Aviva Life Insurance Ireland – Review, Benefits & Claim Stats (2025)
Aviva don’t try to be the cheapest — and that’s clever. Their strength is income protection (best-in-class), with solid life cover and feature-rich mortgage protection. If you value support and an understanding underwriting team over lowest price, Aviva deserve a close look.
If you’re in the market for life insurance, income protection, or mortgage protection, you’ve probably come across Aviva. Big brand. Solid rep. Not always the cheapest, but that’s not the game they’re playing. And when it comes to income protection? They’re top of the class.
💼 Income Protection – Where Aviva Shine
If you’re only going to remember one thing about Aviva, let it be this: they offer the best income protection policy in Ireland.
- Longest established provider of personal income protection (they bought Friends First).
- Access to Aviva Care (exclusive to Aviva and free with your policy).
- Waiver of premium while you’re on claim.
- Best retraining & rehab support — they don’t just pay; they help you get back on your feet.
🩺 What is Aviva Care?
When you take out a policy with Aviva, you also get access to Aviva Care — four virtual health & wellbeing services (powered by Teladoc Health):
- Digital GP – talk to a doctor from your phone, even when abroad.
- Best Doctor’s Second Medical Opinion – have your file reviewed by top global consultants.
- Mental Health Support – counselling and CBT with Irish psychologists.
- Bereavement Support – because the worst days need the best help.
Included with all policies. No extra cost.
🛡️ Life Insurance with Aviva
Aviva isn’t the flashiest when it comes to life cover, but they’re solid:
- Buy cover up to age 89.
- Terminal illness cover included automatically.
- Aviva Care bundled in (as above).
📊 Claims Stats 2024
Life insurance claims paid
Paid to 489 families
Cancer, heart & respiratory
Largest single claim
That’s what reliability looks like.
🏠 Mortgage Protection – Worth Considering
Aviva aren’t the cheapest, so if you’re after bargain-basement mortgage protection, shop around. But if you want value beyond price, there’s a lot to like:
- Dual life cover – pays out on both deaths, not just the first.
- Best Doctors access for you and your family.
- Family Care – mental health support for your household.
- Guaranteed insurability – if your mortgage increases, you can increase your cover (up to €40k) without more medicals.
- Extend term without conversion option – unique flexibility with Aviva.
🧾 Serious Illness Cover – Not Their Best Game
Sorry Aviva, but you’re near the bottom here. Some of their illness definitions are stricter, which can make claiming harder. If serious illness cover is your priority, you’re usually better off with Zurich Life or Royal London.
🧭 Is Aviva Right for You?
Choose Aviva if you’re:
- After best-in-class income protection.
- Someone who values extra health support (Best Doctors, Aviva Care).
- Buying mortgage protection and want flexibility + mental health support.
If you’re just after the cheapest policy? They’re not your bag — and that’s ok.
📞 Need Help Deciding?
Complete this short questionnaire and we’ll make a recommendation — no hard sell, just sound advice.