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This Aviva life coverage policy is underwritten and administered by means of Aviva life & Pensions united kingdom confined trading as Quotemehappy.com.Any references to ‘we’, ’us’ or ‘our’ confer with Aviva until stated otherwise.This summary offers you an overview of what a existence insurance coverage is. It does not provide the entire details. We’ll start with the simple facts at the subsequent web page, then give you more element within the rest of the document.For the total phrases of the coverage, have a observe the separate document, called the ‘policy conditions’.in case you buy this policy, we’ll send you a third file – the ‘policy agenda’. this will be customized to you, so it’ll show you what’s blanketed on your unique policy.

The basics

Money if you die or get ill

if you die even as you have a lifestyles insurance policy, we’ll pay out a lump sum.you may pick out existence cowl or lifestyles and critical infection cowl. With life cowl, we’ll pay if you die whilst you’ve got a policy. With existence and crucial contamination cover, we’ll pay if, at the same time as you’ve got a policy, you die otherwise you’re diagnosed with, or have surgical procedure for, one in all a listing of essential illnesses.both types of cover encompass terminal illness cowl. This pays you a lump sum in case you’re identified with a terminal infection before the ultimate 12 months of the coverage term.due to the fact the coverage relates to your fitness, when you follow you’ll should solution a few questions on your fitness and lifestyle – fully, truthfully and appropriately. if you don’t, we may amend or cancel your policy, or we won’t pay a claim.You want to frequently overview the quilt you have got to make certain it nonetheless meets your wishes.This is not the form of coverage that you could ‘cash in’ – so that you do not get any money in case you cancel it.

Choose how much we pay and how we pay it

you could pick the quantity of money we pay – that is called your cover quantity. you may additionally choose how long you want your policy to ultimate – this era is your coverage time period. this is critical due to the fact if any of the things we speak about on this summary occur outdoor the coverage time period, we received’t pay some thing.during the coverage term you pay us cash every month – your premium. if you stop paying your premiums or cancel the policy, you won’t be protected, and also you received’t get any money lower back.

Choose who we cover

You can choose to cover one person or two people – a single policy or joint policy.

Your cover and premiums

To get a life coverage coverage, you want to be currently dwelling within the united kingdom and meet our residency regulations. For more information in this, have a take a look at the eligibility section in your coverage situations. Your policy term may be among one and 50 years. this can be in entire years, or before you attain age 91 for life cover or age seventy six for life and crucial infection cover.you may pick life cover or existence and essential illness cover. the main blessings of every are described below. With a joint coverage, you can have distinctive cowl. So, one could have life cover and one ought to have lifestyles and essential contamination cover.

Life Cover

With life cowl, we pay a dying advantage if you die during your coverage term. however, we won’t pay it in case you die within the first one year of the coverage term because of suicide or intentional, self-inflicted harm.

Life and critical illness cover

lifestyles and critical illness cowl will pay out if you die at some point of the coverage term. additionally it is cover for you if, at some point of the
policy time period, you’re diagnosed with, or have surgical operation for:

• considered one of a list of critical illnesses, and
• you live on for as a minimum 21 days.
  We handiest cowl the critical illnesses we outline in our coverage and no others. You’ll find greater about the essential illnesses
  we cowl in the section starting on page four. you could also discover the criteria you need to meet to make a claim in your
  coverage situations.

Both kinds of cover include terminal illness cover

This will pay the quilt amount if:

• you’re diagnosed with a terminal contamination before the closing three hundred and sixty five days of the policy time period, and
• an attending consultant and our clinical Officer don’t count on you to stay longer than twelve months.
  you could locate greater facts in your policy situations.

Choose how you’re covered

you have got two alternatives.

1. stage cover
   We’ll pay a lump sum. the size of the sum remains the same for the duration of the coverage term.
2. decreasing cowl
   We’ll pay a lump sum. the scale of the sum goes down every month, at a fee set when you follow for your coverage. The
   ordinary motive for deciding on lowering cowl is in order that your lump sum roughly maintains song with what you have left to
   pay lower back on a loan, like a reimbursement mortgage

Your premiums

Your monthly charges rely upon what kind and quantity of cover you select, in addition to your age, career, health, life-style and smoking behavior.while you first practice for a coverage, we will provide you with a premium quote. This top class may additionally change once you’ve completed the utility technique.You’ll have guaranteed charges. this means the quantity you pay is the same each month.

Life and critical illness cover

in case you pick existence and critical illness cowl we’ll cowl you for 32 vital illnesses, two additional critical contamination situations and youngsters’s cowl.We’ll pay your complete cover amount if, throughout the policy time period, you are identified with, or have surgical operation for, this sort of defined illnesses and continue to exist for at least 21 days. you may find full definitions of these ailments, and the occasions in which you could claim, for your policy conditions.The definitions normally use clinical terms to explain the situations however, in a few cases, they also restriction the duvet. for example, we don’t cowl some varieties of most cancers. additionally, for some situations, you need to have permanent signs to make a declare.Your policy will quit when we pay out the lump sum. underneath we offer details of the crucial ailments which might be protected.

financial assist if your child is ill

that is known as kids’s vital contamination cowl.If in the course of the policy time period, any of your kids:• are diagnosed with one of the crucial ailments or additional critical illnesses we cover, and• continue to exist for 10 days after diagnosis,we’ll pay you the decrease amount of either:• £25,000, or• 50% of the cover amount.you may discover full info of when you could declare and definitions for these illnesses within your coverage situations. We’ll pay this cover as soon as for each infant.There are some circumstances when we won’t be able to pay a claim. We received’t pay if a toddler had the infection when they had been born – whether or not it become recognized at the time or not. We additionally cannot pay if a baby had symptoms earlier than the begin of your policy or earlier than they have been protected. And we received’t pay if you induced the contamination or circumstance through intentionally injuring your baby.

guide in case your infant dies that is referred to as youngsters’s lifestyles coverWe’ll pay £5,000.For greater information on all of those, have a study your policy conditions.

Contact us
Life Insurance Policy 9 Policy Summary
To make a claim
Call us on:
0800 015 1142
If you’re outside the UK, call:
+44 1603 603 277
option 1
For opening hours please visit aviva.co.uk
Calls may be monitored and will be recorded.
Contact us about your policy
Call us on:
0800 285 1098
If you’re outside the UK, call:
+44 1603 603 479
For opening hours please visit aviva.co.uk
Calls may be monitored and will be recorded.
Write to us at:
Aviva
PO Box 520
Norwich
NR1 3WG
Email us at:
protection@aviv