Training Example: Aviva plc – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1] 5 Star car, home and travel insurance
When you insure with Aviva Signature, you can relax knowing you’re covered with a Defaqto 5 Star rated product. Motor insurance Home insurance Travel insurance
[H3] Car insurance
More information  for Car insurance Get a quote  Get a car insurance quote Retrieve a quote  Retrieve a car insurance quote Make a claim  Make a car insurance claim I’m an existing customer  I’m an existing car insurance customer
[H3] Home insurance
More information  for Home insurance Get a quote  Get a home insurance quote Retrieve a quote  Retrieve a home insurance quote Make a claim  Make a home insurance claim I’m an existing customer  I’m an existing home insurance customer
[H3] Life insurance
More information  for Life insurance Get a quote  Learn about life insurance and get a quote Make a claim  Make a life insurance claim Over 50 life insurance  Learn about over 50 life insurance and get a quote I’m an existing customer  I'm an existing life insurance customer
[H3] Pensions and investments
More information  for Pensions and investments Our pension  Learn about our pension and apply Savings accounts  Learn about savings accounts and contact us Our ISA  Learn about our stocks and shares ISA and apply I’m an existing customer  I'm an existing customer with a pension, investments or retirement product
[H3] Health insurance
More information  for Health insurance Get a quote  Learn about health insurance and get a quote Call us  Call us for a health insurance quote Make a claim  Learn about how to make a claim I’m an existing customer  I'm an existing health insurance customer
[H2] Cover that keeps up with you
From the health of you and your loved ones to the protection of the home you live in, and even the car you drive around. If it matters to you, it matters to us.  Join the 20.5 million others who trust us with the things that matter most Footnote [1] There’s a reason we’ve been around for more than 325 years – our customers believe in us. We walk the talk – we put money back in your pockets We don’t just say we’ll help, we do it. In 2024 we paid out £29.3 billion in benefits and claims. Footnote [2] We’re here for you at every stage of life We'll help point you in the right direction, giving you a helping hand through the good times and the tough times.
[H3] Get health and money insights with Aviva Score
Answer a few questions about your lifestyle and finances, and we’ll help you with solutions and tasks to help you reach your financial and health goals. Discover Aviva Score
[H3] Make a claim with us
Understand more about how to make a claim with us, whether that’s on your car insurance, your home, or even your health. Explore claims
[H3] Get help with accessibility
From learning how to adapt our website to suit to your needs, to changing the way we communicate with you over the phone and in writing, we want to show up right for all our customers. Learn more about how we can support you
[H2] A helping hand to lead you where you want to go
We know our stuff, and we want to share it with our customers. We’ve got plenty of guides and tips within our knowledge centres to help shed some more light on what we offer, why we offer it, and how you can get covered with us.
[H3] Explore life
Visit our Life knowledge centre to learn more about how life insurance works and whether it might be right for you. Life knowledge centre "Read more about Explore life"
[H3] Explore health
Our health knowledge centre is a hive of information from our clinical experts, from musculoskeletal complaints to long-term conditions and menopause, and our best tips on your wellbeing. Health knowledge centre "Read more about Explore health"
[H3] Explore motor
Learn everything you need to know about vehicle cover from our motor knowledge centre. Motor knowledge centre "Read more about Explore motor"
[H3] Learn about Aviva Pension (SIPPs)
SIPPs (Self invested personal pension) don’t have to be overcomplicated. Answer all your questions about SIPPs and find out what you need to know with our guides. SIPP knowledge centre "Read more about Learn about Aviva Pension (SIPPs)" Back to start of main content

[H1] Health insurance
[H2] When it comes to health insurance, we've got you covered
Call free on 0800 015 9830 ^ Tailor your health insurance to fit your life Wellbeing services, including mental health support, physio, and Get Active discounts ‡ Digital GP appointments available 24/7 ‡ Get a quote Retrieve a quote Request a callback
[IMG: Defaqto 5 star PMI (Individual) expert rated]
Get a quote Retrieve a quote Request a callback
[H2] What is health insurance?
Health insurance can give you easy access to private medical treatment and consultations. You pay a premium, and we'll cover all or some of the costs of treatment for you, your partner, or any family members that are on the policy. We cover a range of acute short-term illnesses or injuries, as well as all stages of treatment for cancer. Our insurance gives you the flexibility to enhance or reduce this cover according to your budget and needs. Please note, we don’t cover chronic conditions (except cancer) or any pre-existing conditions  you had before you took out your policy with us. Private treatment could mean shorter wait times, so you don’t have to put your health on hold. You'll also get added benefits, like 24/7 access to GP video consultations‡ and discounts on products and services that can support a healthy lifestyle‡ . ‡ These services are non-contractual and can be changed or withdrawn at any time.
[H2] The benefits of our health insurance
[H3] It takes a name you can trust
Over 1.2 million people agree, and have health insurance with us, as at year to date September 2025.
[H3] Cut down the waiting time
Private health can help bring down how long you’ll wait for elective procedures, tests, and consultations, which can really benefit you if you have urgent health needs.
[H3] Wellbeing benefits and rewards
From mental health support to discounts on top brands (including Fitbit and Gousto) and health and fitness clubs nationwide – we've got you covered with our wellbeing services.
[H3] Extensive cancer care
Cancer diagnosis and treatment is covered as standard. Chemotherapy, radiotherapy and dedicated aftercare and monitoring are all covered, meaning you’ll have support at every stage of treatment and recovery.
[H3] Mental health cover
Common mental health conditions like anxiety, depression, eating disorders and OCD are covered for up to £2,000 of outpatient mental health treatment, including therapy and counselling. All you need is a GP referral. Get a quote ""
[H2] How much does health insurance cost?
The price of health insurance varies, but on average, our health insurance costs less than £47.00 a month Footnote [1]. That's equivalent to £1.53 a day – less than your daily coffee. Some of the main factors that influence price include: Age & location – as you get older, it may become more likely that you'll need to make a claim, plus some locations within the UK are more expensive than others for private healthcare. Claim history – the number of past claims you’ve made may impact your premium. Cover – the type of policy you choose will determine price, for example if you add family members or decide to tailor to your budget and needs. Policy excess – the higher your excess the lower your premium is likely to be.
[H2] Can I get a discount?
Existing customer discount Footnote [2] – as a reward for your loyalty, you’ll get up to 10% Footnote [3] discount Footnote [4] off your new health policy if you already own an Aviva product.  My Healthy Discount Footnote [5] - you could get up to 15% Footnote [3] discount Footnote [4] on your first year premium if you meet our health-related eligibility criteria. Read full T&Cs. Renewal price guarantee Footnote [5] – we guarantee your first renewal premium won't increase, as long as you haven't made a claim that's reduced your no claim discount level. T&Cs apply.
[H2] Who do we cover?
Choose who you want your health insurance to cover. Whether it’s just for you, for you and your partner, or a policy that includes immediate family members.
[H3] Individual cover
Get a quote
[H3] Joint cover
Learn more
[H3] Family cover
Learn more
[H2] Already have health insurance?
You’ll get all the benefits and flexibility of our health insurance when you join us, even if you switch from another provider.
[H2] Switch your health insurance
Move your cover from another provider to Aviva and join over 1.2 million people who choose us for health insurance. When you switch, you could carry over your medical underwriting and exclusions from your current policy, depending on the answers you give on your application form. Get a quote "Get a health insurance quote online here" Learn about switching "Learn more about switching health insurance here"
[H2] What does our health insurance cover?
Our health insurance is customisable to your budget and needs. Core cover comes as standard, but you can choose to enhance or reduce your policy as you wish.
[H2] Core cover
Benefits that come as standard with our health insurance: Consultations and/or treatment with a specialist Diagnostic tests Hospital charges Full cancer cover Out-patient mental health treatment With a choice of: Expert Select Guided hospital option Key hospital list Our standard list
[H2] Enhance cover
Enhance your cover with any of these optional add-ons. Choose from: Dental and optical Mental health upgrade – 28 days in or day-patient treatment Other treatment and therapies including GP referred osteopathy, physiotherapy, acupuncture and chiropractic treatment Extended hospital list Protected No Claim Discount More on enhancing cover "More on enhancing cover"
[H2] Reduce cover
Reduce your premiums by removing cover you don't want. Here's what you can remove: Reduced out-patient options Six week option Member excess options Signature hospital list Trust hospital list More on reducing cover "More on reducing cover"
[H2] What’s covered
Acute conditions Our health insurance covers treatment for short-term illnesses or injuries that respond quickly to treatment. Access to 100s of hospitals Whether you choose Expert Select or a hospital list, you can choose a wide range of private hospitals and facilities, including Circle, Nuffield, Spire and NHS private units. Extensive cancer care Cover for cancer diagnosis, treatment and aftercare as standard – read more about our cancer pledge. Hospital charges and specialist fees Comprehensive outpatient cover, including diagnostic tests, consultations with a specialist, treatment with a specialist, radiotherapy and chemotherapy. Mental health You’ll get up to £2,000 of cover for outpatient mental health treatment, including therapy or counselling, for conditions such as anxiety, depression, eating disorders and OCD. You’ll also get access to our Stress Counselling helpline and other physical and mental health benefits, as part of our wellbeing services.
[H2] What’s not covered
Chronic conditionsWe don’t cover a disease, illness or injury that needs ongoing or long-term care, such as diabetes, arthritis, epilepsy and asthma. Please note that cancer is covered as standard. Pre-existing conditionsWe won’t cover you for any medical conditions you have prior to joining us, unless your underwriting allows it. If you apply via moratorium underwriting then you don’t have to disclose any pre-existing conditions, unless there’s a claim. Find out more on how we deal with pre-existing medical conditions. Pregnancy and childbirthWe don’t cover treatment for pregnancy and childbirth but we do cover related conditions that can also be experienced outside of pregnancy and childbirth, and the specific complications listed in the terms and conditions Footnote [6]. Cosmetic procedures and overseas treatmentWe don’t cover cosmetic treatment (except following an accident or surgery for cancer) or treatment by providers that are overseas or not recognised by us. Healthier Solutions Insurance Product Information Document (PDF 98 KB) Healthier Solutions brochure (PDF 4.9 MB) Expert Select flyer (PDF 1 MB) Healthier Solutions terms and conditions (PDF 562 KB) Hospital Options (PDF 471 KB) About our insurance services (PDF 68 KB)
[H2] Wellbeing services included in your cover
MyHealthCounts A digital health and wellbeing tool designed to give you a better understanding of your current health and the lifestyle choices that impact it - with the potential to receive a discount on your renewal premium. Aviva Digital GP ‡ 24/7 access to GP video consultations, repeat NHS prescriptions and menopause support via our app, at no extra cost. Get Active ‡ Get fit and healthy with discounts on lifestyle products and access discounts at over 4,000 health & fitness clubs as well as at-home fitness products and online workouts. 24-hour Stress Counselling helpline Trained professionals, available 24/7, and ready to help if you need a supporting ear.  Mental health support ‡ Materials on a range of topics, designed to educate and support you and your mental health. Cancer Care with Get Active ‡ Discounts and services that can help with the daily lifestyle adjustments that a cancer diagnosis can bring. ‡ These services are non-contractual and can be changed or withdrawn at any time. More on our wellbeing services ""
[H2] Hear from Aviva Health customers
Honest experiences, shared by our health customers.
[H3] Karin's story
Karin was diagnosed with ovarian cancer in 2023. We sat down with her to learn more about her story. Watch Karin’s story
[H3] Maggie's story
When Maggie’s late husband was diagnosed with late-stage Pancreatic cancer,  they relied on Aviva for his treatment. Read about Maggie
[H2] Health insurance FAQs
[H4] Do I need to renew my policy every year?
Yes, you need to renew your policy every 12 months. We’ll send you a renewal invite around 30 days before your renewal date so you can check your details are correct and the cover still meets your needs. If you’ve previously filled out our MyHealth Counts health questionnaire, you’ll also discover if your Q score has helped you secure a discount. After checking all the renewal details, if you don’t need to make any changes, then simply leave the rest to us. On your renewal date, we’ll automatically renew your policy and take payment (using the payment details we have saved for you).
[H4] Does my health insurance cover me abroad?
No, our health insurance doesn’t cover you abroad. It only covers you in the UK, which means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. We don’t offer international health insurance.
[H4] Can I add others to my policy?
Yes, you can add other people to your policy if they’re part of your immediate family group. For example, this means you can add a spouse, a partner, or your children. If you add two or more children aged 19 or under, you'll only pay for the oldest (until they turn 20). Plus, adding your partner to your health insurance could mean you pay less than if you both had your own individual policies.
[H4] Are there any age limits to buying health insurance?
You need to be aged aged 18 to take out a Health insurance policy with us.
[H4] Will my health insurance premiums change every year?
How much you pay for your health insurance might change year-to-year. Because when we work out your renewal price, we consider several factors. Some of them are about you specifically, like your age or postcode. Others are about what’s happening in the world or the insurance market in general, like the cost of medical treatments increasing. Discover other factors that might cause your health insurance premiums to change.
[H4] Is your health insurance business included in Aviva’s Net Zero target?
At Aviva, we’re proud of our ambition to become a Net Zero company by 2040. We believe in taking action to help tackle climate change and are committed to reducing our environmental impact across our business. We are currently working to align our Health Insurance business with Aviva’s Net Zero transition plan. At this time, Health claims suppliers are not included in our Group’s ambition for 70% of suppliers to have validated Science Based Targets. This is due to a number of factors, including the diverse nature of our supply chain and the lack of an industry-agreed way to measure the carbon impact of health insurance claims at this time. We are actively working to change that and remain committed to evolving our strategy as industry guidance and standards develop. This includes developing a better understanding of the carbon emissions linked to the services and suppliers we use to fulfil claims. Our goal is to align our health insurance business with our transition plan as soon as we can - providing customers with treatment options that are clinically effective while also aiming to minimise carbon emissions wherever possible. To learn more about our Net Zero ambition and our progress, read our full Transition Plan (PDF 10.5 MB). See all health insurance FAQs
[H2] Still got questions?
Ask our chatbot for online help or to connect with our team. Chat now Please wait...
[H2] Ready to get a quote
When you get a quote from us, we’ll ask for a few details, including: Personal information – such as your name, date of birth and address When you want your cover to start – today or a date in the future The details of anyone else (such as a partner or children) to include on your policy. What type of cover you want – customise your policy by choosing add-ons and your hospital option. Any medical history – we’ll ask you to pick either moratorium underwriting or full medical underwriting, which deal with pre-existing medical conditions in different ways.
[IMG: Customer obtaining a health insurance quote online]
Get a quote "" Retrieve a quote "" Request a callback ""
[H3] Or call us free ^
0800 015 9830 Monday to Friday: 9:00am - 6:00pm Weekends and bank holidays: Closed ^ Calls may be recorded and/or monitored.
[H2] How to claim
Make a health insurance claim quickly online or over the phone. Find out more "Find out about how to make a health insurance claim here"
[H2] Learn about health insurance
We have a range of guides and tools to help you understand how health insurance works and what you’ll be covered for.  Mental health
[H2] Mindfulness in nature
Mindfulness activities in the outdoors could help your mental health. Cover explained
[H4] Are pre-existing conditions covered by health insurance?
Here's why your health insurance might not cover a pre-existing condition. Cover explained
[H4] How does private health insurance work
Explore the benefits, coverage, and limitations of private health insurance in our comprehensive guide. Conditions
[H4] Health insurance: the different types and how affordable they are
Before you buy health insurance, consider your needs and your budget
[H3] Alcohol units calculator
Use our alcohol units calculator
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[H1] Life insurance
[H2] Help protect your loved ones’ financial future
Choose your cover to suit your needs, from the amount you want to how long you want it for Get a quote  Navigate to the life insurance quote journey Calculate your cover  Navigate to the life insurance calculator Retrieve a quote  Navigate to the life insurance retrieve a quote Aviva Life Insurance has been awarded an overall rating of 4.7/ 5 from (64 reviews)
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Aviva Life Insurance has been awarded an overall rating of ( 4.7/5 from 64 reviews ) Get a quote Calculate your cover Retrieve a quote
[H2] What is life insurance?
Life insurance pays out a sum of money if you die while you hold the policy. Your loved ones could use the money to help pay bills or maintain their living standards when you're no longer here.  There are different types of life insurance: Term life insurance – which lasts for a specific length of time Whole of life insurance – which lasts your entire life
[H2] How our life insurance works
We’re talking about our Life Insurance Plan, which is a term life insurance. It’s easy to apply for it online and it could give you some peace of mind that your family are protected financially.
[H3] Lump sum payment
Life insurance pays out a lump sum if, during the term of the policy, you die or are diagnosed with a terminal illness that meets our policy definition, and you’re not expected to live more than 12 months. Once we pay out, the cover ends.
[H3] Cover choices
You choose level or decreasing cover, plus the length and amount of cover. The price you pay depends on those factors, plus your personal details, like your age, medical history and if you smoke.
[H3] Single or joint policy
You can take out a single policy, which covers one person. Or, you and your partner can take out a joint policy that ends when the first person dies or makes a successful claim for terminal illness. Both types of policy finish when the policy term ends.
[H3] Important to know
This isn’t a savings or investment plan - it only pays out on a successful claim. If you stop paying premiums or cancel your policy, your cover will end and you won’t get anything back. We won't pay out if you die in the first 12 months of the policy as a result of suicide or intentional, self-inflicted injury.
[H2] Who can apply for our Life Insurance Plan?
To apply for cover, you must be: aged between 18 and 77; and in the UK with a legal right to live there. You must consider your main home to be in the UK (which doesn’t include the Channel Islands, the Isle of Man or Gibraltar) and have no current intention of permanently moving elsewhere.  In most cases, you won’t need a medical exam. But if we do ask you to have one, we’ll cover the costs.
[H2] Important documents
Before you apply for life insurance, please read the Life Insurance Plan policy summary (PDF 104 KB) and the Life Insurance Plan terms and conditions (PDF 145 KB). You can also read more About our life insurance services (PDF 73 KB).  These are our current policy terms and conditions. If you have an existing policy please check your individual policy terms and conditions, as the cover offered may be different. Get a quote "Get a quote for life insurance" Calculate your cover "Explore Iour life insurance calcluator"
[H2] A little gift from us
[H2] Get an Amazon.co.uk Gift Card*
[H2] The small print
§ Apply for a Life Insurance Plan with us by 13 July 2026 and you can claim an Amazon.co.uk Gift Card*. It’s our way of saying thank you *Restrictions apply, see www.amazon.co.uk/gc-legal. There’s a maximum of one gift card per person and per policy. The gift card is a limited time offer. It isn’t part of the policy terms and benefits, and may be withdrawn or changed at any time. Once you’ve paid your sixth monthly premium, we’ll send you an email inviting you to claim your gift card within 28 working days. Offer T&Cs "Open PDF"
[H2] How much could you get?
After paying six monthly premiums, you'll be eligible to claim a gift card worth between £50 and £200. The value of your gift card depends on how much your monthly premiums are. £50 gift card – monthly premium of £5 to £9.99 (minimum total premium over six months: £30) £80 gift card – monthly premium of £10 to £19.99 (minimum total premium over six months: £60) £140 gift card – monthly premium of £20 to £29.99 (minimum total premium over six months: £120) £200 gift card – monthly premium of £30 or more (minimum total premium over six months: £180)
[H2] Types of life insurance you can get with Aviva
We offer two types of term life insurance: level cover and decreasing cover. These could help protect your loved ones for a fixed amount of time (otherwise known as a term). The type of cover you want may depend on what you want to protect and how much you’d like to pay each month. Find out more about the difference between level cover and decreasing cover.
[H3] Family protection – level cover
You’ll pay the same premium for this cover each month until your policy ends, and the lump sum payout out stays the same throughout the time you hold the policy. If you die during this time, your loved ones could use the lump sum to help them pay off debts or put it towards living costs and monthly outgoings, such as rent. Protecting your cover from the effects of inflation: With level cover you choose a lump sum payout, but over time that will be worth less due to inflation. You can help protect this lump sum payout against inflation by selecting increasing cover. The payout will then increase in line with inflation over time. For example, a £100,000 lump sum would still be £100,000 in 20 years' time, but it may not buy you as much as it would now because the cost of goods and services will have gone up with inflation. Show more on protecting your cover from the effects of inflation ""
[H3] Mortgage protection – decreasing cover
You may want to choose this type of cover to help your loved ones pay off a repayment mortgage or long-term loan if you die at any time during the policy term. The amount you have left to pay on your mortgage usually drops over time, so mortgage protection life insurance also goes down. That’s why it’s called decreasing cover and why it usually costs less than level cover. You choose how long you want the cover to last, and your monthly premiums will remain the same throughout the term unless you make changes to your policy. Read about mortgage protection life insurance ""
[H2] Benefits of our life insurance
[H3]
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You can count on us
When life takes an unexpected turn, our team handles claims with empathy and speed.
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Affordable cover
With premiums starting from as little as £5 a month, we put life insurance within reach of most families. The price you pay will depend on your personal circumstances and the amount of cover you choose and how long you want it for.
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House purchase cover
We’ll give you up to 90 days’ free life insurance when you’re buying a home. Terms apply. See policy conditions for full details.
[H3]
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Manage your cover online
We make it easy for you to stay on top of things with MyAviva. You can go online to check your cover, see your policy documents, and keep your details up to date. Log in to MyAviva ""
[H2] Access to wellbeing support
Along with your life cover, you'll get access to the Aviva DigiCare+app, provided by Square Health, who supply the services together with carefully selected partners. This is a non-contractual benefit we can change or withdraw at any time. You can find terms and conditions and the privacy policy in the app. Residency restrictions apply.
[H3]
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Digital GP consultations
Get quick and easy access to unlimited Digital GP consultations – 24/7, 365 days a year.
[H3]
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Mental health support
Build positive mental health through consultations with a mental health therapist.
[H3]
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Nutrition support
Improve your eating habits with expert nutritional advice.
[H3]
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Second medical opinion service
Get peace of mind with a second opinion on your medical diagnosis and treatment from a specialist. More about Aviva DigiCare+
[H2] Why choose our life insurance?
We already protect millions of customers with different types of life insurance, so you can trust us with yours. If you already have another policy with us, we'll give you 10% off your new life insurance premium to say thank you for coming back to us. T&C's apply. Footnote 1 We’ve been rated as 5 Stars by Defaqto, one of the UK’s most trusted sources of financial products and market intelligence. An Aviva Trust could give you more control over who your money goes to after you die. Discover more
[H2] How do I get a life insurance quote on the phone?
We only need a few details from you to get started with your life insurance quote, such as the type, length, and amount of cover, plus your personal details. It will only take a few minutes. Lines open 8am to 6pm, Monday to Friday. Closed on Saturday and Sunday. We may record or monitor telephone calls. Call us free on 0800 068 5549  Call us free on 0800 068 5549
[H2] Learn about life insurance
Having life insurance can help protect the ones you love. In our selection of articles, we share useful insights and information to help you explore your options. Take a look and see how you can protect your family today.  Cover explained
[H2] Life insurance and inheritance tax
Learn about tax thresholds and how putting your life insurance in trust could help your loved ones. Life insurance
[H4] Types of life insurance
Understand the different types of life insurance you can choose to take out. Life insurance
[H4] Should you put your life insurance in trust?
Find out why it could be a good move to put your life insurance policy in a trust. Life insurance
[H4] What happens to a life insurance policy when someone dies?
Learn what to do when you need to make a claim.
[H3] Life insurance calculator
Try our life insurance calculator and see how much cover you could get. Life insurance calculator Learn about life insurance
[H2] Life insurance FAQs
[H2] Can I cancel my Life Insurance Plan at any time?
Yes, you can. When you first buy a policy, you have 30 days from either the day we tell you your policy will start or the day you get your policy documents (whichever is later) to change your mind. If you cancel during this 30-day cooling off period, we'll refund any premiums you've already paid. You can still cancel your policy at any time after the first 30 days, but we won’t refund any premiums you’ve already paid. Remember, your life insurance policy is not a savings or investment plan. It only pays out on a successful claim. By cancelling you won't be able to make a claim.  If you're thinking of leaving us, we can help you consider your options. If you decide you do want to cancel, we’ll make it as easy as possible. All you need to do is contact us. Or you can write to Aviva Life, Norwich BCC, PO Box 520, Norwich, NR1 3WG.
[H2] Should I put life insurance in a trust?
If your life insurance policy is in a Trust, we may be able to pay the claim quicker than if your policy isn’t in a trust, provided there is at least one surviving trustee. It could also help keep the payout outside the scope of Inheritance Tax. If you're considering a trust, talk to a financial adviser. Bear in mind that tax rules may change in the future. If you don’t have a financial adviser, you can find one at unbiased.co.uk. Please be aware that you may need to pay for this advice.
[H2] What's the difference between our Life Insurance Plan and our Over 50s Life Insurance?
Our Life Insurance Plan covers you for a specific amount of time, but our Over 50s Life Insurance covers you for the rest of your life. The lump sum payout on Over 50s Life Insurance is usually much smaller than the payout on a Life Insurance Plan. The other difference is that you can’t take out a joint policy for our Over 50s Life Insurance. Over 50s Life Insurance You must be aged between 50 and 80 and a UK resident. You pay the same premium for life, and you won’t need a medical or health check. The cover amount is fixed so it’s real-life value will go down over time because of inflation. You can hold a number of policies, but there’s a maximum premium limit of £100 across all policies. You can choose either the level of cover you want or a premium you’d like to pay each month. You’ll no longer pay premiums once you’ve had your policy for 30 years or from the policy anniversary after your 90th birthday. However, your cover will continue. For our Over 50s Life Insurance, we’ll pay the full cover amount if you die after the first 12 months. We’ll also pay the full amount if you die from an accident during the first 12 months of the policy. If you die within the first 12 months of cover from anything other than an accident, we’ll pay an amount equal to the premiums  paid. Depending on how long you live, you may end up paying more in premiums than the amount we pay out when you die. Life Insurance Plan You must be aged between 18 and 77 to apply, and your cover stops at the end of the policy term. We’ll ask you a few health and lifestyle questions when you apply. You choose a cover amount and if you want your cover to stay the same, rise in line with inflation, or go down over time in line with a repayment mortgage or loan. You can take out a single or joint life insurance policy. Neither of these products are savings or investment plans. They will only pay out on a successful claim. If you’re not sure which one might be right for you, speak to a financial adviser.
[H2] Is a life insurance payout taxable?
If you receive a life insurance payout, you won't need to pay capital gains tax, or income tax - but you might need to pay inheritance tax, unless the money is placed in a trust.
[H2] Can I have more than one Life Insurance Plan?
Yes, you can have more than one life insurance policy. If your combined cover is for a high amount, we might need to do a more in-depth financial assessment to make sure we're insuring you for the right amount.
[H2] What can I do if I am struggling to keep up with my monthly payments?
If you’re feeling any financial pressure, we're here to help you. You can explore options like reducing your monthly payments by lowering your cover amount or shortening your policy term, which could make things more manageable. We also offer a cost of living support scheme. This lets you lower your payments for now, with the freedom to increase them again in 12 and/or 24 months when you’re back on track.
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[H1] Aviva Financial Advice
[H2] Shape your future with a financial adviser
You can get our expert, personalised advice if you have £300,000 or more in total across all your pension and investment savings. Arrange a call  Click here to fill out our form and arrange a call back Figure out your next steps  Figure out your next steps
[H2] Why get financial advice?
We know our customers can feel overwhelmed by the number of financial decisions they have to make. Aviva Financial Advice will help you build a personalised plan for your future – covering everything from pensions and investments to protection. Here are three key goals you may need our advice to support with.
[H3]
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Save for your dream retirement
Get expert help with managing your pensions and plan for the retirement you want. Explore pension advice "Explore pension advice"
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Make your money work harder
We can help you achieve your investment goals with a portfolio tailored to you. Explore investment advice "Explore investment advice"
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Defined benefit pensions
Our team can help you make sense of your defined benefit pension options and refer you to a licensed specialist for advice. Explore defined benefit advice " Explore defined benefit advice" What if my pension or investments are under £300,000?
[H2] Why choose an Aviva financial adviser?
We’re a team of expert advisers, with years of experience across financial services, wealth planning and retirement. A 30-minute call could shape your next 30 years. Start by speaking to our Customer Engagement Team to get a feel for whether advice is right for you. There's no cost for your first call with us, or for your first meeting with an adviser. We'll always be up-front with you about our fees, and there's no obligation to go ahead. So you can explore your options pressure-free. As part of the Aviva group, you're backed by a trusted name. We've got deep roots in financial services and a long-standing commitment to customer wellbeing. None of our advisers work on commission for pension or investment advice – their focus is on giving best advice rather than selling products.
[H2] Find your path to financial confidence
Stuck on where to go next for help with your finances? Use the Aviva Wealth Compass to help you figure out your next steps. Get started  Get started
[H2] Who are our Aviva financial advisers?
Our team of financial advisers can help you plan for the future you’ve always wanted. They’re available to work with you in person, online or over the phone. Here are just a few of the experts that make up our advice team to give you an idea of the experience and knowledge we bring.
[H3] Meet Sophia
Passionate about making your money work for you, Sophia offers bespoke wealth planning to clients at every life stage. With many years in the industry, Sophia brings a wealth of knowledge to support you in achieving your financial goals.
[H3] Meet Matthew
Matthew brings experience from financial services and at a FTSE 100 private client firm. Currently working towards becoming a Chartered Financial Planner, Matthew can help you build a personalised wealth plan.
[H3] Meet Nikki
Nikki is passionate about helping her clients build their wealth – supporting them throughout retirement. Nikki works with you to demystify the world of finance and can help you implement a bespoke plan to provide an income once you retire.
[H3] Meet Shamil
Shamil has over 10 years’ experience in the UK and the Middle East, building strong, lasting relationships with his clients. Shamil can help you navigate complex financial landscapes to achieve your financial goals. Find a financial adviser near me
[H2] Learn about financial planning
Our range of guides and articles can help you understand financial advice and how it works.
[H2] Inheritance tax – what it is and how it works
Our simple guide will help you get to grips with inheritance tax.
[H4] Financial advice costs explained
Find out more about the different charges you may need to consider before taking financial advice.
[H4] What’s the difference between financial guidance and advice?
Explore the difference between advice and guidance, independent and restricted in our financial advice guide.
[H4] Helping you with estate planning
Find your way around tricky estate planning words and where to begin with some help from our guide.
[H3] Inheritance Tax calculator
Plan ahead and work out how much you might have to pay. Calculate inheritance tax
[H3] Capital Gains Tax calculator
Check if you might need to pay tax on your investment profits. Calculate capital gains tax
[H3] Investment calculator
Understand where investing for the long term could take you. Try our calculator Learn about financial planning
[H2] Frequently asked questions
[H4] What are the benefits of financial advice?
Financial advice can help in different ways. A regulated adviser can cut through the financial jargon, look at your situation and your goals, and use their expertise to help you answer the big (and small) financial questions in your life. The aim is to achieve better financial outcomes in the long term, by sharpening up your plans and helping you to avoid costly mistakes. This, in turn, could encourage you to think about your money day to day, leading to healthier financial habits. And having that plan in place may also provide reassurance and confidence about your future. Generally, you're not required by law to get financial advice, but life might feel less stressful knowing an adviser has your back.
[H4] How much does financial advice cost?
Financial advice can seem expensive. But you’re paying for expertise that can help focus your plans and make your money work harder towards achieving them. The expectation being that this leads to better long-term outcome for your finances – for example through improved returns and tax efficiency – than if you didn’t take advice. There's no cost for your first call with us, or for your first meeting with an adviser. This will be to discuss your financial goals and help decide if advice is right for you. After that, your adviser will take you through all the charges up front before you decide to proceed. You don’t need to pay those charges up front, and they can come from your investments instead.
[H4] Where can I find financial advice near me?
You may find it easier and more helpful to talk to an adviser in person. If you’re considering advice through Aviva, you’ll find advisers in locations right across the UK. If you find there aren’t any available in your area, our advisers are able to help on the phone or online. See where our advisers are based.
[H4] When would I need financial advice?
The simple answer is as early as possible. Even small tweaks to your finances now could have a big impact in the years ahead. You might especially consider advice when your finances are complicated, for example if you have a wide range of investments, or a number of pensions in different places. Or if you're starting to plan your retirement or thinking about estate planning, now might be a good time to get financial advice. There are also moments through your life that might make you rethink your plans, such as: a new job or career change getting married or divorced starting a family getting a lump sum, such as an inheritance buying or selling a house
[H4] What is tax relief?
It’s money you get on top of your regular contributions into your pension. It comes from the government, to get more people paying into a pension. The amount of tax relief you get depends on your income. Your adviser will take you through all the ins and outs, so you don’t miss out on anything you’re owed. Tax benefits are dependent on individual circumstances and are subject to change. Read more about tax relief. Read all our advice FAQs
[H2] What are my options?
[H3] How can I get financial advice?
If you already have a financial adviser, you may wish to consult them. Or if you're looking for a financial adviser, you can find a list of regulated financial advisers at MoneyHelper. If you have £300,000 or more in total across all your pensions and investment savings, then get in touch with us.
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Arrange a call back
Request a call with one of the team at a time that works for you. Arrange a call "Arrange a call"
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Give us a call
Get in touch with us on 0800 092 3107.
 We're available Monday to Friday, 9:00am to 5:00pm.
[H3] What if I'm not ready to get advice?
If you don't have £300,000 or more in total across your pension and investment savings, or you’re not sure financial advice is for you, don’t worry. We’ve got lots of helpful guides, tools and other information to help you manage your money.
[H3] Help planning your retirement
Explore our pension products to see how we can help you on your journey towards retirement. Get retirement support "Get retirement support"
[H3] Explore our investment products
We’ve got investment products to suit everyone - from pensions to ISAs.  Invest with Aviva "Invest with Aviva"
[H3] Get free pension guidance
Pension Wise provides free, impartial help on your retirement options if you're aged 50 or over.  Visit Pensions Wise "Visit Pensions Wise"
[H3] Discover MoneyHelper
MoneyHelper is a government-founded service that provides guidance on managing your money. Visit MoneyHelper "Visit MoneyHelper" Back to start of main content