Family and lifestyle insurance

Protect your family and make them more financially secure by leaving a lump sum. Provided, administered and underwritten by Aviva Life & Pensions UK Limited

Insurance which could provide a lump sum if you die, or depending on the policy you take out, if you’re diagnosed with a specified critical illness

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 This offer can be withdrawn at any time.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

Already have a policy? Take a look at our support page


Combined life and critical illness insurance

Combined policies are available with a branch adviser. Taking out a combined insurance policy means it will only pay out once in the event of either a critical illness or death. You will pay one monthly premium for this policy. 

If you want to speak to someone, but don’t need advice, call us on 0800 028 3744
To book an appointment with a branch adviser please use our online appointment booker

Decreasing, level and increasing cover explained


Decreasing cover runs for a fixed time. The cover amount reduces each month for as long as the policy lasts. It’s commonly used to help make sure the lifestyle of dependants is protected for a set period of time, for example, until a child is expected to reach independence. The monthly payments, known as premiums, will stay the same.

Level cover runs for a fixed time. The cover amount and premium stay the same for the life of the policy. This is commonly used to provide for dependants. You can choose to protect your cover amount from the effects of inflation. If you do this, the cover amount will increase each year to adapt to the cost of living. Monthly payments also increase over time. Each year, you can choose not to accept the increase. If you do this, your cover amount and premiums will stay the same. 

Watch this video to find out more about life insurance and critical illness insurance and levels of cover 

Things to consider


  • Before you apply, make sure you're aware of the eligibility conditions, which can be found in the policy summary. 
  • Your cover will finish when a claim for the main benefit is paid, at the end of your policy's term, or if you stop paying premiums or cancel the policy. You won’t get the money back that you’ve paid.
  • A full list of critical illnesses that are covered can be found in the critical illness plan policy summary and policy conditions in the important documents section.
  • To make a claim for critical illness, you'll need to meet the policy definition. This might mean that you’ll need to have permanent symptoms, an illness of a specified severity or require surgery.

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. 

Using a trust could prove tax-efficient

You can put your life insurance policy in trust. Doing this will:

  • allow the proceeds to be paid to the intended beneficiaries
  • minimise delays that might cause financial difficulties
  • make sure the proceeds do not form part of the estate for inheritance tax purposes.

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.

See our forms below for more information

Aviva Guide to Protection Trust (pdf)

Aviva Survivor Trust Form (pdf)

Aviva Discretionary Gift Trust Form (pdf)

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

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.