Over 50s Life Insurance


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
    • Your monthly payments won't increase once you've taken out the policy
    • Guaranteed acceptance with no health questions

What is Over 50s Life Insurance?

Over 50s Life Insurance lets you leave a fixed lump sum to your loved ones when you die. It provides guaranteed life cover and is available to UK residents aged 50 to 80 years inclusive.

The policy can only cover you, and the amount of cover you'll get depends on your age and the premiums you pay. When you apply there are no health checks and Aviva won't ask any questions about your lifestyle.

Leave something for your loved ones

If you’re a UK resident aged 50 to 80 years old, you’re guaranteed to be able to get Over 50s Life Insurance. There’ll be no medical, no health questions, and your cover will start as soon as we’ve put your application through.

The Over 50s Life Insurance policy has the option to select either the amount of cover required or the monthly premium you would like to pay.

Depending on how long you’ve had the policy, the amount paid out on death may be less than the amount you’ve paid in premiums.

You can take out more than one policy as long as your monthly premium across all of your Aviva Over 50s Life Insurance policies taken out with Santander isn’t more than £100 in total.

You can leave your guaranteed lump sum to your loved ones when you die. If you die in the first year as the result of an accident, the policy will pay out the lump sum. If you die from any other cause in the first year, the policy will pay out an amount equal to the premiums paid. If you die after the first year the policy will pay out the guaranteed lump sum.

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

• If you don't pay your premiums during the premium term, your policy and your cover will end 60 days after your last payment was due and you won't get any money back.

• The lump sum paid is fixed, so inflation will reduce what it can buy in the future. You should review your cover to ensure that it remains adequate over time.

• Depending on how long you have the policy for, the amount paid out on your death may be less than the total amount you've paid in premiums.

• 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.

Important documents

Existing customers

How can we help you?

Make a claim  

How to find your policy documents  

Make a change to an existing policy  

How to update your contact details  

Over 50s Life Insurance has no cash-in value at any time, and exclusions and limitations will apply. For full details, please read the policy summary and policy conditions. Please make sure you read all the information provided before getting a quote.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.