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Protect your family and lifestyle

Life insurance and critical illness insurance

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

At Santander we offer life insurance and critical illness insurance from Aviva to protect your family and lifestyle.

Life insurance: this aims to pay out a one-off lump sum if you die or are diagnosed with a terminal illness within the term of the policy.

Critical illness insurance: this aims to provide a one-off lump sum payment in the event of you being diagnosed with a specified critical illness covered by the policy. Not all conditions are covered.

Different products are available through our branches to those offered online and over the phone.

There are some important things to consider before you apply

  • To make a claim for critical illness, you will need to meet the policy definition, which could require you to have permanent symptoms, an illness of a specified severity or undergo surgery.

  • Not all critical illnesses are covered. For a full list of illnesses that are covered by the plan available online and over the phone, you should refer to the Critical Illness Plan Policy Summary and the Critical Illness Plan Policy Conditions which are in the Terms & Conditions tab.

  • When a claim for the main benefit has been paid, your policy will end and cover will stop.

  • If you stop paying premiums, your cover will end, and you will get nothing back.

  • At the end of your policy's term, your premiums will stop, your cover will end and you will get nothing back.

  • Ensure you are aware of the eligibility criteria before applying for a product, which can be found in the 'More Details' tab.

Go to the 'Get a quote' tab for a Life Insurance and/or Critical Illness quote.

123 World Offer If you're a 1|2|3, 1|2|3 Lite or Select Current Account customer, discover extra benefits available to you on the ‘More details’ tab.

 


 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.
 

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

There are different types of cover available to support your family and lifestyle which include:-

Decreasing cover: this runs for a fixed period of time with the lump sum reducing each month over the term of the policy.  

  • For example, decreasing cover is sometimes used to cover debts or the cost of raising children. The lump sum will reduce each month as the amount required to repay outstanding debts decreases or the need to provide ongoing support for children reduces as they get closer to financial independence. The premium will remain the same.

Increasing cover: runs for a fixed period of time and the lump sum factors in the rising cost of living.

  • As time goes by, it's expected that the cost of living will go up - it's what's known as inflation. By choosing increasing cover you can help protect against the future effects of inflation, as the cover amount increases in line with the Consumer Prices Index (CPI). As the cover amount rises over time premiums will also increase in accordance with the policy conditions.

If you are still not sure on what you need, watch our video on types of cover

How much life cover might you need?

You can get an idea of how much cover you might need using our Life Cover Calculator

Life Insurance Plan - policy features 

  • Aims to pay out a lump sum if, before your policy ends, you die before or are diagnosed with a terminal illness, which meets the policy definition and your life expectancy is less than 12 months

  • Option to have a single or joint policy

  • If you have joint cover, the policy only pays out once.

  • Available to UK residents aged between 18 and 89

  • Policy term from 1 to 50 years, as long as it stops before you reach age 91.

Critical Illness Plan - policy features

  • Aims to pay out a lump sum if you are diagnosed with one of the specified critical illnesses covered by the policy and survive for 10 days

  • Critical Illness Plan does not pay out on death

  • Option to have a single or joint policy

  • If you have joint cover, the policy only pays out once.

  • Available to UK residents aged between 18 and 64

  • Policy term from 5 to 50 years, as long as it stops before you reach age 76

  • Automatically includes children’s critical illness benefit.


Different products are available through our branches to those offered online and over the phone.

Not all medical conditions are covered. For a full list of illnesses covered by the plan please read the Critical Illness Plan Summary and the Critical Illness Plan Policy Conditions in the Terms and Conditions tab.
 

123 World Offer

Earn cashback
Earn 2% cashback on Santander life protection premiums (policies administered and underwritten by Aviva Life & Pensions UK Limited) when you pay by Direct Debit from your 1|2|3, 1|2|3 Lite or Select Current Account.

The 1|2|3 Current Account and Select Current Account have a £5 monthly account fee and the 1|2|3 Lite Current Account has a £1 monthly account fee.
To earn cashback you must pay in at least £500 a month (excludes internal transfer) and have at least two active Direct Debits. 1|2|3 Lite Current Account customers must also log on to Online or Mobile Banking at least once in every three months.
Cashback is paid monthly. You may hold a maximum of two 1|2|3 Current Accounts or Select Current Accounts, one in your name and one in joint names. You must be 18 or over and a UK resident.

 


 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.
 

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

To make it as easy as possible for you to manage your Aviva policy, they provide the following:

A dedicated customer service team, managed by Aviva Life & Pensions UK Limited
Available to support you with any queries on your policy

Call 0800 141 3430. Lines are open 8am to 8pm Monday to Friday, 8.30am to 5pm Saturday and 10am to 4pm Sunday and bank holidays. Closed on Christmas Day, Boxing Day and New Years Day

A claims team, managed by Aviva Life & Pensions UK Limited
Available to support you with your claim

Call 0800 015 1142. Opening hours are 8.30am-5.30pm Monday to Friday

Trusts

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.

Find out more about the types of trusts including the trust forms

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

 


For policies taken before 30 June 2011 (underwritten by Royal London) call Royal London on 0345 741 3002. Lines are open 9am to 5pm Monday to Friday, and 9am-4pm Saturdays. You’ll need your policy number to hand.

 


 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.
 

 

Before getting a quote, please read the policy summary and policy conditions below 
 
Life Insurance Plan Policy Summary (pdf)
Life Insurance Plan Policy Conditions (pdf)
Critical Illness Plan Policy Summary (pdf)
Critical Illness Plan Policy Conditions (pdf)

To view these documents, you may need to download Adobe Reader

Different products are available through our branches to those offered online and over the phone.


 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.
 

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

The products we offer over the phone and online differ from those available in our branches. 
 
The products available through our branches are: combined life & critical illness insurance; standalone life insurance; and standalone critical illness insurance on a level, decreasing and increasing basis. They’re offered on an advised basis.

Please read the important information in the Life Insurance Plan Policy Summary (pdf) and the Critical Illness Plan Policy Summary (pdf)

Get an online insurance quote: for a    Life Insurance Plan      Critical Illness Plan


Any application will include medical and lifestyle questions to allow underwriters to assess it.

Retrieve a quote

Retrieve a quote that you have previously generated.

These products are sold by Santander and provided by Aviva

If you would like to speak to someone who can provide information on a non-advised basis to enable you to make an informed choice, please call 0800 783 0083 for a quote or to find out more.

Lines are open 9am to 8pm Monday to Friday and 9am to 4pm Saturday. Calls may be recorded or monitored. 

View call charges

The products available in our branches are:

  • Combined Life and Critical illness insurance which would pay out in the event of either diagnosis of a critical illness that meets the policy definition, or death, during the policy term

  • Standalone Life insurance which will pay out on death during the policy term

  • Standalone critical illness insurance which would pay out in the event of diagnosis of a critical illness that meets the policy definition during the policy term

In branch we offer level, decreasing or increasing options available on an advised basis. Find your nearest branch

If you would like advice, you can arrange an appointment in a branch by calling 0800 068 6699.
 


 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.
 

Call 0800 783 0083 for more information.

Santander Life Insurance Plan, Life & Critical Illness Plan, Critical Illness Plan and Over 50’s Life Assurance policies are administered and underwritten by Aviva Life & Pensions UK Limited, registered in England No 3253947, Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 185896. Member of the Association of British Insurers.www.aviva.co.uk

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.