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  Free Parent Life Cover

A product which provides each parent who applies with £15,000 of free life cover per child. Cover lasts for one year from the date of acceptance and an application can be made from birth up until the child’s fourth birthday (joint cover is not available).

Apply

Need more information?

Call our protection sales and support team on:

 0800 056 2181
 Open Monday-Friday, 9am-5pm

Here are some of the features of Free Parent Life Cover:


  • Provides each parent who applies with £15,000 of free life cover per child. Cover lasts for one year from the date of acceptance and an application can be made from birth up until the child’s fourth birthday.
  • Applying only takes a few minutes.
  • Single life cover only.

 For further information, please read our Free Parent Life Cover Key Features document.

It's worth noting that your clients can only take out one plan per parent, for each child, regardless of whether the plan is taken out directly with Aviva or via a third party.

Here are some of the facts you need to know about the Free Parent Life Cover:


Criteria

Min/max

Details

Notes

Age limits

Min age

18

 
 

Max age

66

 

Eligibility

Max age of child

4

The child must be less than four years old when the cover is taken out. 

   

Parental status

The individual applying for the cover must be named on the birth certificate, full adoption certificate, final residence order or special guardianship order.



Residence

The individual applying for the cover must be a UK resident.  They must also remain a UK resident for the duration of the plan.  If they move outside of the UK, the plan will stop.  The UK doesn't include the Channel Islands or the Isle of Man.

It doesn't matter if the child was born abroad as long as the person applying for cover is a UK resident as described above.

Term

Max term

1 year

The cover will expire after one year from acceptance.

Cover limits

Max cover

£15,000 per parent, per child

Single life plan only.  However, both parents can take out a plan on the same child so they get £30,000 of free life cover.

Health conditions and exclusions

   

Your client can't apply for cover if they've had a positive diagnosis of HIV or received medical treatment for cancer (including leukaemia and lymphoma) in the last 12 months.

We won't pay claims where death is related to or caused by:

  • suicide

  • alcohol abuse

  • non-prescribed drug abuse

  • HIV related illnesses.

Charges:


There are no premiums for your clients to pay as this is a free product.

We've got a range of support on offer to help you talk to your clients about Free Parent Life Cover


Our sales support material makes it easier for you to target, and attract, new clients:

Visit the Free Parent Life Cover section in our library to see what else is on offer.

We have a wide range of support staff available to help you. You can find the right team to talk to on our contacts page.

All of the benefits, none of the cost


Even though we don’t charge a penny for our Free Parent Life Cover, your clients still get access to children’s bereavement charity, Grief Encounter.

Dealing with life insurance claims every day means we understand how losing a loved one can affect a child’s long term future. So if your client passes away, we’ll automatically give each of their children the option of being referred to Grief Encounter.

The support children get depends on their individual circumstances. It can be anything from help over the phone to one-on-one counselling and group activities.

Grief Encounter is a non-contractual service and may be removed at any time.

Here is some information to help you decide if your client is eligible for our Free Parent Life Cover:


Designed for clients who

Not designed for clients who

  • Want to take the first step in protecting their family

  • Have a child who is up to four years old

  • Are UK residents (Channel Islands and Isle of Man are excluded) and remain residents for the duration of the plan

  • Are named on the birth certificate, full adoption certificate, final residence order or special guardianship order

  • Are aged between 18 and 66

  • Have not received a positive HIV diagnosis or medical treatment for cancer (including leukaemia and lymphoma) in the last 12 months

  • Have a child who is more than four years old

  • Are not UK residents
  • Are not named on the birth certificate, full adoption certificate, final residence order or special guardianship order

  • Have received a positive diagnosis of HIV

  • Have received treatment for cancer (including leukaemia and lymphoma) in the last 12 months

Key considerations


  • Level of cover required (if they need more than £15,000, they will need to apply for additional cover separately)

 

If your clients need to claim, we’ll do all we can to reduce their stress and anxiety at what is an incredibly difficult time.


From help with filling out paperwork to answering questions about funeral arrangements, we’ll be there for your clients, and their families, when they need us most.

To make a claim, they can call the team on:

 0800 015 1142

Or, if they can’t face talking about what’s happened, they can get the process started online instead. Our dedicated claims website includes a form your client can fill in to tell us they need to make a claim. There’s also a step-by-step guide to making a claim and the answers to some frequently asked questions.

Contact us

You can find contact details for each product area in the drop-down list:

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WA02195 07/2016