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Aviva Life Insurance Review - Trusted UK Protection for your Family

Aviva Life Insurance

Aviva Life Insurance is provided by Aviva Life & Pensions UK Limited, one of the UK’s largest insurers. The policy is designed to give a tax-free lump sum if you die during the term or are diagnosed with a terminal illness, helping your loved ones cover living costs, debts, or mortgage payments.

Aviva focuses on straightforward, flexible term life cover, including level cover, decreasing cover, and optional add-ons, with premiums starting from £5 per month, making it accessible to most UK families.

What types of Life Insurance do Aviva provide

Aviva Life Insurance offers a variety of options to meet different financial protection needs:

Family Protection – Level Cover

Fixed lump sum payout
Monthly premiums stay the same throughout the policy term
Covers debts, daily living costs, and other financial obligations
Option to select increasing cover to protect against inflation

Mortgage Protection – Decreasing Cover

Cover reduces over time in line with your mortgage balance
Designed to pay off repayment mortgages or long-term loans
Usually lower-cost than level cover
Premiums remain consistent throughout the term

Optional Features

Critical illness cover (additional premium)
Terminal illness benefit included as standard
Family income benefit to provide regular payments instead of lump sum

Policy Benefits

Affordable and Flexible

Premiums start from £5 per month
Covers single or joint policies (joint cover ends when the first person dies)
Online management via MyAviva to check cover, update details, and access documents
Up to 90 days of free cover when buying a home (terms apply)

Customer-Focused Service

Claims handled with empathy and speed
Access to wellbeing services to support your health and lifestyle
Defaqto 5-Star rated, reflecting product quality and reliability

What's Covered

Aviva Life Insurance pays a lump sum if:

You die during the policy term
You are diagnosed with a terminal illness and expected to live less than 12 months

Funds can be used to:

Maintain living standards for your family
Pay off debts or mortgages
Cover funeral costs or leave a financial legacy

What's Not Covered

Not a savings or investment plan – only pays on a successful claim
Suicide or intentional self-harm excluded in the first 12 months
Cover ends if premiums are missed or policy is cancelled
Optional add-ons like critical illness may have exclusions

Applicants must be aged 18–77 and living in the UK. Most applications do not require a medical exam, but if one is needed, Aviva covers the cost.

How to get Life Insurance

Fill in our form

Just a few simple questions that should take no more 1 minute to complete.

We'll call you

One of our team will call you to discuss your cover needs in more detail.

Choose your cover

We will share with you the best cover for your needs from the market. Once you confirm we will take care of the rest. Simple.

Cost & Affordability

Premiums depend on:

Age and health
Type of cover (level or decreasing)
Sum assured and term length
Optional add-ons such as critical illness cover

Starting at £5 per month, Aviva Life Insurance provides budget-friendly protection with flexible options.

Testimonial

Trusted Life Insurance Advisor

Get expert guidance tailored to your needs. We help you choose the right life insurance plan to

secure your family’s future with confidence and peace of mind.

    
 
 
       Posted on Google  
   
   Scott Fancett 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
      Posted on Google  
   
   Morphey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Perfection. Nothing more to it. Highly recommend.
  
 
      Posted on Google  
   
   Nigel Rowe 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic to see all of the recent reviews following the change in ownership. We will keep on doing what we do best, listen, offer best advice and deliver on our promises.
  
 
      Posted on Google  
   
   Wayne Shinn 
 
 
 
 Trustindex verifies that the original source of the review is Google. First class service, very knowledgeable explained all the covers and no pressure sales. Just wanted to ensure you had the right cover to protect you and your family.
  
 
      Posted on Google  
   
   Gerrard Ward 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service.
Clear concise details of policies, costs and benefits and always available for any additional info requested or clarification calls. No hassle service service with no pressure to jump in and sign until you are completely satisfied with offering.
  
 
      Posted on Google  
   
   Kelly 
 
 
 
 Trustindex verifies that the original source of the review is Google. Received a call from Nigel having entered my details online.
Being a single mum I wasn’t sure what was best; I was advised on all options available for me.
All info was sent to me via email for my perusal and this was followed up with a call.
Nigel was very professional, not pushy at all! I very much trusted his advice; and I have since gone on to recommend him to my family and friends.
  
 
      Posted on Google  
   
   Danny Israel 
 
 
 
 Trustindex verifies that the original source of the review is Google. Incredibly helpful, knowledgeable and professional.
All questions answered in a timely manner, with no pressure applied.
Highly recommend Nigel and the team.
  
 
      Posted on Google  
   
   Jake Dewhirst 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have a 1 year old son so know I needed some insurance in case anything happened to me. I enquired through their website and received a call.

The advice offered was clear and made very simple. I believed that they genuinely had my best interests in mind when offering a solution.

I was sent an email and given time to decide which policy to opt for. There was no pressure and at no point did I feel rushed or obligated.

Policies taken out and very happy with service received.

Would not hesitate to recommend these guys.
  
 
      Posted on Google  
   
   Cameron 
 
 
 
 Trustindex verifies that the original source of the review is Google. I enquired for some quotes and got a call back the same day. They were extremely helpful and recommended me the best options and quotes for my circumstances. I wanted to change from my past insurer due to issues trying to get in contact, however over the last 6 months of using now Insured Life I will never look back. Never have issues getting in contact, any worries or questions I have get answered honestly and quickly and also the friendliest and most understanding insurer I’ve spoken to. Will 100% recommend this insurer to anyone looking for support.
  
 
      Posted on Google  
   
   Peter Ward 
 
 
 
 Trustindex verifies that the original source of the review is Google. The policy was discussed with me in detail and very clearly so I knew exactly what was covered in my plan. Brilliant service helped me find the best deal possible, I would highly recommend.

Our Verdict

Aviva Life Insurance is a reliable, flexible, and affordable term life insurance option for UK residents. It is ideal for families, homeowners, and individuals seeking straightforward protection from a well-established insurer.

Before applying, compare quotes, review policy documents, and ensure the cover meets your family’s financial needs.

Compare Life Insurance Quotes

Comparing life insurance quotes is the smartest way to find the right level of protection at the best price. Whether you're looking for term life insurance, whole life cover, or critical illness protection, our expert advisors help you compare multiple policies from trusted UK providers — all in one place.

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