9 good reasons to choose
term cover from Aviva
1. Rolling conversion – best available in the market
You can have an ongoing option, right up to age 85 next birthday, to convert your life cover to a new policy, without
the need to provide any medical evidence.
2. Indexation – nobody offers better value
You have the option to increase your cover by 3% every year without the need to provide evidence of good health ensuring your cover is protected from the effects of inflation. To meet the cost of these increases in your cover, your
premium will increase on each anniversary by 4%.
3. Age at which life cover can finish – highest available in the market
Cover is available up to age 90 next birthday for life cover under Mortgage Protection Plan and Flexible Protection
Plan.
4. Cover term – longest available in the market
Cover terms of up to 50 years are available for level and convertible term life cover.
5. Guaranteed insurability option under mortgage protection
You can increase your mortgage protection life cover by up to an additional €40,000 during the term of your policy,
with no requirement for further medical evidence. This useful benefit allows you to meet the need for life assurance
if you increase your mortgage.
6. Convertible term – smoker status on conversion will apply
We reward customers who quit smoking after their original policy was taken out with non-smoker rates on
conversion, if they haven’t smoked for 12 months prior to conversion.
7. Specified illness partial payments – highest available in the market
If you are eligible to claim under your specified illness policy, we will pay €20,000 or half of your cover amount,
whichever is lower for 19 illnesses. Please see the Flexible Protection Cover brochure for full details.
8. Cover for a child
Specified illness cover from Aviva also provides cover for children. By “children” or “child” we mean any child,
stepchild or adopted child of the insured who is aged 30 days or more and who is under the age of 21. If you take
out specified illness cover, we cover each of your children for €2,500 life cover for as long as you are covered. We
will only pay one claim for each child no matter how many plans you have with us. Children are covered for the
same specified illnesses for which the insured is covered under the plan. For full payment illnesses, children are
covered for €25,000 or half of the cover amount, whichever is lower. For partial payment illnesses, children are
covered for €10,000 or a quarter of your cover amount, whichever is lower. As we do not ask for any medical details
about your children before we include them in your plan, a child won’t be covered for specified illness if: (i) the
condition was present at birth, (ii) the symptoms first arose before the child was covered, or (iii) the child dies within
14 days of diagnosis.
9. Best Doctors® – exclusive to Aviva in Ireland
Best Doctors is a global organisation which brings the world’s leading medical
expertise to you and your family, offering a second medical opinion when you
need it most. Best Doctors was founded in 1989 by two renowned physicians, affiliates of Harvard Medical School,
to offer people access to the pooled knowledge and experience of the world’s very best medical experts, specialists,
researchers and academicians.
At your request, they can provide you with:
• A comprehensive review of your diagnosis and treatment without you having to leave home.
• Access to information from the most qualified specialists.
•A Best Doctors Nurse Care Manager who will collate all the information about your condition, submit it to the
most appropriate expert – and keep you fully informed every step of the way.
The Best Doctors service is also available to your spouse/partner, your parents and your spouse’s/partner’s parents and
also your children if they are under 18 or under 23 and in full time education.
Best Doctors is not available for acute, pregnancy related or mental health conditions. Aviva does not guarantee the
on-going availability of the Best Doctors service to its policyholders and may, at its sole discretion, withdraw access to
the service at a month’s notice.
Before deciding to take out a Protection policy, you should speak to your Financial Broker and also read the
following separate guides where relevant:
• Mortgage Protection Brochure
• Flexible Protection Brochure
• Specified Illness Definitions Guide
Source for comparisons: www.bestadvice.ie, 1 April 2015.
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is also regulated in the UK: by the Prudential Regulation Authority for prudential rules and, to a limited
extent, by the Financial Conduct Authority for applicable UK conduct rules. Registered Branch Office in Ireland (No 906464) at One Park Place, Hatch Street, Dublin 2.
Tel (01) 898 7000 Web www.avivabroker.ie Registered in England (3253947) at 2 Rougier Street, York, YO90 1UU.
Telephone calls may be recorded for quality assurance purposes.
2.285.06.15
Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the Prudential Regulation Authority in the UK
and is regulated by the Central Bank of Ireland for conduct of business rules.