Comprehensive review of Aviva's over 50s life insurance. With guaranteed acceptance for ages 50-85 and no medical exams required, discover if Aviva offers the right coverage for you with policies from just 20p-a-day (£2,000 - £20,000 cover available).
By: Rosie Ritchie Protection Expert Updated: 4th January 2026
Compare Life Insurance Quotes »Aviva is an award-winning insurer, offering financial protection to UK customers for more than 300 years. As the UK's largest insurer, they provide guaranteed acceptance over 50s life insurance with no medical exams required.
In this review, we examine the key features, benefits and customer reviews of Aviva over 50s life insurance to help you decide if it's the most suitable option for your needs.
Taking out an over 50s plan could help to:
Aviva's over 50s policy offers cover from £2,000 to £20,000 with premiums starting from just 20p per day. Acceptance is guaranteed for ages 50-85 regardless of your health condition.
Aviva is a global insurance company and the largest insurer in the UK, with over 18.5 million customers across key markets. Founded in 1696 (formerly Norwich Union until 2009), they have over 300 years of experience protecting UK families.
Aviva offers a range of life insurance products including:
Their strong financial stability rating and excellent claims record (95%+ payout ratio) make them a trusted choice for over 50s life insurance.
While Aviva is a reputable provider, comparing them against other over 50s insurers ensures you get the best value. Premiums can vary significantly between providers for the same level of cover.
Benefits of comparing through LifePro:
Our comparison service helps you evaluate Aviva alongside other leading providers like Legal & General, LV=, SunLife, OneFamily, and Royal London to ensure you're getting the most competitive premiums.
Over 50s life insurance is a type of policy that allows you to leave a cash payment behind for your family members upon death.
It’s designed for people aged over 50 who may find it difficult to secure standard types of life insurance due to their age, health or occupation, as there are no medical or lifestyle questions during the application process (you will need to provide your smoking status).
You could purchase an over 50s plan to:
Enter your financial commitments below to understand the level of over 50 life insurance you require.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Aviva Over 50 Life Insurance, and find the right level of cover for your needs at the best available price.
Compare Life Insurance Quotes »Premiums for over 50s life insurance typically range from £10-£50 per month, depending on your age, smoking status, and the level of cover you choose. Policies are available with guaranteed acceptance for ages 50-85.
No, over 50s life insurance requires no medical exams or health questions. Everyone aged 50-85 is guaranteed acceptance regardless of their health conditions.
Most insurers pay out within 7-14 days of receiving the death certificate and completed claim form. This ensures your family can cover funeral expenses and other costs promptly.
Yes, Aviva is one of the few over 50s life insurance providers that accepts applications from people aged up to 85, making them the best option for older applicants. Most other providers (Legal & General, SunLife, OneFamily, Shepherds Friendly, British Seniors) have maximum age limits of 80, meaning if you're 81-85, Aviva may be your only choice for guaranteed acceptance over 50s cover. This extended age range gives older individuals who still want to arrange funeral cover or leave a cash gift to family the opportunity to get insured when other doors are closed. However, premiums for ages 81-85 are significantly higher than younger ages due to increased mortality risk - for example, an 82-year-old might pay £60-80/month for £5,000 cover compared to £30-45/month for a 70-year-old. Despite higher costs, Aviva's age 85 acceptance provides valuable protection for those who missed getting cover earlier.
Aviva's optional funeral payment service allows your life insurance payout to go directly to your chosen funeral director, rather than to your beneficiaries as a cash lump sum. Here's how it works: When you take out the policy, you can nominate a specific funeral director to receive funds. Upon your death, your family contacts Aviva and the funeral director. Aviva pays the funeral director directly (up to the policy amount), covering funeral costs immediately without your family needing to find money upfront. If funeral costs are less than your cover amount, excess funds go to your beneficiaries. If costs exceed your cover, your family pays the difference. This service removes financial stress during bereavement and ensures funeral expenses are definitely covered. However, it locks you into a specific funeral director - if they increase prices or you want to switch to cheaper options like direct cremation elsewhere, there's less flexibility compared to standard cash payouts where family can shop around.
Aviva over 50s life insurance offers good value for specific circumstances, but isn't always the cheapest option. Aviva's strengths include: Largest UK insurer with strong financial stability, accepts ages up to 85 (highest in market), 12-month qualifying period (better than Legal & General's 24 months), optional funeral payment service, and 95%+ claims payout ratio. However, Aviva's premiums are often higher than mutual insurers - for example, a 65-year-old seeking £5,000 cover might pay £24-28/month with Aviva vs £18-22/month with OneFamily or Shepherds Friendly. Aviva represents good value if you're: Over 80 (may be only option), want the security of the UK's largest insurer, value the funeral payment service option, or prefer a household name brand. However, if you're 50-80 and simply want the lowest premium with guaranteed acceptance, mutual insurers typically offer better value. Always compare quotes from Aviva alongside OneFamily, Legal & General, and SunLife to determine best value for your specific age and needs.
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