Review of Aviva's over-50s life insurance. Check the current eligibility, cover amounts, qualifying periods, exclusions and premiums, then compare them with other providers.
By: Howard Gregory, Founder & Director · Updated: 4th January 2026
Run a Free Quote Comparison »Aviva is a UK insurer established in 1696. Check the provider's current over-50s policy eligibility, cover limits, qualifying period, exclusions and terms.
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 within limits set by the provider. Premiums depend on the applicant's circumstances and chosen cover. Check the current eligibility criteria, qualifying period and policy terms before applying.
Aviva is a global insurance company founded in 1696 and formerly operated under the Norwich Union name. Check the provider's current company and product information at the original source.
Aviva offers a range of life insurance products including:
Check Aviva's current financial-strength rating and published claims data directly at the original dated sources.
Compare Aviva's current eligibility, cover, qualifying period, exclusions, terms and personalised premium with other available providers.
Benefits of comparing through LifePro:
Our comparison service lets you evaluate Aviva alongside providers such as Legal & General, LV=, SunLife, OneFamily and Royal London, comparing cover, terms and quoted 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 comparison service to compare available policies, premiums and cover from a wide range of UK insurers.
Run a Free Quote Comparison »Premiums depend on your age, smoking status, chosen cover and the provider's current pricing. Check the product's eligibility, qualifying period, exclusions and terms alongside a personalised quote.
Some over 50s policies do not ask medical questions, but eligibility rules, age limits and qualifying periods vary. Check Aviva's current acceptance criteria and when full cover begins.
Claim times vary according to the policy, information required and the insurer's assessment. Check Aviva's current claims process and required documents at the original source.
Maximum application ages and acceptance criteria can change. Check Aviva's current eligibility, cover limits, qualifying period and policy terms, then compare the personalised premium with other options available for your circumstances.
Check Aviva's current product documents to confirm whether a funeral payment service is available, how a funeral director is nominated, what limits and conditions apply, and how any remaining benefit is handled. Compare those terms with a standard cash payout before choosing.
Whether an Aviva over-50s policy is suitable depends on your age, circumstances and the current product. Compare eligibility, cover limits, qualifying periods, exclusions, optional features, policy terms and personalised premiums with other available providers. Check current ratings and claims data directly at their original dated sources.
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