Mortgage life insurance

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

Protect your mortgage

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

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

Protect your mortgage

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

All customers


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

New and existing Santander mortgage customers get an extra £50


Get £150 cashback if you’re a mortgage 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 This offer can be withdrawn at any time.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 (pdf) (582 KB)

What you can get

  • If you’re a 1I2I3, 1I2I3 Lite or Select Current Account customer other benefits are available
  • Life insurance from Aviva, the UK's largest insurer
  • 99.3% of Aviva life insurance claims paid out in 2020 (source: Aviva)
  • House purchase cover - free cover from exchange to completion when you buy a property

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Using a trust could prove tax-efficient

You can put your life insurance policy in trust.

The lump sum paid out on death is currently free from income and capital gains tax. Your policy may be subject to inheritance tax unless you put it in a suitable trust. 

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.