What is life insurance?

Life insurance pays out a sum of money if, during the term of the policy, you die or you're diagnosed with a terminal illness that meets our policy definition and aren't expected to live longer than a year. Once we pay out, the cover ends. It could give your family some financial security and your loved ones could use the money to help pay bills or maintain their living standards when you're no longer here.

Be aware that this isn't a savings or investment plan and it only pays out on a successful claim. If premiums aren't paid the cover will end and you'll get nothing back.

It's easy to apply online and you can get a quote in just a few minutes. You must be in the UK with a legal right to live there. You must consider your main home to be in the UK (which doesn't include the Channel Islands, the Isle of Man or Gibraltar) and have no current intention of permanently moving elsewhere. You must be aged between 18 and 77 at the time of applying.

Mortgage protection - decreasing cover

You may want to choose this type of cover to help your loved ones pay off a repayment mortgage or long-term loan if you die during the policy term. The amount you have left to pay on your mortgage usually decreases over time, so our mortgage protection cover also goes down. It usually costs less than level cover and your monthly premiums will stay the same throughout the policy term, but your cover amount will gradually reduce throughout the policy term.

Family protection - level cover

With this type of cover, your cover amount and premium stay the same throughout the policy term. If you die during this time, your loved ones could use the lump sum to help them pay off debts or put it towards living costs and monthly outgoings, such as rent.

If you choose level cover, over time that could be worth less due to inflation. You can help protect that by choosing increasing cover, so your payout increases over time​.

Some important things to think about

When thinking about life insurance, there are some important things to bear in mind before you go ahead​:

    Lump sum payment

  • Choose up to £5 million worth of cover.

    • Premiums from £5 a month

  • A range of options to suit your needs and how much you can afford.

    • Flexible cover term to suit your needs

  • Choose the length of cover you need. From 5 to 50 years, or until you're 90 years old. Once its finished , your cover will stop and you won't be able to make a claim. The price you will pay will depend on the level of cover selected and your personal circumstances.

    • Single or joint policies

  • You can take out a single policy to cover one person, or you and your partner can take out a joint policy to cover both of you. If you take out a joint policy, it will end when the first person makes a successful claim. Both types of policy finish when the policy term ends.

    • Terminal illness automatically included

  • This means you'll get a lump sum payment early if you're diagnosed with a terminal illness that meets our definition and you're not expected to live more than a year.

    • Optional critical illness cover

  • A separate policy which gives you a lump sum pay-out if you’re diagnosed with or undergo surgery for one of the 52 critical illnesses covered by the policy, so you can worry less about your finances and focus on your health.
    Dependent on the definition of the critical illness, we may pay on diagnosis only, when the condition has progressed to a specified severity or when named treatments or surgeries are performed. To claim, you must meet our definition and survive for 10 days.
    Full details of what each definition covers can be found in the policy conditions.
    On a Critical Illness Plan there's no death benefit. Be aware that this isn’t a savings or investment plan. It only pays out on a successful claim. If premiums aren't paid or you cancel your policy, the cover will end and you’ll get nothing back.

    • Flexibility to cancel at any time

  • Don't worry, you're not locked into your policy and you can cancel free of charge at any time.

You can find more information in our important policy documents. Make sure you read the Life Insurance Plan policy summary and policy conditions to ensure the cover is right for you. You can also find out more about our insurance services and about how we protect your data.
Your data

The data controllers responsible for processing your personal information are Aviva Life & Pensions UK Limited ("Aviva") as the insurer of the product and National Westminster Bank plc ("Ulster Bank") as the distributor of the product.

Aviva uses your personal information for a number of purposes including to decide if we can offer you insurance and to generate a quote for you. This information will include personal and health data for all those to be covered. Aviva will also share some of your personal information with Ulster Bank for their own purposes. Please see Aviva’s Privacy Notice for more information about how we collect, use and share your personal information.

You have certain data rights in relation to your personal information, including a right to access personal information, a right to correct inaccurate personal information and a right to erase or suspend our use of your personal information. These rights may also include a right to transfer your personal information to another organisation, a right to object to our use of your personal information, a right to withdraw consent and a right to complain to the data protection regulator. These rights may only apply in certain circumstances and are subject to certain exemptions.

If you have any questions about how Aviva uses your personal information, or if you want to exercise your data rights, please contact our Data Protection Officer by either emailing them at DATAPRT@aviva.com or writing to them at: The Data Protection Team, Aviva, PO Box 7684, Pitheavlis, Perth PH2 1JR

For information on how Ulster Bank uses your personal information, and for details on how to contact them, please see Ulster Bank’s Privacy Policy.

Why choose us?

  • Aviva Life Insurance is 5-star rated by Defaqto

  • We've 325 years' experience in protecting people.

  • Your cover gives you access to a range of health & wellbeing services through the Aviva DigiCare+ app, provided by Square Health. Offering you quick access to unlimited GP consultations, mental health support, expert nutritionists and more. The app and services are non-contractual benefits Aviva can change or remove at any time. Terms and conditions apply. These can be viewed along with the privacy policy within the app. Residency restrictions apply.

Over 50s Life Insurance

Looking for different cover?

We also offer Over 50s Life Insurance which is cover for the rest of your life that pays a lump sum when you die. We won't ask you any health questions when you apply.

Its worth nothing that this isn’t a savings or investment plan and it only pays out on a successful claim.

Age: 50-80
Cover: starts from just £5 per month
Explore more about Over 50s Life Insurance

Critical Illness cover

Optional Critical Illness cover

Pays a lump sum if you are diagnosed with or have surgery for one of the 52 critical illnesses covered by our plan within the policy term and survive for 10 days. You can choose to add this cover to your Life Insurance quote but if accepted, it will be a separate policy.

Its worth nothing that this isn’t a savings or investment plan and it only pays out on a successful claim.

Age: 18-64
Cover: Up to £1,000,000

We'll also pay up to £25,000, or 50% of the cover amount (whichever is lower), for children that are diagnosed with and meet one of our critical illnesses. Children are not covered for terminal illness.

Ready to get a life insurance quote?

We only need a few details from you to get started with ​your quote, such as the type of cover ​you'd like, the length and amount of cover, plus your ​personal details. It's easy to do this online and get a ​quote in minutes.

If you need some help, please give us a call.

Call us free on 0800 206 2059
Monday to Friday: 8am - 6pm

For our joint protection, we may monitor or record calls. 0800 numbers are free from UK landlines and mobiles.