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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

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What you can get

If you’re a 1I2I3, 1I2I3 Lite or Select Current Account customer other benefits are available
Life protection from Aviva, the UK's largest insurer

98.6% of Aviva life insurance claims paid out in 2019 (source: Aviva)
House purchase cover - free cover from exchange to completion when you buy a property

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Life insurance

Life insurance provides life cover and terminal illness cover
It pays out if, during the policy term, you die or are diagnosed with a terminal illness that meets the definition. For more information, please read the policy conditions in the important documents section.
The policy can cover you (single policy) or two people (joint policy). It will only pay out once. So when a claim has been paid the policy will end.

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Critical illness

Critical illness insurance aims to pay a one-off lump sum if you're diagnosed with a specified critical illness within the term of the policy (not all conditions are covered). For more information, please read the policy conditions in the important documents section.
The policy can cover you (single policy) or two people (joint policy). It will only pay out once. So when a claim has been paid the policy will end.

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Combined life and critical illness insurance

Taking out a combined insurance would provide cover in the event of a critical illness or death. The policy is designed to pay out once, either for critical illness or for death. You can apply for combined life and critical illness with one of our branch advisers.

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 and level cover explained

Decreasing cover runs for a fixed time, with the level of cover reducing each month for as long as the policy lasts. It’s used to cover a repayment (capital and interest) mortgage and should be sufficient to clear the debt as long as all mortgage repayments are made. The monthly payments, known as premiums, remain the same.

Level cover runs for a fixed time with the level of cover and premium staying the same for the life of the policy. It is commonly used to protect an interest only mortgage.

If you want to apply for level life or critical illness cover, you can do this with one of our branch advisers.

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 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.
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.

Important documents

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Existing customers

How can we help you?

Policy in trust

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.

Mortgage life protection

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