Li insurance. Life Insurance, Family Protection - Santander UK

Provided, administered and underwritten by Aviva Life & Pensions UK Limited. Family life insurance.

At Santander we offer life insurance and critical illness insurance from Aviva to protect your family and lifestyle.

Life insurance: this aims to pay out a one-off lump sum if you die or are diagnosed with a terminal illness within the term of the policy.

Critical illness insurance: this aims to provide a one-off lump sum payment in the event of you being diagnosed with a specified critical illness covered by the policy. Not all conditions are covered.

Different products are available through our branches to those offered online and over the phone.

There are some important things to consider before you apply

To make a claim for critical illness, you will need to meet the policy definition, which could require you to have permanent symptoms, an illness of a specified severity or undergo surgery.

Not all critical illnesses are covered. For a full list of illnesses that are covered by the plan available online and over the phone, you should refer to the Critical Illness Plan Policy Summary and the Critical Illness Plan Policy Conditions which are in the Terms & Conditions tab.

When a claim for the main benefit has been paid, your policy will end and cover will stop.

If you stop paying premiums, your cover will end, and you will get nothing back.

At the end of your policy's term, your premiums will stop, your cover will end and you will get nothing back.

Ensure you are aware of the eligibility criteria before applying for a product, which can be found in the 'More Details' tab.

Go to the 'Get a quote' tab for a Life Insurance and/or Critical Illness quote.

Provided, administered and underwritten by Aviva Life & Pensions UK Limited

Time life insurance

There are different types of cover available to support your family and lifestyle which include:-

Decreasing cover: this runs for a fixed period with the lump sum reducing each month over the term of the policy.

For example, decreasing cover is sometimes used to cover debts or the cost of raising children. The lump sum will reduce each month as the amount required to repay outstanding debts decreases or the need to provide ongoing support for children reduces as they get closer to financial independence. The premium will remain the same.

Increasing cover: runs for a fixed period and the lump sum factors in the rising cost of living.

As time goes by, it's expected that the cost of living will go up - it's what's known as inflation. By choosing increasing cover you can help protect against the future effects of inflation, as the cover amount increases in line with the Consumer Prices Index (CPI). As the cover amount rises over time premiums will also increase in accordance with the policy conditions.

If you are still not sure on what you need, watch our video on types of cover

Different products are available through our branches to those offered online and over the phone.

Not all medical conditions are covered. For a full list of illnesses covered by the plan please read the Critical Illness Plan Summary and the Critical Illness Plan Policy Conditions in the Terms and Conditions tab.

Provided, administered and underwritten by Aviva Life & Pensions UK Limited

To make it as easy as possible for you to manage your Aviva policy, they provide the following:

A dedicated customer service team, managed by Aviva Life & Pensions UK Limited

Available to support you with any queries on your policy

Call 0800 141 3430. Lines are open 8am to 8pm Monday to Friday, 8.30am to 5pm Saturday and 10am to 4pm Sunday and bank holidays. Closed on Christmas Day, Boxing Day and New Years Day

Buy life insurance online

A claims team, managed by Aviva Life & Pensions UK Limited

Available to support you with your claim

Call 0800 015 1142. Opening hours are 8.30am-5.30pm Monday to Friday

You can put your life insurance policy in trust.

The lump sum paid out on death is currently free from income and capital gains tax.

Your policy may be subject to inheritance tax unless you put it in a suitable trust. If you're unsure on whether you should put your policy in trust you should seek specialist legal advice. Tax rules may change in the future.

The Financial Conduct Authority and the Prudential Regulatory Authority do not regulate taxation and trust advice

Before getting a quote, please read the policy summary and policy conditions below

Different products are available through our branches to those offered online and over the phone.

Provided, administered and underwritten by Aviva Life & Pensions UK Limited

The products we offer over the phone and online differ from those available in our branches.

The products available through our branches are: combined life & critical illness insurance; standalone life insurance; and standalone critical illness insurance on a level, decreasing and increasing basis. They’re offered on an advised basis.

Any application will include medical and lifestyle questions to allow underwriters to assess it.

Insurance sales

These products are sold by Santander and provided by Aviva

If you would like to speak to someone who can provide information on a non-advised basis to enable you to make an informed choice, please call 0800 783 0083 for a quote or to find out more.

Lines are open 9am to 8pm Monday to Friday and 9am to 4pm Saturday. Calls may be recorded or monitored.

The products available in our branches are:

Combined Life and Critical illness insurance which would pay out in the event of either diagnosis of a critical illness that meets the policy definition, or death, during the policy term

Standalone Life insurance which will pay out on death during the policy term

Standalone critical illness insurance which would pay out in the event of diagnosis of a critical illness that meets the policy definition during the policy term

In branch we offer level, decreasing or increasing options available on an advised basis. Find your nearest branch

If you would like advice, you can arrange an appointment in a branch by calling 0800 068 6699.