Insurance which could provide a lump sum if you die, or depending on the policy you take out, if you’re diagnosed with a specified critical illness
Cashback offer
Getting a little back
Already have a policy? Take a look at our support page
What you can get
Life insurance from Aviva, the UK's largest insurer
99.3% of Aviva life insurance claims were paid out in 2023 (source: Aviva)
Choose single or joint policies
If you're a 1|2|3, 1|2|3 Lite or Select Current Account customer, you can get other benefits. While you can't open these accounts anymore, you can still earn cashback.
Life insurance
- With life insurance, you’ll get life cover and terminal illness cover.
- It pays out if you die during the policy term. It also pays out if you’re diagnosed with a terminal illness that meets the definition. To find out more, please read the policy conditions in the ‘Important documents’ section further down this page.
- The policy can cover you (single policy) or two people (joint policy). It’ll only pay out once. When a claim’s been paid, the policy will end.
Critical illness
- Critical illness cover can give you and your loved ones peace of mind if you become critically ill.
- It aims to pay you a one-off lump sum if you're diagnosed with a critical illness that's covered.
- To find out what illnesses are covered, see the critical illness plan policy summary and policy conditions in the ‘Important documents’ section further down this page.
- The policy can cover you (single policy) or two people (joint policy). It will only pay out once. When a claim has been paid, the policy will end.
- Watch the video below to find out more about critical illness cover.
Combined life and critical illness insurance
You can get a Combined policy from a branch adviser. Taking out a combined insurance policy means it’ll only pay out once in the event of either a critical illness or death. You’ll pay one monthly premium for this policy.
If you want to speak to someone, but don’t need advice, call us on 0800 028 3744
To book an appointment with a branch adviser, use our online appointment booker
Decreasing, level and increasing cover explained
Decreasing cover
This runs for a fixed time. The cover amount reduces each month for as long as the policy lasts. It’s commonly used to help make sure the lifestyle of dependants is protected for a set amount of time. For example, until a child reaches independence. The monthly payments, known as premiums, will stay the same.
Level cover
This runs for a fixed time. The cover amount and premium stay the same for the life of the policy. It’s commonly used to provide for dependants.
You can choose to protect your cover amount from the effects of inflation. If you do this, the cover amount will increase each year to adapt to the cost of living. Monthly payments also increase over time. Each year, you can choose not to accept the increase. If you do this, your cover amount and premiums will stay the same.
Things to consider
- Before you apply, read the eligibility conditions – you can find these in the policy summary.
- Your cover will finish when a claim for the main benefit is paid, at the end of your policy's term, or if you stop paying premiums or cancel the policy. You won’t get the money back that you’ve paid.
- See the full list of critical illnesses that are covered in the critical illness plan policy summary and policy conditions – you’ll find these in the ‘Important documents’ section.
- To make a claim for critical illness, you'll need to meet the policy definition. This might mean that you’ll need to have permanent symptoms, an illness of a specified severity or require surgery.
Existing customers in financial difficulty
If you have a Santander life insurance policy underwritten by Aviva and you’re experiencing short-term financial difficulty, you may be able to get help with your monthly payments. Get in touch with Aviva on 0800 141 3430. Lines are open 8am-6pm, Monday to Friday.
To look at these documents, you may need to download Adobe Reader
Key documents
- Life Insurance Plan Policy Summary
- Life Insurance Plan Policy Conditions
- Critical Illness Plan Policy Summary
- Critical Illness Plan Policy Conditions
- £100/£150 cashback terms and conditions live from 10/01/2022 and offer withdrawn on 30/11/2022 (PDF - 582 KB)
- £125 cashback terms and conditions live from 9th January 2023 and offer withdrawn on 30/6/2023 (PDF - 949 KB)
- £100/£150 cashback terms and conditions live from 1st August 2023 (PDF - 251 KB)
- Edge/Edge Up current account £5,000 Prize draw 01/07/2024 to 31/10/2024 (PDF - 65 KB)
Using a trust could be tax-efficient
You can put your life insurance policy in trust. Doing this will:
- let the proceeds be paid to the intended beneficiaries
- shorten delays that might cause financial difficulties
- make sure the proceeds don’t form part of the estate for inheritance tax purposes.
If you're not sure whether to put you policy in a trust, then get advice from a legal specialist. Tax rules may change in the future.
See our forms below for more information
Aviva Guide to Protection Trust
Aviva Discretionary Gift Trust Form
The Financial Conduct Authority and the Prudential Regulatory Authority don’t regulate taxation and trust advice.
Life insurance and critical illness insurance have no cash-in value at any time, and exclusions and limitations will apply. For full details of the Life Insurance Plan and Critical Illness Plan, please read the policy summary and the policy conditions document on these pages. Make sure you read all the information before getting a quote.