Will I pay in more than I get?

After the first year, the length of time you pay for your insurance won’t affect the amount we pay out when you die. So, in some cases you might pay in more than we pay out.

Do you offer whole of life insurance for customers under 50?

The whole of life insurance we sell directly is only for customers aged 50 to 80. However, a financial adviser or broker can help you get whole of life insurance if you’re under 50. Visit unbiased.co.uk for help finding an independent adviser.

What is the maximum payout for your over 50 life insurance?

The most we’ll pay out depends on your age, smoker status, and monthly payments (premiums) and when you take out your insurance.

My life insurance policy is ending. Can I get a quote for a new over 50 policy?

Yes. You can get a quote and buy your cover online or over the phone. If you’d like to go through the process over the phone on 0800 046 2778, just set up a call back from one of our team here.

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

Does Aviva offer a funeral plan?

No Aviva doesn't offer funeral plans, but you can use the money we pay out for whatever you'd like, including funeral costs.

What are the minimum and maximum monthly payments (premiums) for your over 50 life insurance?

The minimum monthly payment for our over 50 life insurance is £5 per month and the maximum is £100 per month.

Is your over 50 life insurance covered by the Financial Services Compensation Scheme?

Our over 50 life insurance is covered by the Financial Services Compensation Scheme. This means that if we go out of business and can’t pay you for any successful claim you make, the scheme may compensate you for up to 100% of the money we owe.

You can find out more by visiting the Financial Services Compensation Scheme website or calling them directly on 0800 678 1100 or 0207 741 4100.

How long will I need to make monthly payments (premiums) for over 50 life insurance?

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, whichever date 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.

How will price rises (inflation) affect the amount I’ll get from my over 50 life insurance?

The amount we'll pay on a successful claim (the payout) is set when you buy your over 50 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, so it’s best to check your cover regularly to make sure you’re still happy with the details.

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.

What is guaranteed acceptance for over 50 life insurance?

We guarantee we’ll accept your application for over 50 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.

Even if you meet these requirements, you’ll need to answer questions in your application about your date of birth and smoker status. Your answers might 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.


How would my family or loved ones make a claim?

They’ll need to let us know either online or by calling 0800 015 1142. Our expert teams will make sure the process runs as smooth as possible. For our joint protection, telephone calls may be recorded and/or monitored.

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

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

Do I need a medical?

No, we won’t ask you any health questions or ask you to have a medical examination. We can guarantee you’ll be accepted for our over 50 policy if you’re aged between 50 and 80 and live in the UK.

Can I cash in my over 50 life insurance policy?

No. Our Over 50 Life Insurance policy has no cash value at any time.

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

If you stop paying the monthly premiums for your Over 50 Life Insurance before the end of the premium term, your policy and cover will end 60 days after the date the last premium was due. You won't get back any premiums you've paid.

Can my partner take out cover as well?

Yes if they meet the eligibility criteria, however this policy is only available on a single life basis.

Will my premiums go up?

No, your premiums will never go up during your policy term, which means how much you pay each month will stay the same. 

Your premiums will stop and you won’t have to pay anything after you’ve had your policy for 30 years, or from the plan anniversary following 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.

Can I put my over 50 life insurance policy in trust?

Yes, you can. A trust is a legal arrangement that allows you to choose who gets the money from any policy payout (known as your beneficiaries) and who manages that process (the trustees).

You can find out more about the Aviva Trusts we offer.

How much does over 50 life insurance cost?

Our cover 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 £25 per month or less for our over 50 life insurance cover.^

^Price based on figures from March 2024.

Can I make changes to my over 50 life insurance policy?

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

Can I change my mind once I've taken out over 50 life insurance?

Yes, and if you cancel your 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.

Can I change the monthly premium on my over 50 life insurance?

No, you can’t change your premium once your policy’s set up. You can set up another plan if you need to increase your cover, as long as your monthly premiums will total less than £100.

How long will my over 50 life insurance cover last?

Your cover will last for the rest of your life.

How is over 50 life insurance different to regular life insurance?

With over 50 life insurance you’re covered for the rest of your life, so a payout is guaranteed. Usually, life insurance only covers you for a set term. So if you still need cover after the term ends, you’ll need to take out new insurance.

What is Aviva Digicare+?

Aviva Digicare+ is an app included with our over 50 life insurance. It gives you access to a range of health and wellbeing services at no extra cost, including:


  • Annual health checks
  • Access to a 24-hour BUPA helpline
  • Mental health consultations
  • Bereavement support
  • Nutritional support
  • Second opinion service


Please be aware these services aren’t part of your cover and could change or be removed at any time.  Find out more about all these Aviva DigiCare+ services.

When is the full benefit payable on my over 50 life insurance?

Your full benefits will be paid if your cover has been in place for at least a year when you die. If you die from natural causes within the first year, we’ll pay a cash amount or sum equal to the premiums that have already been paid. If you die because of an accident in the first year, we'll pay out the amount outlined in the policy definition.

Can I apply for over 50 life insurance if I’m in my 60’s?

Yes, anyone aged between 50 and 80 can apply for our over 50 life insurance.


Find the answers to some of the most frequently asked questions on car, home, health, life and travel insurance cover, pensions, investments and Brexit.