Public Limited Company
Aviva was officially formed in 2000 as a result of a merger between CGU PLC and Norwich Union. It adopted the name Aviva in 2002.
With 44.5 million customers in 28 countries, Aviva has become one of Europe’s leading insurance providers as well as one of the largest insurers in the world.
In 2016, Aviva gave £11.3m to promising community projects and paid out £34.4bn to customers in benefits and claims.
As one of the top providers of Life Insurance in Europe, Aviva offers comprehensive cover that can be tailored to your needs.
Overview of Key Policy Details
Level Term / Decreasing Term / Increasing Term / Whole of Life / Family Income Benefit
Single Cover / Joint Life, First Event
Full Medical Underwriting
Guaranteed / Reviewable
Terminal Illness Cover
Optional Critical Illness Cover
Critical Illnesses Covered
Upgraded Critical Illness Cover adds 13 more full-payment critical illnesses to your cover and Upgraded Additional Critical Illness Cover adds 36 more ‘additional critical illnesses’.
Children’s Critical Illness Cover
Waiver of Premium
Minimum Entry Age
18 years old
Maximum Entry Age
Available if the policyholder:
Available only if the eldest life covered is under 55 and your policy is accepted on standard terms.
Self inflicted injury or suicide within 12 months of the policy start date.
Aviva’s Life Insurance policies are highly flexible and can be tailored to offer either cost-effective or comprehensive Life and Critical Illness cover.
Included with Aviva Life and Critical Illness cover, your policy will pay out if the person covered is placed on the NHS waiting list for any of the surgical treatments outlined included on Aviva’s surgery list. The policy will end after the payment of this benefit has been made.
If you are diagnosed with any of the conditions covered by Aviva’s Additional Critical Illness Cover, the benefit that they will pay out will not be taken away from your main benefit.
Included as standard, if a child covered by your policy dies before the age of 18, Aviva will pay out £5,000 to be put towards funeral costs or bereavement counselling.
In the instance that your child is in hospital for more than 7 consecutive nights, Aviva will pay for each night’s stay for a parent (except for the first 7 nights) up to a total of 30 overnight stays.
For an increase in premiums, you can upgrade your cover for Critical Illnesses and Additional Critical Illness. In addition to receiving full payment for all of the conditions covered by critical illness, upgraded critical illness cover will also cover for an additional 13 full-payment conditions while upgraded Additional Critical Illness cover will include an additional 36 partial-payment conditions.
For an increase in premiums, you can upgrade your policy’s cover for your child. An additional 8 conditions will be added to your child’s critical illness cover and you can receive cover of up to £50,000 for 12 conditions covered under extra care cover and advanced illness. Also included is an ‘advice illness’ benefit which will pay out £10,000 if your child is diagnosed with certain advanced illnesses.
You will be entitled to an additional £50,000 on top of your main benefit if you suffer from debilitating illnesses that have life-changing effects. This includes conditions such as dementia, Parkinson’s disease, locked-in syndrome and permanent severe heart failure.
Receive extra cover if you suffer from a fracture, dislocation, tendon rupture or ligament tear that is identified by your policy.
If you or your child is diagnosed with a serious illness overseas, Aviva will pay out a maximum of £1,000,000 per year (an overall maximum of £2,000,000) to cover the cost of care and treatments. This is available as long as you are still a permanent resident in the UK. Once you reach the maximum benefit within your policy term, this benefit will end.
This benefit is available for free on all of Aviva’s personal protection policies. This gives you access to a second medical opinion from Best Doctors, counselling and carer support, and access to the Bupa Anytime HealthLine. Bupa’s HealthLine puts you in touch with an experienced nurse over the pone to provide guidance and support 24 hours a day for any medical or health related issues you may have.
We try to find out everything there is to know about the policies we advise on to ensure that we are in the best position to match you with the most appropriate policy.
Below, we have answered a few frequently asked questions given to us by our customers about Aviva Life Insurance policies. If you need any further help, please do not hesitate to call us on 01273646484.
Independent Protection Expert at Drewberry
A. Splitting your policy will allow you to keep all of the same terms and cover without any further medical questions being asked of you.
Aviva will allow you to split a joint insurance policy if you and your partner divorce, transfer your mortgage into one name only or if you move into a new house.
Other terms that you will need to meet in order to have your joint policy split include the following:
A. Extra care cover is designed to provide support if you experience a life changing medical issue. Instances where you will be able to claim this benefit include:
A. The maximum cease age of Aviva Life policies will depend on the type of cover you choose. A standard life or increasing life policy has a maximum age of 91.
If you choose to add critical illness cover, however, having guaranteed premiums will reduce your policy’s maximum cease age to 76.
The different benefits that you can add to your policy each have their own cease age as well. There is a possibility that some of your benefits, such as waiver of premium, will end before your policy does and you will be left without that cover.
As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?
We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.
If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.Pop us a call on 02084327333 or email email@example.com.
Independent Protection Expert at Drewberry
I had the pleasure of dealing with Jake Mills in organising my insurance. Jake was fantastic to deal with — his patience and understanding really helped.