Protect your clients and their families
Life cover with the flexibility of adding critical illness. Both types of cover include terminal illness cover.
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.
Includes access to Aviva DigiCare+
Aviva DigiCare+ is an app linking to services which help prevent, detect and manage health and wellbeing concerns.
Product details
Choosing Aviva Life Insurance+?
- Flexibility - adaptable cover for your clients' needs and budget, with the option to add critical illness cover
- 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.
Life Insurance+ is available on a single, joint life first event or joint life second event basis.
This is a summary of what's available. For full terms and details, please see the policy summary or policy conditions.
Always included: Show more Show less
- 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.
- Inheritance tax benefit: Included with level or decreasing cover at no extra cost. Take out additional cover if a change in inheritance tax legislation results in an increase to your client's inheritance tax liability without the need for further underwriting.
- Gift inter vivos benefit: Included with joint life -second event cover. Lifetime gifts made seven years before death may be subject to inheritance tax (IHT).
The Gift Inter Vivos benefit enables clients to convert their existing cover into new policies, specifically designed to help mitigate any IHT exposure resulting from such gifts. This provides a practical and flexible solution for clients looking to manage estate planning risks effectively.
Upgraded cover at extra cost: Show more Show less
- 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: Show more Show less
- Global Treatment: Global Treatment: Gives your clients access to world-class treatment abroad for serious medical conditions. Global Treatment is provided in conjunction with Further Underwriting International SLU.
- 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: Show more Show less
- 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.
- The Aviva DigiCare+ app is provided by Square Health and the services are provided by Square Health and other third party providers.
- 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:
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
Optional benefits
All available at an additional premium
Global Treatment
Global treatment supports your clients with expert guidance, helping them make well-informed decisions while enabling access to overseas care when exploring all available treatment options.
Global treatment provides expert guidance to support informed decisions and facilitates access to overseas care to explore all the options.
Fracture Cover
Pays a one-off sum if your client suffers from one of 18 specified fractures during a 12 month period.
Extra care cover
An additional £50,000 when critical illness has a prolonged, life changing impact
Business support
Doing protection business just got easier
High value protection
Our most comprehensive and personalised level of support.
Online services
Helping you and your clients get the most out of ALPS.
Underwriting centre
Full of information, tips, and resources making the underwriting process quicker and easier for you.
Claims hub
How we make a positive difference for you and your clients.
Protection support
Resources to help and support your protection.
Macmillan Cancer Support
Proving our partnership is here to support both you and your clients impacted by cancer.
Tools & calculators
Useful tools and support making life easier for you and your clients.
Haven't found what you're looking for?
See our contact us page for a full directory.