.

Yes. You can have more than one, but your monthly premiums can’t add up to more than £100 a month.

Yes, they can if they meet the eligibility criteria. However, you can’t take this policy out jointly. You can only take it out for a single person.

We guarantee we’ll accept your application for our Over 50s Life Insurance, if:

• you’re aged between 50 and 80
• you’re in the UK and have a legal right to live here
• you consider the UK your main home and don’t intend to move anywhere else permanently.

If you meet these requirements, you’ll need to answer questions in your application about your date of birth and smoker status. Your answers will affect the amount you’ll pay each month (your premiums) and the amount we’ll pay you for a claim (the payout).

It’s important to answer as fully, truthfully and accurately as you can. Otherwise, we might have to change or cancel your policy, or we might not pay out for a claim.

Yes - provided you're aged 50-80 and a UK resident. You can get a quote for our Over 50s Life Insurance online or over the phone.

For our joint protection, telephone calls may be recorded and/or monitored.

The whole of life insurance we sell directly is only for customers aged 50 to 80. However, a financial adviser or broker could help you get whole of life insurance if you’re under 50. If you don't have a financial adviser, you can find one at unbiased.co.uk. Please be aware that you may need to pay for this advice.

No, your premiums will never go up. That means the amount you pay each month will stay the same throughout the time you pay your premiums.

Your premiums will stop and you won’t pay anything more after you’ve had your policy for 30 years or from the policy anniversary after your 90th birthday, whichever comes first. Your cover will continue until you die. 

Remember, depending on how long you live, you could pay more in total premiums than the cover amount you’ll leave behind. 

If you stop paying your monthly premiums before your premiums are due to finish, we’ll cancel your policy and your cover 60 days after the last premium was due. You also won’t get back any premiums you’ve already paid.

Our Over 50s Life Insurance is available from £5 a month up to a maximum of £100.

All you need to do is tell us how much you want to pay each month and we’ll tell you how much cover that gives you.

Or you can do it the other way round. If you have a particular cover amount in mind, let us know and we’ll tell you how much that will cost you each month in premiums. Over half of our customers pay £30 per month or less for our Over 50s Life Insurance cover.^

^Price based on figures from March 2026.

No, you can’t change your premium once your policy’s set up. You may be able to set up another plan if you'd like to increase your cover.

Yes it's possible. In some cases you might pay in more than is paid out.

To guarantee you stay insured, you’ll need to make monthly payments:

• for a maximum of 30 years, or
• until the first policy anniversary after your 90th birthday, or
• until you pass away, whichever comes first.

If you stop making payments before one of these dates, your cover will be cancelled 60 days after your last payment was due, and you won’t get any benefits for the payments you’ve already made.

They’ll need to call us on 0800 015 1142 or let us know online. Our expert teams will make sure the process runs as smoothly as possible. 

No. Our Over 50s Life Insurance is not a savings or investment product. It will only pay out on a successful claim.

We'll pay out the full amount if you pass away for any reason after the first 12 months of having the policy, or if you pass away because of an accident within the first 12 months. If you pass away in the first year not due to an accident, we'll pay a cash amount equal to the premiums that have already been paid.

The amount we'll pay on a successful claim is set when you buy our Over 50s Life Insurance – it won’t go up as prices rise.
It’s hard to predict how price rises will affect the amount you can buy with a fixed amount of money.

If at any time you decide you want more from your cover, you can take out another insurance policy with us, subject to availability, eligibility and maximum premium limits.

No, you won’t be able to change your policy benefits, such as the premium or benefit amount once your cover's set up.

Yes, and if you cancel your Over 50s Life Insurance policy within 30 days of the start date, we’ll refund your premiums. You can still cancel after 30 days, but you won’t get a refund.

If you have an Aviva Over 50s Life Insurance policy, you can get in touch with us using a qualified BSL interpreter for free as part of our partnership with online video interpreting service Convo. Find out more about how to use the Convo service.

You can contact us using this service if you need to talk about setting up a new policy, making a claim or have a customer service query.

If this service does not meet your needs, there are other ways to contact us, including using one of our online forms or LiveChat. You may also be able to to resolve your query by logging into your MyAviva account. For all the ways to get in touch with use, see our contact us page.