Aviva USA | Term Life Insurance - Customize A Policy To Make It Work For You

Term Life Insurance

Aviva term life insurance protects your family for a certain period of time or term. If you die within that period of time, your family (the beneficiary) is paid the amount of the policy. We also offer Universal Life and Indexed Universal Life.

Minimum protection needed

Good for those on a budget

Expires after a period of time

Supplements employer policies

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Term life insurance riders*

An Aviva life insurance rider is an addition or amendment to your life insurance policy. They provide different options and benefits that allow you and your Aviva agent to customize your policy to your life.

Additional Insured
Provides death benefit coverage on the lives of up to three family members. This premium is also a fixed amount.

Accidental Death Benefit
Adds coverage should you as the insured die from an accident.

Children’s Insurance
Let’s you extend a death benefit to your child’s life up to age 25 with a fixed premium amount.

Accelerated Death Benefit Rider
Speeds up the time in which benefits are paid should you become terminally ill. A portion of the policy proceeds normally paid at death is paid to you while you are living provided your life expectancy is 12 months or less.

Waiver Premium Rider
The monthly premium specified under the rider is credited to the policy if you become totally disabled for at least 6 months. If you become totally disabled before age 65, a lifetime benefit is payable.

More riders available
Waiver of Premium Plus
Guaranteed Purchase Option Rider

*Riders are subject to state availability, certain limitations, and may require additional charges unless otherwise specified. See terms of the rider for full details.

All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company.

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Frequently asked questions