Life Insurance Plan
OUR ASSESSMENT
Aviva offers level and decreasing term cover, providing a different product structure to evaluate alongside Vitality’s programme-linked options. Compare the exact product and selected options in the side-by-side category table, then check the accepted quotation and policy schedule.
Features to compare
- Choose a level or decreasing insured amount and a policy term.
- The direct range describes cover for death and qualifying terminal illness during the term.
Limitations and checks
- Decreasing cover reduces over time and should not be compared with an unchanged lump sum without recognising that difference.
- Terminal illness and critical illness are different benefits; a life policy should not be assumed to provide critical-illness cover.
The question to ask
Is the amount level or decreasing, what terminal-illness definition applies, and is critical illness a separate contract?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
