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  Simple Life Insurance

Simple Life Insurance

Simple Life Insurance offers your clients protection that helps cover the essentials.


Enhanced cover and additional options aren't for everyone. Aviva's Simple Life Insurance could give your clients peace of mind without breaking the bank.

With clear eligibility criteria, instant decisions and no need for medical evidence as standard, Simple Life Insurance offers straightforward, value for money protection from a brand you can trust.



Quote and apply

You can call our protection sales and support team on:

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

Why choose Simple Life Insurance for your clients?

We’re committed to making it as easy as possible for you to understand which of your clients Simple Life Insurance could be right for. Use our helpful support materials below to find out more about Simple Life Insurance:

Underwriting guide


Underwriting questions answered

 Find out more

 

Adviser guide


Your guide to Simple Life Insurance

Find out more

 

Customer guide


Simple Life Insurance Customer Guide 

Find out more

 

Comparison guide


Simple Life Insurance vs Life Insurance

 Find out more

 

shieldBenefits included as standard


Simple Life Insurance comes with a number of benefits available at no extra cost:

  • Simple Life Insurance offers essential protection for your clients
  • Guaranteed Lump sum on death
  • Terminal Illness cover included
  • Guaranteed premiums starting from as little as £3.50
  • Level or Decreasing cover with selectable interest rates 
  • Immediate decisions
  • No medical referrals as standard

Here are some of the things you need to know about our Simple Life Insurance policy:

Cover types

Cover type

Detail

Level cover

  • Pays the cover amount as a lump sum if your client makes a successful claim.
  • The cover amount stays the same throughout the policy term.

Decreasing cover

  • Pays the cover amount as a lump sum if your client makes a successful claim.
  • The cover amount decreases each month broadly in line with the amount outstanding on a repayment loan, such as a capital and interest mortgage, using a fixed interest rate selected at the start of the policy.
  • Rates are available from 4% to 15%.

Limits


Criteria

Min/max  Detail

Notes

Simple Life cover

Min age at entry

Max age at entry

18

59

  • Pays out on death or terminal illness.
  • The plan must end before your client's 71st birthday.

Payment limits

Min premium

£3.50

  • Premiums must be paid by direct debit.
Cover limits

Max cover amount

18-39: £750k

40-49: £400k

50-54: £300k

55-59: £200k

 

Policy term 

Min term

Max term

1 year

40 years

 

Doing protection business just got easier

However you write protection business, we're committed to making it easier. We've produced a range of helpful support materials - all designed to save you time.

ALPS in focus ss


ALPS in focus guide


Understanding our system is key to making sure you are writing business with us in the most efficient and simple way. Use this guide to gain knowledge on what ALPS has to offer you whilst also discovering some of the tips and tricks that could save you time

Download the guide

 

Do business the way it suits you


No one likes repeating themselves. Read more about how our quote edit functionality provides the streamlined process you asked for.

Discover more

 

ALPS 1 page flyer

Always trying to improve


Last year, we introduced significant improvements to our system, making it easier, simpler and faster to use - no matter what type of protection business you write. See how these changes will benefit you.


Find out more

Guide to tracking


Start saving time by signing up for business tracking. Get real-time updates and stay on top of what's happening with your cases, without having to pick up the phone.

 

Find out more

You said, we did


We value your opinions. Providing solutions to the problems you face on a daily basis inspires us to constantly improve. Learn first hand why we do what we do.

 

Find out more

Family together

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters. Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We’re proud of the services we offer, helping your clients to live more healthily, caring for them through illness and injury and being there to support them and their family in the event of bereavement. 

Please be aware that all of the benefits listed below are non-contractual and we can remove them at anytime.

Wellness

Get Active Gym Discounts

We’d like to think we can help your customers stay healthy which is why your clients can take advantage of great gym discounts.

Bereavement

Estate Administration through MyDigiExecutor

Paperwork can be confusing which is why we offer a discounted fixed fee legal and probate service. Providing digital and over the phone assistance when your client needs it the most. Expert guidance can be provided at no extra cost to help to register a death.

Advanced Funeral Payments

Dealing with the loss of a loved can be a stressful time; to make things easier for your client or their family, we can pay the funds from a death claim straight to the funeral director.

Bereavement Guide

We aim to make the practical side of a bereavement process as straightforward as we can. We have a helpful guide designed to lead your customers through the practicalities of registering a death and what do next. Highlighting legal services that help make sure everything is dealt with properly and in accordance with the law.

Grief Counselling For Children

We've teamed up with Grief Encounter to offer bereavement support specifically for children, family members and anyone impacted by bereavement.

 

Being there when it matters most

Mother and child

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, 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 158 3467

Monday-Friday 8:00am-6:00pm

Saturday 8:00am-2:00pm

Please be aware calls may be recorded

Or, if they can't face talking about what's happened, they can get the process started online instead.

Your client can fill in an online form to tell us they need to make a claim.

Protection planning

Our protection articles can help support your financial planning process and offer the opportunity to earn CPD hours.

Claims information

If your client needs to make a claim, you can feel confident that we'll get things right for them at a difficult time.

Underwriting centre

Developed and tested with advisers, a one stop shop for everything you need to know about our underwriting.

Tools & calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Contact us

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

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WA02264 02/2020