Family and lifestyle protection

Provided, administered and underwritten by Aviva Life & Pensions UK Limited

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Why choose Santander?


    • If you’re a 1I2I31I2I3 Lite or Select current account customer other benefits are available
    • Aviva is the UK’s largest insurer
    • 98.9% of Aviva life insurance claims paid out in 2017 (Source: Aviva)
    • Choose single or joint policies

Life insurance and critical illness insurance

  • Life insurance aims to pay a one-off lump sum if you die or are diagnosed with a terminal illness within the term of the policy.
  • Critical Illness Insurance aims to pay a one-off lump sum if you’re diagnosed with a specified critical illness (not all conditions are covered).
  • At Santander we offer these two types of insurance through Aviva. You can buy them separately, or combined.

Do I need decreasing, level or increasing cover?

Decreasing cover runs for a fixed time, with the lump sum reducing each month for as long as the policy lasts. It’s sometimes used to cover decreasing debts or the cost of raising children. The lump sum reduces each month as the amount needed to repay the debts decreases or the time needed to provide for children decreases as they get closer to financial independence. The monthly payments, known as premiums, remain the same.

You can apply for decreasing cover life or critical illness insurance online or in one of our branches

Level cover runs for a fixed time and the cover and premium stay the same for the life of the policy.

You can only apply for level life cover or critical illness insurance in our branches.

Increasing cover runs for a fixed time and the lump sum factors in the cost of living.

As time goes by it’s expected that the cost of living will go up – this is what’s known as inflation. By choosing increasing cover you can help protect against the future effects of inflation as your cover amount will increase in line with inflation as shown by the Consumer Price Index. Monthly payments also increase over time.

You can apply for increasing cover life or critical illness insurance online or in our branches.

Combined life and critical illness insurance 

Taking out this combined insurance would mean you have cover available in case of critical illness or death. The policy will pay out once, either for critical illness or for death.

You can only apply for combined life and critical illness cover in one of our branches, as we’ll need to give you some advice.

Applying for life protection

Apply online or over the phone.

  • If you don’t need advice, call us on 0800 028 3744.
  • To book an appointment in a branch (where you will receive protection advice), please call 0800 068 6699.

Things to consider

  • To make a claim for critical illness, you'll need to meet the policy definition, which could require you to have permanent symptoms, an illness of a specified severity or undergo surgery.
  • Not all critical illnesses are covered. For a full list of illnesses that are covered by the plan, you should refer to the Critical Illness Plan Policy Summary and Policy Conditions.
  • When a claim for the main benefit has been paid, your policy will end and cover will stop.
  • At the end of your policy's term, or if you stop paying premiums, your cover will end, and you will get nothing back.
  • Make sure you're aware of the eligibility criteria, which can be found in the policy summary, before applying.
  • Option to have a single or joint policy. If you have joint cover, the policy only pays out once
  • The policy has no cash-in value at any time.


You can put your life insurance policy in trust.

The lump sum paid out on death is currently free from income and capital gains tax. Your policy may be subject to inheritance tax unless you put it in a suitable trust. If you're unsure on whether you should put your policy in trust you should seek specialist legal advice. Tax rules may change in the future.

Find out more about the types of trusts including the trust forms

The Financial Conduct Authority and the Prudential Regulatory Authority do not regulate taxation and trust advice.

2% cashback for 1|2|3, 1|2|3 Lite and Select Current Account customers

Earn 2% cashback on Santander life protection premiums (policies administered and underwritten by Aviva Life & Pensions UK Limited) when you pay by Direct Debit from your 1|2|3, 1|2|3 Lite or Select Current Account.

The 1|2|3 Current Account and Select Current Account have a £5 monthly account fee and the 1|2|3 Lite Current Account has a £1 monthly account fee.

To earn cashback you must pay in at least £500 a month (excludes internal transfer) and have at least two active Direct Debits. 1|2|3 Lite Current Account customers must also log on to Online or Mobile Banking at least once in every three months.

Cashback is paid monthly. You may hold a maximum of two 1|2|3 Current Accounts or Select Current Accounts, one in your name and one in joint names. You must be 18 or over and a UK resident.

Existing customers

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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. Please make sure you read all the information provided before getting a quote.

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