Life

Life insurance

If you’re diagnosed with a critical illness or if the worst should happen and you die, we could help make sure your family is protected.

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

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 This offer can be withdrawn at any time.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

Your chance to win £5,000

If you have a Santander Edge or Edge Up current account.

Got or getting a Santander Edge or Edge Up current account? If so, you could win £5,000 in our prize draw when you take out a new life insurance policy with us between 1 July and 31 October 2024.

 See full terms and conditions

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 Aviva has paid a claim, 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. You might need to have a medical exam too but we’ll pay for this.

The price you pay depends on the level of cover you select 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

 

Get a quote

When is the right time to get life insurance?

Life insurance doesn’t need to be expensive. 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 life changes that make people purchase life insurance or review their existing level of cover.

Buying a house

Having children

Changing jobs

Getting married

Types of life insurance

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.

Life insurance calculator

Life insurance calculator

Our handy tool can help you work out how much life insurance you need to protect your loved ones
 

How does life insurance work?

Life insurance pays out a lump sum to your dependants when you die to help with financial support. The level of cover you buy will determine how much Aviva pay out. You'll pay for your cover each month. Critical illness insurance will pay out while you’re alive if you develop certain illnesses covered by the policy.

1. Take out a policy

You can do this online or by calling 0800 028 3744 to speak to someone who can provide information on a non-advised basis. Need advice? Book an appointment using our online appointment booker

2. Pay monthly

Pay your premiums every month by Direct Debit

3. Relax

You can relax knowing your family has some protection in place if you die or you're diagnosed with a critical illness
 

4. Check

It’s important you  review your cover regularly to make sure you have the right amount of cover, especially if your circumstances change

When you work out how long you want your 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 large financial commitment 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 when your mortgage ends or when your partner may retire. If you’re considering an Over 50s 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. You’ll only need to pay one regular monthly premium. Just so you’re aware, the policy 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. This means that if Aviva pay out for one person their policy will end, but the second person’s will continue.

Talk to us

Call 0800 028 3744 to speak to someone who can provide information on a non-advised basis. If you need advice book an appointment.

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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 might 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.

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