You may be able to provide financial security for the people who depend on you if the worst were to happen.
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Life Insurance is provided, underwritten and administered by Aviva Life & Pensions UK Limited – Only available to residents of the United Kingdom. Exclusions and eligibility criteria apply to this product. Please read this important information: Insurance: Important Information (PDF, 30 KB) or request a paper copy before you explore your life insurance options.
Why is life insurance important?
Life Insurance pays out a sum of money if, while you’re insured, you die or you’re diagnosed as terminally ill. It could help to pay off your mortgage or look after your family. You choose how much insurance you need, and how long you’d like it to last for. You can also insure just yourself or both you and your partner. Available to customers aged 18 – 77 at the time of applying. Critical Illness Cover can only be purchased together with a Life Insurance policy.
Level or Decreasing
With level cover the lump sum paid out at claim stays the same over the period you’re insured for. You choose how long you want to be insured for and how much to receive.
With decreasing cover the lump sum paid out at claim reduces over time, usually in line with your repayment mortgage.
Whatever kind of mortgage you have, bear in mind that if the full amount of your mortgage isn’t protected, then the lump sum paid out may not be enough to pay off your mortgage in full, should anything happen to you.
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Single or Joint
Usually when people have a joint mortgage, they take out a joint life insurance policy, but you can get a single policy just for yourself.
A joint policy could be used to pay off the mortgage when one person dies, but it will only pay out once. While this can seem the cheaper option, bear in mind that having two single policies means that two lump sums could be paid out.
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Term
You can choose how long you want to have life insurance cover for – usually this will be aligned to your mortgage, so it could be paid off if you die before the end of your mortgage term. If you choose a shorter term for your life insurance, your mortgage won’t be protected for its duration.
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Access to Aviva DigiCare+
When you open a new Life Insurance Plan, Critical Illness Plan, or Over 50s Life Insurance Plan you will have access to the Aviva DigiCare+ app.
The Aviva DigiCare+ app is provided by Square Health and the services are provided by Square Health, and a few carefully selected providers. You’ll get full details of how to download the app if you take out life insurance.
The app and services are non-contractual benefits that Aviva can change or withdraw at any time. Terms & conditions and privacy policy apply, and can be viewed within the app. Residency restrictions apply.
Unlimited 24/7 Digital GP
Quick access to unlimited digital GP consultations with a private UK registered GP, available 24/7, 365 days a year to you, your partner and children up to age 18 (or 21 if they’re in full time education)
Second Opinion Service
Access to an expert second opinion and treatment recommendation following a recent diagnosis, from a UK-based consultant.
Mental Health Support
Help and support for a wide range of mental health conditions, with quick access to qualified therapists via video or telephone consultations.
Nutritional Support
Expert nutritional advice and guidance on how to improve your eating habits as part of a healthy lifestyle.
Personal Training Service
Access to personal trainer consultations and a personalised fitness plan, to help set your fitness goals and talk through any challenges.