Aviva Adviser: Life Insurance

Protect your clients and their families

Life cover with the flexibility of adding critical illness. Both types of cover include terminal illness cover.

Download your guide (PDF)

Includes Aviva DigiCare+

Aviva DigiCare+ is an app linking to services which help prevent, detect and manage health and wellbeing concerns.

Comprehensive

Includes a range of benefits and terminal illness cover.

Claims you can count on

Visit our claims hub for details of the claims we've paid.

Product details

Choosing Aviva Life Insurance+?

Flexibility - adaptable cover for your clients' needs and budget, with the option to add critical illness cover
You can count on us - in 2023 we paid out 99.3% of life insurance claims - paying £761m
We want to help your clients stay healthier - the Aviva DigiCare+ app and services help your clients look after their health and wellbeing
Complete cover that's simple to understand - use our What is protection? video as a starting point

What you get

Your client can choose life cover or life and critical illness cover. Cover can be set up on a level, increasing or decreasing basis and premiums can be guaranteed or on a reviewable basis.

This is a summary of what's available. For full terms and details, please see the policy summary or policy conditions.

Always included:

House purchase cover: Included with level or decreasing cover at no extra cost. If buying a house, it gives free life cover during the house purchase process.
Life change benefit: Lets your client increase their cover amount (limits apply) if their circumstances change. The increase will be on a new policy and their premiums will go up.
Separation benefit: Can be used to split a joint policy into two single policies.

Upgraded cover at extra cost:

Critical illness benefit: Your client is covered for 32 critical illness conditions and two additional critical illness conditions – less advanced cancer of the breast and less advanced cancer of the prostate.

Children's benefit: Included with life and critical illness cover. Your client’s children are covered from age 30 days until their 18th birthday (or 21st birthday if in full-time education). It includes children’s critical illness benefit, children’s hospital benefit and children’s death benefit.

Upgraded critical illness benefit: Only available with life and critical illness cover. Covers your client for 15 further full payment conditions and 26 further additional critical illness benefits. It also covers hospital benefit – if your client spends seven consecutive nights in hospital, we’ll pay £100 a night from the eighth night onwards for up to 30 nights. Your client is also covered for pregnancy complications which pays £5,000 per affected pregnancy.

Upgraded children’s benefit: Only available with life and critical illness cover. Covers 20 further children’s critical illness conditions and 7 enhanced payments with the 12 conditions covered under child extra care cover. It also includes advanced illness cover from birth to age 22, and children’s death benefit, covering from 24 weeks of pregnancy.

Total permanent disability: Only available with life and critical illness cover. Pays out the full cover if your client is unable to perform their job or can’t complete three of the listed activities of daily work.

Waiver of premium: We’ll pay your client’s premiums for them if they can’t work because they’re ill or injured.

Pay extra for these benefits:

Global Treatment: Gives your client access to overseas medical treatments.
Extra care cover: Only available with life and critical illness cover. Provides extra support for named conditions before the age of 55. It could also pay out if your client can’t complete three of the listed activities of daily living, either when they claim or for up to 12 months afterwards.
Fracture cover: Pays a lump sum in the event of a fractured bone.

Additional benefit:

The Aviva DigiCare+ app, available with eligible personal protection policies, offers a range of health and wellbeing services and tools to help prevent, detect and manage common health and wellbeing problems directly from your clients' phone or device.
Aviva DigiCare+ is a non-contractual benefit Aviva can change or withdraw at any time. Terms and conditions, residency restrictions and privacy policy apply, and can be found within the app.
Find out more

Making a claim

From filling out paperwork to answering questions about funeral arrangements, we aim to make a difficult time a little easier.

To make a claim, your clients can call the team on:

0800 015 1142

Calls may be monitored and/or recorded.

If online is easier they can fill in an online form telling us they need to make a claim.

Check out our track record

Visit our claims hub for details of the claims we've paid and the great work we do to support your clients when they need us most.

Quote, apply and track cases online

Visit ALPS

Key documents and resources

View document library

Technical guide to protection

Step by step guide to selling protection

What is Protection video

Customer guide to Aviva DigiCare+

Optional benefits

All available at an additional premium

Global Treatment

Global Treatment could give your clients the power of choice and make overseas treatment possible at a time when they'll want to explore all the options.

Find out more (PDF) about Global Treatment