Aviva Life Insurance
Aviva Life insurance helps give your family financial protection should you pass away within the policy term. It lets you leave a lump sum behind – helping your loved ones maintain their living standards or pay mortgage costs.
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Get a quick quote for Aviva life insurance today and protect the ones you love. Affordable Aviva life insurance is just a click away. You can get covered with the best value Aviva life insurance in minutes and with no forms or medicals.
Why Aviva Life Insurance?
• A wide range of benefits to choose from
• Multi-benefit discount – you can combine up to five main benefits in any one online application
• Our underwriting expertise means we understand your your needs – taking a personal approach to getting cover in place quickly and smoothly
• Can be used in a range of circumstances, from protecting your lifestyle and family to protecting your mortgage repayment
Aviva include certain additional benefits automatically, and at no extra cost. These include:
- A range of guaranteed insurability options so that you get accepted at standard rates and can increase your level of cover before the age of 55 without any more underwriting
- Critical illness protection for children
- Terminal illness cover
- Protecting your payments if you can’t work due to sickness or accident for a lengthy period
- Total permanent disability benefit, so that you are covered if you become totally and permanently disabled
- Choosing to set up your policy on a fixed-term basis or to renew your benefit every five years
- Choosing guaranteed or reviewable premiums
- Having your benefit levels and policy payments adjusted to take account of inflation
Helping you make sound
financial decisions
A Comprehensive Guide to Aviva Life Insurance
Introduction
Aviva is one of the largest insurance providers in the United Kingdom, with a history spanning over 300 years. It offers a wide array of financial products, including pensions, investments, and various types of insurance. One of its primary offerings is life insurance. This guide will delve into the specifics of Aviva’s life insurance, exploring its features, benefits, and how it compares with other life insurance providers.
What is Life Insurance?
Life insurance is a contract between a policyholder and an insurance company. The policyholder pays premiums to the insurance company, and in return, the insurance company pays a lump sum, known as a death benefit, to the beneficiaries upon the death of the insured person. The two main types of life insurance are term life insurance and whole life insurance.
Aviva Life Insurance Offerings
Aviva provides several life insurance products tailored to different needs and circumstances:
Term Life Insurance: Aviva’s term life insurance pays out a lump sum if you pass away during the policy term. You can choose the length of the term and the amount of coverage.
Critical Illness Cover: This cover can be added to the term life insurance policy. It pays out a lump sum if you’re diagnosed with one of the specified critical illnesses during the policy term.
Over 50s Life Insurance: Aimed at individuals over 50, this whole life policy guarantees acceptance without a medical exam and provides a lump sum to beneficiaries when you pass away.
Key Features of Aviva Life Insurance
Flexibility
Aviva offers flexible coverage options, allowing you to choose the duration and the amount of coverage for your term life insurance. You can also decide if you want to add additional coverages such as critical illness cover.
Terminal Illness Cover
Terminal illness cover is included with Aviva life insurance policies. If you’re diagnosed with a terminal illness with a life expectancy of less than 12 months, you can claim the policy early.
Additional Benefits
Aviva policyholders have access to Aviva Digicare+, a smartphone app that provides a range of health and wellbeing benefits, including nutritional advice, mental health support, and a second medical opinion.
Applying for Aviva Life Insurance
To apply for Aviva life insurance, you can visit the Aviva website, call their customer service, or seek advice from a financial adviser. The application process involves providing your personal details, health history, and lifestyle information.
Conclusion
Aviva’s life insurance offerings are comprehensive, flexible, and feature additional benefits like the Aviva Digicare+ service. However, it’s crucial to carefully assess your own needs, explore all available options, and seek professional advice before deciding on a life insurance policy.
Disclaimer
This guide is intended to provide general information about Aviva Life Insurance. It does not constitute financial advice. Always conduct your own research and consider seeking professional advice before purchasing a life insurance policy.
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Losing a loved one is never easy…
but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.
Ask Yourself:
- Who would pay the rent or mortgage if you were to pass away suddenly?
- Who would pay your children’s university fees or provide money for childcare whilst your surviving partner goes out to work?
- Who would provide the money for your family’s food, clothing or lifestyle?
- Who would pay for your funeral or clear your debts?
These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.
We don’t talk to people like they’re just a number
Our expert advisers help people make informed decisions through expert financial advice.
Get Covered in 3 Easy Steps
1
Tell us how much money you would need to financially protect your loved ones
2
We will call you to discuss your options and provide comprehensive free quotes
3
You decide which policy to take and get protected today with no medicals or forms
We Provide Complete Cover For:
Life Insurance
Make sure your family have financial security in the event of your passing…
Income Protection
Protect your income if you’re unable to work due to illness or injury…
Critical Illness
Get a lump sum payment if you’re diagnosed with a serious illness…
Enjoy Life Insurance with Rewards
You can use InsuredLife Rewards in hundreds of retailers across the UK, including all the major high street names. The benefits packages available include Digital Vouchers, Re-loadable Gift Cards, Online Cashback and Online offers.
Get covered today and access your rewards…
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?