Over 50s

Over 50s Life Insurance

Provide your loved ones with a fixed lump sum upon death, which could be used to help towards funeral costs. Provided, administered and underwritten by Aviva Life & Pensions UK Limited

If you’re aged between 50 and 80, this policy could help provide your family or loved ones with a fixed lump sum upon death, which could be used to help towards funeral costs. 

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, 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 This offer can be withdrawn at any time.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

Applying for an insurance product online or over the phone is a non-advised service. If you need to speak to someone for help and support with your application, please call us on 0800 085 0540. For advice on our products, you can book an appointment with a branch adviser by using our online appointment booker 

Things to consider


  • If you don't pay your premiums during the premium term, your policy and your cover will end 60 days after your last payment was due and you won't get any money back.
  • The lump sum paid is fixed, so inflation will reduce what it can buy in the future. You should review your cover to ensure that it remains adequate over time.
  • Depending on how long you have the policy for, the amount paid out on your death may be less than the total amount you've paid in premiums.

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.

Over 50s Life Insurance has no cash-in value at any time, and exclusions and limitations will apply. For full details, please read the policy summary and policy conditions. Please make sure you read all the information provided before getting a quote.