This insurance could pay out as a lump sum if you die or if you’re diagnosed with a critical illness that’s covered
Cashback offer
Getting a little back
What you can get
Life insurance from Aviva, the UK's largest insurer
99.3% of Aviva life insurance claims were paid out in 2023 (source: Aviva)
House purchase cover - free cover from exchange to completion when you buy a property
If you're a 1|2|3, 1|2|3 Lite or Select Current Account customer, you can get other benefits. While you can't open these accounts anymore, you can still earn cashback.
Life insurance
- With life insurance, you’ll get life cover and terminal illness cover.
- It pays out if you die during the policy term. It also pays out if you are diagnosed with a terminal illness that meets the definition. To find out more, please read the policy conditions in the ‘Important documents’ section further down this page.
- The policy can cover you (single policy) or two people (joint policy). It’ll only pay out once. When a claim has been paid, the policy will end.
Critical illness
- Critical illness cover can give you and your loved ones peace of mind if you become critically ill.
- It aims to pay you a one-off lump sum if you're diagnosed with a critical illness that's covered.
- To find out what illnesses are covered, see the critical illness plan policy summary and policy conditions in the ‘Important documents’ section further down this page.
- The policy can cover you (single policy) or two people (joint policy). It’ll only pay out once. When a claim has been paid, the policy will end.
- Watch the video below to find out more about critical illness cover.
Things to consider
- Before you apply, read the eligibility conditions – you can find these in the policy summary.
- Your cover will end 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.
- See the full list of critical illnesses that are covered in the critical illness plan policy summary and policy conditions – you’ll find these 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. Get in touch with Aviva on 0800 141 3430. Lines are open 8am-6pm, Monday to Friday.
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Key Documents
Using a trust could prove tax-efficient
You can put your life insurance policy in trust. Doing this will:
- let the proceeds be paid to the intended beneficiaries
- shorten delays that might cause financial difficulties
- make sure the proceeds don’t form part of the estate for inheritance tax purposes.
If you're not sure whether to put your policy in a trust, then get advice from a legal specialist. Tax rules may change in the future.
See our forms below for more information
Aviva Guide to Protection Trust
Aviva Discretionary Gift Trust Form
The Financial Conduct Authority and the Prudential Regulatory Authority don’t 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. Make sure you read all the information before getting a quote.
Santander will be paid commission from Aviva for any life or critical illness insurance that you purchase and this commission will be included in your premium. Santander also receives an annual amount from Aviva towards marketing activities, which can be used from time to time for promotional offers such as cashback, vouchers or discounts. If you came from a third-party website and you take out a life policy, Santander will make a payment to the website you found us on.