Aviva Life Insurance
Learn how Aviva life insurance works, the cover options available and their rewards.
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Who is Aviva?
Aviva protects over 12 million people’s belongings and futures across the UK and Ireland. The UK’s largest life insurance provider based in London and spread across Ireland, Canada, India and China. Aviva is globally renowned for their protection capabilities. Aviva acquired AIG Life UK in April 2024, accelerating their growth in the UK protection market.
Want to talk to our friendly team? Get your life insurance quotes here.
What life insurance products do
Aviva offer?
Level Term Life Insurance
You pay a fixed amount each month, and your cover amount stays the same for the whole policy term. If you pass away during this time, your loved ones receive an agreed cash lump sum. This can help with expenses like:
Increasing Term Life Insurance
Increasing life insurance helps your cover keep up with rising living costs. The cover amount increases each year, to tackle the effects of inflation, so your payout and premiums keep pace with the cost of living. This way, the value of your policy stays in step with price rises, so your loved ones are better protected against the effects of inflation. If you prefer, you can usually switch to level cover at any time.
Decreasing Term Life Insurance
Decreasing life insurance is for people with a repayment mortgage, which is why it’s often called mortgage cover. The cover amount goes down over time, roughly matching your mortgage balance, but your monthly payments stay the same. If you die during the policy term, your family receives a cash lump sum to help pay off the mortgage or other similar debts. Just keep in mind, if your mortgage rate goes up and outpaces your policy’s rate, your cover might not fully match your outstanding mortgage, so it’s a good idea to check that your cover amount and term are right for your needs.
Over 50s Life Insurance
Over 50s life insurance is for people aged 50 and above, with guaranteed acceptance—no medical questions or exams needed. This policy is a type of whole of life cover, which means you’re covered for the rest of your life and your loved ones are guaranteed a payout whenever you pass away (sometimes called “life assurance”). There’s usually a waiting period, also known as a moratorium period (often 1 to 2 years), before full cover takes effect. The payout can help with things like funeral costs or other expenses.
Critical Illness Cover
Critical illness is both a standalone policy and can be taken out alongside life insurance. It covers you should you become critically ill (Critical Illness Glossary) during the policy term and, the illnesses covered will vary by insurer. The pay-out can be used to cover medical treatment expenses, bills, childcare and anything else you may need. Aviva’s Critical illness cover also covers your children should they become critically ill.
Health Insurance
Health insurance is taken out in advance of having to pay for private healthcare for any short-term illnesses and ailments that might arise. In this scenario, you choose the healthcare benefits you need and pay a monthly premium. However, life insurance is often taken out alongside this.
Hugo’s helpful notes:
Not all Aviva cover options are available through Protect Line. We offer a non-advised service to help compare options from a select panel of insurers and provide you with information for you to make an informed decision.
Join over 500,000 UK families who’ve taken out Life Insurance with Protect Line
For your chosen premium payment, your family is reaping a priceless reward. A grand gesture of love in the form of a promise, telling them that you’re there to protect them, even after you’re gone.
Get your Aviva quotes today, to protect your family’s tomorrow.
Benefits of insuring with Aviva
Aviva DigiCare+ smartphone app
If you’ve taken out a new Aviva life insurance plan, critical illness cover or over 50’s non-med policy, then you’ll be given access to a range of health and wellbeing benefits with the DigiCare app. Within this app you can find an array of clinicians, nutritionists, therapists at no additional cost, other than the annual health check which costs £39.95.
Various gym discounts
Aviva is offering discounts to health and fitness clubs to those with relevant insurance policies. Eligibility for this benefit depends on the Aviva life policy or other type of Aviva product you’ve purchased. The “wellbeing” section policy wording will let you know if you’re able to access this.
Extensive cancer support and additional cover
Aviva provides extra support to those with private health insurance in the form of a dedicated oncology team, “from diagnosis and cancer treatment to aftercare and monitoring.” If you decide to utilise the NHS rather than pay for private treatment, then you could claim up to £100 for each day of treatment, with no limit.
Access to the 24-hour Aviva stress counselling helpline
Available to those with private health insurance, Aviva, in partnership with Care first, which offers access to a 24-hour helpline for those who need support and guidance in dealing with whatever might be dampening their daily lives.
Ready to get a free quote and compare life insurance options?
Hugo’s helpful notes:
Extensive cancer support and additional cover and Access to the 24-hour Aviva stress counselling helpline are only available to customers who purchase health insurance. Aviva Health insurance is not available through Protect Line.
