Aviva: Comprehensive Life Insurance & Protection Solutions

If you’re thinking about life insurance or income protection, chances are you’ve come across Aviva. As one of the longest-standing names in insurance, Aviva offers a range of protection products designed to provide peace of mind to individuals, families, and businesses. But understanding exactly what’s on offer, and whether it’s right for you, can be a challenge without guidance.

That’s where Kerr & Watson comes in. As a specialist mortgage and protection brokerage, we help you make informed choices about your cover. From breaking down the jargon to comparing products across providers, we’re here to ensure you’re confident about your decision.

Who Are Aviva?

Aviva is one of the biggest and most trusted names in the protection market. With a history that stretches back over 300 years, the company has built a reputation for reliability, flexibility, and customer service. Their life insurance products are designed to protect what matters most, your family, your home, or your business, should the unexpected happen.

They also offer a wide selection of optional extras, including critical illness cover, and tools to help you maintain good health and wellbeing throughout the life of the policy.

What Types of Cover Does Aviva Offer?

Aviva provides a variety of protection products to suit different circumstances. These include:

Level Term Life Insurance: Pays out a fixed lump sum if you pass away during the term. Ideal for family protection or interest-only mortgages.
Decreasing Term Life Insurance: Designed to align with a repayment mortgage. The payout reduces over time as your mortgage balance decreases.
Whole of Life Insurance: Guarantees a payout whenever you die, offering long-term peace of mind, often used for inheritance planning or funeral costs.
Over 50s Life Insurance: Guaranteed acceptance for people aged 50 to 80, with no medical required. Aimed at covering funeral costs or leaving a small gift to loved ones.
Critical Illness Cover: Optional add-on that pays a lump sum if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke.
Income Protection: Provides monthly payments if you’re unable to work due to illness or injury. Available in short or long-term options.

These policies can often be customised with joint cover, children’s benefits, and waiver of premium in case of illness.

What Makes Aviva Stand Out?

Aviva’s appeal lies not just in the breadth of their cover, but in the extras they provide. One of the standout features is Aviva DigiCare+, which includes:

Access to 24/7 virtual GP services
Mental health support and counselling
Health checks and second medical opinions
Personalised fitness and nutrition plans

These services are included with many policies at no extra cost and are designed to support you in staying healthy, not just protected when things go wrong.

Another useful benefit is terminal illness cover, which comes as standard with most policies. This pays out early if you are diagnosed with a terminal illness and expected to live for less than 12 months.

How Much Does Aviva Life Insurance Cost?

Premiums depend on several factors including your age, health, lifestyle, and the type and length of cover you choose. Here’s a general idea of what you might expect:

A healthy 30-year-old looking for £200,000 of cover over 25 years could pay around £10 per month (subject to change so take professional advice).
Add-ons such as critical illness cover or increasing your sum insured will affect the cost.
Smokers or those with medical conditions are likely to see higher premiums.

What’s most important, though, is not just finding the lowest price, it’s finding the right cover for your needs. That’s something we specialise in at Kerr & Watson. We help you balance affordability with the level of protection you genuinely require.

Is Aviva the Right Provider for You?

Aviva is a good fit for many people, particularly those looking for reliable, mainstream cover from a well-established provider. It’s also a strong option if you value added health services and flexible policy options.

However, no single insurer is right for everyone. While Aviva is known for good support services and claim payment history, other providers may offer better terms depending on your age, health, or budget.

If you have pre-existing health conditions, work in a specialist profession, or want business protection cover, there may be alternatives that better suit your specific needs.

At Kerr & Watson, we review your circumstances and recommend the most suitable insurer from across the market, not just Aviva.

Business Protection with Aviva

If you’re a business owner, Aviva also offers protection products designed to help keep your business running in challenging times. These include:

Key Person Cover: Protects the business if someone vital to its success falls seriously ill or dies.
Relevant Life Insurance: A tax-efficient way for businesses to offer life insurance to employees.
Shareholder Protection: Ensures funds are available to buy back shares if a business owner passes away.

If your business relies on specific people to operate smoothly, these policies can provide vital continuity. We can help assess your business risk and recommend the right structure.

How Do You Make a Claim?

In the unfortunate event that you or your family need to claim, Aviva has a straightforward process in place. Most claims can be initiated online or by phone, and they have a team dedicated to supporting families during these difficult times.

Claim statistics are a useful way to understand how likely an insurer is to pay out. Aviva has consistently high claim acceptance rates, which adds an extra layer of reassurance when choosing their products.

Why Speak to Kerr & Watson?

Choosing the right protection isn’t just about picking a provider, it’s about making sure your cover works for you. That’s where Kerr & Watson adds real value.

We’re not tied to one insurer, which means we can compare Aviva against other leading providers to ensure you’re getting the best fit. We also take the time to understand your goals, your budget, and your family or business circumstances.

From your first conversation through to application and beyond, you’ll have access to a knowledgeable adviser who can guide you at every step.

You don’t have to make these decisions alone, and you shouldn’t.

Conclusion

Aviva is a respected name in the life insurance and income protection space, with a wide range of products and added wellbeing services that make it a compelling option for many. But the right cover is always personal.

At Kerr & Watson, we help you figure out what really matters, and then find the product, whether it’s with Aviva or another provider that gives you confidence and peace of mind.

If you’re considering life insurance, income protection, or critical illness cover, get in touch with Kerr & Watson today for expert, honest advice tailored to you.

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Frequently Asked Questions About Aviva

▸ ▾ Is Aviva a good insurance provider?

Aviva can be a good protection provider for the right person, offering cover that may include life insurance, critical illness cover, income protection and other protection options. The right insurer depends on your health, age, occupation, budget and the type of cover you need.

▸ ▾ Can Kerr & Watson help me apply to Aviva?

Yes, Kerr & Watson can help you compare Aviva with other insurers and decide whether Aviva is suitable for your protection needs. If Aviva is the right option, we can help prepare and submit the application.

▸ ▾ Does Aviva offer life insurance?

Aviva may be considered for life insurance to help protect a mortgage, family income or wider financial responsibilities. The right level and type of life cover depends on your mortgage, dependants, income and long-term plans.

▸ ▾ Does Aviva offer critical illness cover?

Aviva may offer critical illness cover, subject to product availability and underwriting. This type of cover can provide a payout if you are diagnosed with a serious illness listed in the policy.

▸ ▾ Does Aviva offer income protection?

Aviva may be an option for income protection, depending on your occupation, income, health and requirements. Income protection can help replace part of your income if illness or injury prevents you from working.

▸ ▾ Will Aviva accept me with a medical condition?

Aviva may consider applicants with medical conditions, but acceptance and terms depend on the condition, severity, treatment, history and underwriting. Kerr & Watson can help present your application clearly and compare other providers if needed.

▸ ▾ Is Aviva good for mortgage protection?

Aviva may be suitable for mortgage protection, but the best provider depends on your mortgage balance, term, health, age and whether you want life cover only or critical illness included. Kerr & Watson can compare options before you apply.

▸ ▾ How much does Aviva life insurance cost?

The cost of Aviva life insurance depends on factors such as your age, health, smoking status, cover amount, policy term and type of cover. Comparing quotes across the market can help ensure the policy is suitable and cost-effective.

▸ ▾ Can Aviva life insurance be written in trust?

Life insurance can often be written in trust, depending on the policy and your circumstances. A trust can help the payout reach the intended beneficiaries more efficiently, so it is worth discussing this when arranging cover.

▸ ▾ Is Aviva the best insurer for me?

Aviva may be suitable, but it will not be the best insurer for every customer. Kerr & Watson can compare Aviva with other providers and recommend cover based on your personal, family and mortgage protection needs.

Common Insurance Provider Questions

▸ ▾ How do I know which insurance provider is right for me?

The right insurance provider will depend on the type of cover you need, your age, health, lifestyle, occupation, budget and the reason for taking out the policy. Some insurers may be stronger for life insurance, while others may be more suitable for income protection, critical illness cover, private medical insurance or business protection. An adviser can compare providers and help recommend cover that suits your circumstances.

▸ ▾ Do all insurance providers offer the same cover?

No. Insurance providers can offer different policy features, definitions, exclusions, underwriting rules, claims processes and optional extras. Two policies may look similar at first, but the quality of cover can vary significantly. This is why it is important to compare more than just the monthly premium.

▸ ▾ Is the cheapest insurance provider always the best option?

Not always. The cheapest policy may not provide the most suitable cover for your needs. It is important to consider what the policy covers, what it excludes, how claims are assessed, whether optional benefits are included and whether the provider’s underwriting is suitable for your circumstances.

▸ ▾ Why use an insurance adviser instead of applying directly?

An insurance adviser can help compare providers, explain the differences between policies and recommend cover based on your needs. This can be especially useful if you are protecting a mortgage, have a family, are self-employed, have pre-existing medical conditions, work in a higher-risk occupation or want to make sure the policy is set up correctly.

▸ ▾ Can an adviser compare multiple insurance providers?

Yes. An adviser can compare a range of insurance providers and policy types, helping you understand which options may be suitable. This can include life insurance, critical illness cover, income protection, private medical insurance and business protection, depending on your needs.

▸ ▾ Do insurance providers assess medical history differently?

Yes. Insurance providers can take different views on medical history, medication, BMI, smoking, family history and previous health conditions. One provider may offer standard terms, while another may increase the premium, exclude a condition or decline cover. Choosing the right provider can make a significant difference.

▸ ▾ Can I get insurance if I have a pre-existing medical condition?

You may still be able to get insurance if you have a pre-existing medical condition, but the terms will depend on the condition, severity, treatment, recovery, time since diagnosis and the type of cover required. Some insurers may be more flexible than others, so it is worth getting advice before applying.

▸ ▾ Do insurance providers check my medical records?

Some insurance applications can be accepted based on the information provided in the application, while others may require additional medical evidence. This could include a GP report, nurse screening, medical exam or further questions from the insurer. The level of underwriting depends on the provider, policy type, cover amount and your medical history.

▸ ▾ Will an insurance provider pay out if I make a claim?

A valid claim should be paid if it meets the policy terms and the information provided at application was accurate. Claims can be affected if the condition is not covered, an exclusion applies, premiums have not been maintained or important information was not disclosed when applying. This is why it is important to answer application questions carefully.

▸ ▾ Can I have more than one insurance policy?

Yes. Many people have more than one insurance policy, especially if each policy has a different purpose. For example, you may have life insurance to protect a mortgage, income protection to replace earnings if you cannot work, and critical illness cover to provide a lump sum following a serious illness. The right combination will depend on your needs and budget.

▸ ▾ Should I review my insurance if my circumstances change?

Yes. It is sensible to review your insurance after major life changes, such as buying a home, remortgaging, having children, changing jobs, becoming self-employed, increasing your borrowing or starting a business. Your existing cover may no longer match your needs, or there may be better-suited options available.

▸ ▾ Can Kerr & Watson help me choose between insurance providers?

Yes. Kerr & Watson can review your circumstances, compare suitable insurance providers and explain which options may be available. We can help with life insurance, critical illness cover, income protection, private medical insurance, business protection and cover for more complex circumstances.