Cover details
What's the difference between our Over 50s Life Insurance and our Life Insurance Plan?
Our Life Insurance Plan covers you for a specific amount of time, but our Over 50s Life Insurance Plan covers you for the rest of your life. The lump sum payout on an Over 50s Life Insurance Plan is usually much smaller than the payout on a Life Insurance Plan. The other difference is that you can’t take out a joint policy for our Over 50s Life Insurance Plan.
Over 50s Life Insurance Plan
You must be aged between 50 and 80 and a UK resident. You pay the same premium for life, and you won’t need a medical or health check.
The cover amount is fixed so it’s real-life value will go down over time because of inflation. You can hold a number of policies, but there’s a maximum premium limit of £100 across all policies.
You can choose either the level of cover you want or a premium you’d like to pay each month.
You’ll no longer pay premiums once you’ve had your policy for 30 years or from the policy anniversary after your 90th birthday. However, your cover will continue.
For our Over 50s Life Insurance Plan, we’ll pay the full cover amount if you die after the first 12 months. We’ll also pay the full amount if you die from an accident during the first 12 months of the policy. If you die within the first 12 months of cover from anything other than an accident, we’ll pay an amount equal to the premiums paid. Depending on how long you live, you may end up paying more in premiums than the amount we pay out when you die.
Life Insurance Plan
You must be aged between 18 and 77 to apply, and your cover stops at the end of the policy term. We’ll ask you a few health and lifestyle questions when you apply. You choose a cover amount and if you want your cover to stay the same, rise in line with inflation, or go down over time in line with a repayment mortgage or loan. You can take out a single or joint life insurance policy.
Neither of these products are savings or investment plans. They will only pay out on a successful claim.
If you’re not sure which one might be right for you, speak to a financial adviser.
How long will my Over 50s Life Insurance cover last?
Your cover will last for the rest of your life.
Does Aviva offer a funeral plan?
No, we don't offer funeral plans. You can however put the money from an over 50 life insurance policy towards funeral costs.
Can I put my Over 50s Life Insurance policy in trust?
Yes you can. Find out about our Trusts options.
What is Aviva DigiCare+?
Take out Over 50s Life Insurance with us and you’ll unlock valuable health and wellbeing support through the Aviva DigiCare+ app. You’ll get quick and easy access to unlimited Digital GP consultations – 24/7, 365 days a year. So no more waiting on the phone to get through to the doctors.
Plus:
- Mental health support – Establish positive mental health through consultations with a mental health therapist.
- Nutrition support – Improve your eating habits with nutritional advice.
- Second medical opinion service - Get peace of mind with a second opinion from a specialist on your medical diagnosis and treatment.
- Bupa Anytime HealthLine – Speak to a qualified nurse any time day or night, 365 days a year.
- Health and wellbeing discounts - Get fit for less with discounts on gym memberships and a variety of products and services which support a healthy lifestyle.
- Bereavement support - Receive practical support and emotional comfort when you lose someone close to you.
- Legal guidance and practical support - Access to a free legal helpline and discounted legal services including Will writing and Lasting Power of Attorney.
- At home, self administered finger-prick blood test - checks for 20 different health markers. Please be aware that the Health Check is a chargeable service.
- Personal training – Improve your physical health and general endurance with a tailored fitness plan.
The Aviva DigiCare+ app is provided by Square Health and they provide the services together with other carefully selected partners. This is a non-contractual benefit which we can change or withdraw at any time. Terms and conditions and the privacy policy can be found in the app. Residency restrictions apply. Find out more about all these Aviva DigiCare+ services. Aviva DigiCare+ services.
Is this policy covered by the Financial Services Compensation Scheme?
Yes, our Over 50s 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.
Eligibility
Can I apply for Over 50s Life Insurance if I’m in my 60’s?
Yes, anyone aged between 50 and 80 can apply for our Over 50s Life Insurance.
Do I need a medical?
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.
Can I have more than one Aviva Over 50s Life Insurance policy?
Yes. You can have more than one, but your monthly premiums can’t add up to more than £100 a month.
Can my partner take out cover as well?
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.
What is guaranteed acceptance for Aviva's Over 50s Life Insurance?
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.
My life insurance policy is ending. Can I get a quote for a new over 50 policy?
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.
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 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.
Paying for Over 50s Life Insurance
Will my premiums go up?
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.
What happens if I stop paying premiums for my Over 50s Life Insurance?
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.
How much does Aviva's Over 50s Life Insurance cost?
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.
Can I change the monthly premium on my Over 50s Life Insurance policy?
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.
Will I pay more in premiums than could be paid out?
Yes it's possible. In some cases you might pay in more than is paid out.
How long will I need to make monthly payments payments for?
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.
Payouts and claims
How would my family or loved ones make a claim?
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.
Can I cash in my Over 50s Life Insurance policy?
No. Our Over 50s Life Insurance is not a savings or investment product. It will only pay out on a successful claim.
When will the full amount be paid out?
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.
How will inflation affect the payout amount?
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.
Changing circumstances and cancellations
Can I make changes to my Over 50s 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 50s Life Insurance?
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.
Access needs
How can I contact you if I'm deaf or a British Sign Language (BSL) user?
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.