Provided, administered and underwritten by Aviva Life & Pensions UK Limited.
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What is life insurance?
Life insurance helps give your family financial protection if you die or suffer from a critical illness whilst you have your policy.
It allows you to leave behind a lump sum to help those you love maintain their living standards and keep paying the bills.
You can use life insurance to cover one person (a single policy) or two people (a joint policy). But it’ll only pay out once, so once a claim is paid, the policy ends.
In most cases, you can get life insurance even if you have medical conditions. You’ll need to tell us about them when we ask and it’s possible there might be a medical exam too (we’ll pay for this).
The price you pay depends on the level of cover selected and your personal circumstances.
The benefits of our life insurance
Quick and simple cover
Complete a quote online in minutes
Peace of mind
Life insurance from Aviva , the UK’s largest insurer
Claims you can count on
99.4% of Aviva life insurance claims were paid out in 2022
When is the right time to get life insurance?
Life insurance doesn’t need to be costly. The younger and healthier you are, the lower the cost of a life insurance policy will be. The golden rule is that if you have someone in your life who relies on your income, then you should think about having some form of life insurance. Here’s some examples of the most common events that prompt people to purchase life insurance or review their existing level of cover.
Types of life insurance

Mortgage life insurance
Designed to give you and your family peace of mind as it could be used towards paying off your outstanding mortgage

Family and lifestyle insurance
Protect your family and make them more financially secure by leaving a lump sum

Over 50s Life Insurance
Provide your loved ones with a fixed lump sum upon death, which could be used to help towards funeral costs
Administered and underwritten by Aviva Life & Pensions UK Limited.
Not all of our policies are available online. Come and visit us in our branches to learn about the full range. Life insurance, critical illness insurance and Over 50s Life Insurance have no cash-in value at any time, and exclusions and limitations will apply.
How does life insurance work?
Life insurance pays out a lump sum on your death, to help towards giving your dependants financial support after you’ve gone. The amount of money paid out depends on the level of cover you buy and you’ll pay it monthly. Critical illness insurance will pay out while you’re alive, if you develop certain critical illnesses covered by the policy.
When you work out how long you want a life insurance policy to run for, it’s important to think about why you’re taking it out in the first place. Most people will take out a policy to cover a certain financial obligation such as a mortgage, or to provide money for their family. So, whatever your reason is, the policy should reflect this. You need to think about how long your children will need financial support, or when your mortgage ends or when your partner may retire. If you’re considering an Over 50’s product, your cover will continue for the rest of your life.
If you and your partner both want cover, you can take out a joint policy. One regular monthly premium will be paid, it only pays out once and won’t provide cover for the second person after the first person dies.
Another option would be to think about taking out separate policies, meaning that if Aviva pay out for one person their policy will end, but the second person’s will continue.
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. Please get in touch with Aviva on 0800 141 3430. Lines are open 8am-6pm, Monday to Friday.
Other types of insurance we offer

Home insurance
A flexible policy to protect your home and its belongings

Health insurance
We’re pleased to introduce you to Bupa who are able to offer you private medical insurance.
Bupa isn’t part of the Santander group

Car insurance
Peace of mind on the road. Includes cover for hybrid vehicles