Life Cover Calculator

Life insurance provided, administered and underwritten by Aviva Life & Pensions UK Limited.


Completed: Your cover
Current: Your results
Completed: Your cover
Current: Your results


Family cover

The term you have selected goes beyond the maximum age of 90. Please choose a different term for the cover you require so that it doesn’t go past your 90th birthday.

Cashback offer ​

Getting a little back

New Santander Life insurance customers​

Get £100 cashback when you take out a new life insurance policy

New and existing Santander mortgage, Private Banking, Select, Edge and Edge Up customers​

Get £150 cashback if you’re a mortgage, Edge or Edge Up customer and take out a new life insurance policy

We'll pay cashback once per customer. For qualifying joint life protection policies we’ll pay it to the first named policyholder. This offer can be withdrawn at any time. See full cashback terms and conditions (251 KB)

Important information

For cover details, policy information and how to get a quote, click here

The estimated premium for life insurance is a 'quick quote' based on protecting your mortgage and lifestyle on a decreasing cover, single life basis. The quote assumes you are a non-smoker, with a Repayment (Capital and Interest) mortgage and accepted on standard terms.

The actual premium you pay may differ based on your individual circumstances such as health and lifestyle, your age when you apply and whether you require cover in joint names.

If you have a mortgage with multiple parts having different terms you may wish to take out more than one policy.

If you are single with no dependants, you may not have a need for life cover and may wish to look at critical illness cover instead.

The products we offer over the phone and online differ from those available in our branches. The products in branch are combined life and critical illness insurance, standalone life insurance and standalone critical illness insurance on a level, decreasing and increasing basis. These are offered on an advised basis. You can arrange an appointment in a branch using our online branch appointment booking tool.

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

Things you need to know

This calculator is designed to provide an illustrative guide for the amount of life cover you may require.

It doesn’t provide a specific personal recommendation and shouldn’t be taken as a recommendation or advice.

The results are based on the information you’ve provided. It’s an illustration only of the amount of life cover you may need and not how long you need it for or the type of cover required. The actual amount of cover will depend on your individual circumstances because it doesn’t cover all scenarios or eventualities.

It’s important to remember there’s no cash-in value at any time and the amount won’t account for the effects of inflation. If you cancel your plan and stop paying your premium, your cover will end and you'll receive no money back.

At Santander we offer life insurance, critical illness insurance and life & critical illness insurance from Aviva to protect your mortgage and family. For more information on critical illness insurance, please contact us.