Royal Bank of Scotland critical illness cover review 2026
A look at the critical illness cover you can get through Royal Bank of Scotland: who can apply, the illnesses it covers, costs, terms and how to claim.
- Entry age
- 18–64
- Cover ends before 76
- Maximum cover
- £1m
- Bought with life cover
- Illnesses covered
- 52
- 41 full + 11 additional
- Children’s cover
- Up to £25,000
- Plus £5,000 death benefit
In a nutshell
Royal Bank of Scotland’s critical illness cover is Aviva’s Critical Illness Plan: a separate policy you can only buy together with an Aviva Life Insurance Plan. It pays a lump sum if you’re diagnosed with, or have surgery for, one of the illnesses it covers and survive for 10 days.
- Apply at 18 to 64 for up to £1,000,000 of level, decreasing or increasing cover, for 5 to 50 years. The policy must end before you turn 76.
- It covers 52 illnesses. 41 critical illnesses pay the full cover amount and end the policy; 11 additional critical illnesses pay a smaller amount, up to £25,000, and the policy carries on.
- Children’s cover is included for children aged 30 days to 18 (21 in full-time education): the lower of £25,000 or 50% of your cover if a child is diagnosed with a covered illness other than terminal illness, and £5,000 if a child dies.
- It doesn’t pay out if you die, has no cash-in value and can’t be put in an Aviva Trust.
- Defaqto rates the Life Insurance Plan 4 stars in its critical illness (direct with life cover) category, and 3 stars in its critical illness (level term) and critical illness (decreasing) categories.
- Aviva paid 90.7% of critical illness, children’s benefit and TPD claims in 2025, an Aviva-wide figure for its individual protection policies rather than only those sold through Royal Bank of Scotland.
Who can apply for Royal Bank of Scotland critical illness cover?
Royal Bank of Scotland doesn’t provide the cover itself. It refers you to Aviva, which provides, underwrites and administers the Critical Illness Plan, and it doesn’t give a personal recommendation. You add critical illness cover to an Aviva Life Insurance Plan quote: it can only be bought together with a Life Insurance Plan, and if it’s accepted it’s a separate policy.
- Age to apply
- 18 to 64
- Policy term
- 5 to 50 years, in full years
- Cover must end
- Before the oldest person covered turns 76
- Maximum cover
- £1,000,000
- Bought with
- An Aviva Life Insurance Plan
- Who it covers
- One person, or two on a joint policy
- Types of cover
- Level, decreasing or increasing
- Illnesses covered
- 52: 41 full payment, 11 additional
- Children’s cover
- Lower of £25,000 or 50% of cover, plus £5,000 if a child dies during the policy term
- Where you live
- In the UK, with a legal right to live here
- How to apply
- Online with Aviva, from Royal Bank of Scotland’s website
When you apply you must be in the UK with a legal right to live here, and consider your main home to be in the UK with no current intention of moving elsewhere permanently. For this, the UK doesn’t include the Channel Islands, the Isle of Man or Gibraltar. On a joint policy, the maximum age applies to the oldest person covered.
You must answer Aviva’s application questions completely, truthfully and accurately. If you don’t, Aviva may amend or cancel the policy, reduce a claim or not pay it. You also need to tell Aviva if anything you’ve told it changes before it confirms when your policy will start.
Neither Royal Bank of Scotland nor Aviva gives advice on the plan. Aviva may ask questions to narrow down the products it gives you details of, and you then decide for yourself how to go ahead. If you need help, Aviva’s helpline is 0800 404 9068, Monday to Friday 8am–6pm.
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What does Royal Bank of Scotland critical illness cover pay out for?
The Critical Illness Plan pays a lump sum if, during the policy term, you’re diagnosed with or have surgery for one of the 52 critical illnesses it covers and you survive for at least 10 days. The diagnosis must meet Aviva’s definition, and only the illnesses defined in the policy are covered.
Depending on the definition, Aviva may pay on diagnosis alone, when the condition has reached a specified severity, or when named treatments or surgeries are carried out.
The plan pays the full cover amount only once, and the policy ends when Aviva has paid a claim. A joint policy also pays the critical illness benefit only once and then ends. If one of you dies without being eligible to claim, the policy continues for the other person. The plan doesn’t pay out if you die.
- Level cover: the cover amount stays the same throughout the policy term.
- Decreasing cover: the cover amount falls each month, broadly in line with a repayment loan such as a mortgage, using a fixed interest rate.
- Increasing cover: if the Consumer Prices Index (CPI) goes up, the cover amount rises each year in line with it, by up to 10%, without further health and lifestyle questions. Aviva tells you how much the cover amount and premiums will go up at least eight weeks before each anniversary, and you can choose not to take an increase.
The 52 illnesses covered
The policy summary lists 41 critical illnesses, which pay the cover amount shown in your policy schedule, and 11 additional critical illnesses, which pay a smaller amount. Aviva says the list is only a guide: the policy conditions give the full definition of each illness and explain what is and isn’t covered.
| Condition | What’s covered |
|---|---|
| Critical illnesses: full cover amount | |
| Aorta graft surgery | For disease or trauma |
| Aplastic anaemia | Permanent bone marrow failure, diagnosed by a consultant haematologist |
| Bacterial meningitis | Resulting in permanent neurological deficit with persisting symptoms |
| Benign brain tumour | Resulting in permanent symptoms or requiring invasive surgery |
| Benign spinal cord tumour | Interfering with the spinal cord and causing permanent neurological deficit |
| Blindness | Permanent and irreversible |
| Cancer | Excluding less advanced cases |
| Cardiac arrest | With insertion of a cardiac defibrillator |
| Cardiomyopathy | Of specified severity |
| Coma | With associated permanent symptoms |
| Coronary artery by-pass grafts | Surgery on a consultant cardiologist’s advice to correct narrowed or blocked coronary arteries |
| Creutzfeldt-Jakob disease | Diagnosed by a consultant neurologist |
| Deafness | Permanent and irreversible |
| Dementia | Of specified severity |
| Devic’s disease | With persisting clinical symptoms |
| Encephalitis | Resulting in permanent neurological deficit with persisting symptoms |
| Heart attack | A definite diagnosis of acute myocardial infarction with death of heart muscle |
| Heart valve replacement or repair | Surgery on a consultant cardiologist’s advice |
| Intensive care | Requiring mechanical ventilation for 10 consecutive days |
| Kidney failure | Requiring permanent dialysis |
| Liver failure | Irreversible end stage liver failure due to cirrhosis |
| Loss of hand or foot | Permanent physical severance |
| Major organ transplant | From another donor |
| Motor neurone disease | Resulting in permanent symptoms |
| Multiple sclerosis | Where there have been symptoms |
| Multiple system atrophy | Confirmed by a consultant neurologist, with permanent clinical impairment |
| Paralysis of a limb | Total and irreversible |
| Parkinson’s disease | Resulting in permanent symptoms |
| Pneumonectomy | Removal of a complete lung |
| Primary pulmonary hypertension | Of specified severity |
| Progressive supranuclear palsy | Diagnosed by a consultant neurologist, with permanent impairment of eye movement and motor function |
| Pulmonary artery surgery | Surgery through the breastbone to replace a diseased pulmonary artery with a graft |
| Rheumatoid arthritis | Of specified severity |
| Severe lung disease | Of specified severity |
| Spinal stroke | Resulting in permanent symptoms |
| Stroke | Death of brain tissue due to inadequate blood supply or bleeding within the skull, with specified results |
| Structural heart surgery | Surgery through the breastbone to correct a structural abnormality of the heart |
| Systemic lupus erythematosus | Of specified severity |
| Terminal illness | Where death is expected within 12 months (not covered for children) |
| Third degree burns | Covering at least 20% of the body’s surface area, or at least 20% of the face or head |
| Traumatic brain injury | Resulting in permanent symptoms |
| Additional critical illnesses: lower of £25,000 or 25% of cover | |
| Carcinoma in situ of the breast | Requiring surgery to remove the tumour |
| Low-grade prostate cancer | With specified treatment |
| Additional critical illnesses: lower of £20,000 or 20% of cover | |
| Arteriovenous malformation (AVM) of the brain | With specified treatment |
| Bladder removal | Complete surgical removal of the bladder (total cystectomy) |
| Carcinoma in situ of the cervix | Requiring treatment with hysterectomy |
| Carcinoma in situ of the testicle | Requiring surgical removal of one or both testicles |
| Cerebral aneurysm | With specified treatment |
| Crohn’s disease | Treated with intestinal resection |
| Non-malignant pituitary tumour | With specified treatment |
| Removal of an eyeball | Due to disease or injury (self-inflicted injuries are excluded) |
| Ulcerative colitis | Treated with total colectomy |
Condition names and short descriptions from the Critical Illness Plan policy summary (AL21003) and policy conditions (AL21004), both dated 02/2026.
Additional critical illnesses. Each person covered can claim once for each additional critical illness. The policy then continues, and the payment doesn’t affect what Aviva pays for any other benefit later. You can’t claim one if you’ve already made, or are eligible to make, a claim for the full critical illness benefit.
What the definitions leave out. The cancer definition doesn’t cover cancers classified as pre-malignant, non-invasive, cancer in situ, borderline malignancy or low malignant potential. Prostate tumours count as cancer only with a Gleason score of 7 or above, or once they have progressed to a specified stage; low-grade prostate cancer with specified treatment is an additional critical illness instead.
Cardiac arrest secondary to alcohol or drug abuse isn’t covered, and nor is having a pacemaker fitted, or a defibrillator without a cardiac arrest. Liver failure secondary to alcohol or drug abuse isn’t covered either. The policy conditions set out the full definitions, including what each one excludes.
Children’s cover and other benefits
These benefits come with the Critical Illness Plan. The policy schedule Aviva sends you shows what’s included on your policy.
| Benefit | What it does | Available with |
|---|---|---|
| Additional critical illness benefit | Pays the lower of £25,000 or 25% of your cover for carcinoma in situ of the breast or low-grade prostate cancer, and the lower of £20,000 or 20% for the other nine additional critical illnesses. The policy continues after a claim. | Available with: All Critical Illness Plans |
| Children’s critical illness benefit | Pays the lower of £25,000 or 50% of your cover if a child is diagnosed with one of the critical illnesses or additional critical illnesses covered (not terminal illness) and survives 10 days. It covers your natural, step and legally adopted children, including future children, from 30 days old until their 18th birthday (21st in full-time education). It isn’t paid for an illness present at birth, or if the child had symptoms before they were covered. The policy continues after a claim. | Available with: All Critical Illness Plans |
| Children’s death benefit | Pays £5,000 if one of your children dies during the policy term while aged between 30 days and 18 (21 in full-time education), on top of any children’s critical illness payment. Each children’s benefit is paid once for each child. | Available with: All Critical Illness Plans |
| Separation benefit | If you separate, or rearrange your mortgage into one name, you can split a joint policy and each take out a new single policy with up to the same cover, without more health and lifestyle questions. The new policy must be taken out before the eldest person covered turns 55 and within 180 days of the separation, and must end before you turn 70. It’s only available if Aviva accepted your policy on standard terms. | Available with: Joint policies on standard terms |
| Aviva DigiCare+ | An app with unlimited 24/7 digital GP appointments, a second opinion service, mental health support, nutritional advice and personal training. It’s a non-contractual benefit that Aviva can change or withdraw at any time. | Available with: New Critical Illness Plans |
How much does Royal Bank of Scotland critical illness cover cost?
We didn’t find a published price list for this plan, so we don’t show prices for it. The figures below are Aviva’s worked example of how increasing cover changes, not a price you would pay.
Critical illness cover usually costs more the older you are, and depends on your health, whether you smoke, and the amount and length of cover.
Aviva’s increasing cover example
The policy summary includes a worked example of how increasing cover changes after a year in which the CPI rises by 2.5%: the cover amount goes up by 2.5%, and the premium by 1.5 times that rate.
| Example | Monthly premium | Cover amount |
|---|---|---|
| Eve, 30, and Joel, 33, at the start of a 25-year plan | £25.00 | £50,000 |
| After the first year, with the CPI up 2.5% | £25.94 | £51,250 |
Aviva’s illustration of how the yearly increase is worked out, from the policy summary (AL21003 02/2026). It isn’t a quote for you.
- Your age
- Your health and lifestyle
- Whether you smoke
- How much cover you choose, and for how long
Aviva’s policy conditions say that if you extend the policy term, or increase your cover with a new policy, it uses the premium rates available at the time, based on the personal circumstances of the person covered. These can include their age, smoker status (previous and current), health and lifestyle.
With level or decreasing cover your premiums are guaranteed and stay the same unless you change the policy. With increasing cover they rise each year at 1.5 times the CPI increase, by no more than 15% a year, and don’t rise if the CPI doesn’t. Premiums are paid monthly by Direct Debit.
Royal Bank of Scotland doesn’t charge a fee for referring you to Aviva. Aviva pays the bank commission for introducing the plan, which means a percentage of your premium goes to Royal Bank of Scotland. The average prices on the bank’s life insurance page are for life-only cover, not critical illness cover.
Royal Bank of Scotland gift card offer
Note: Free gifts are offered by select brokers only, our life insurance brokers do not offer free gifts.
The gift card offer on Royal Bank of Scotland’s life insurance page (checked 25 September 2026) is for a new Aviva Life Insurance Plan bought through the website or app of Royal Bank of Scotland, NatWest or Ulster Bank. Its value is worked out from the monthly premium you pay for the Life Insurance Plan: a £50 Love2shop e-gift card for premiums up to £11.99, or £100 for £12 or more, once you’ve paid the first six consecutive monthly premiums.
The offer isn’t part of the standard policy benefits and can be withdrawn or changed at any time. It isn’t available if you buy another way, for example directly from Aviva, through a price comparison or cashback site, or through an adviser or broker.
See other insurers’ offers and their conditions in our guides to life insurance with a free gift and over 50 life insurance with a free gift.
Key policy terms
The main terms of the Critical Illness Plan, from Aviva’s policy summary and policy conditions for plans sold through Royal Bank of Scotland:
| Term | Critical Illness Plan |
|---|---|
| Survival period | You must survive at least 10 days after diagnosis |
| Death | The plan doesn’t pay out if you die; a £5,000 children’s death benefit is paid if a child dies |
| Diagnosis outside the term | Not covered |
| Full payout | Paid once; the policy then ends |
| Joint policy | Pays the full cover amount once, then ends; continues for the other person if one of you dies without being eligible to claim |
| Premiums | Monthly by Direct Debit; guaranteed on level and decreasing cover |
| Missed premiums | 60 days to pay; after that Aviva cancels the policy and you can’t claim |
| If you stop paying | Cover ends and premiums already paid aren’t returned |
| Cooling-off period | 30 days, with a refund of premiums paid; it starts when Aviva confirms your start date or you receive your documents, whichever is later |
| Cancelling later | You can, but you won’t get any money back |
| Cash-in value | None |
| Changes | Certain changes from six months after the start; increasing the cover amount means a new policy alongside the original |
| Trust | Aviva Trusts aren’t available for the Critical Illness Plan |
| Moving abroad | Tell Aviva; it may need to change, reduce or remove policy terms |
| Tax on payouts | Currently normally free of personal UK income tax and capital gains tax |
| Compensation | Covered by the FSCS, which may cover up to 100% of a successful claim if Aviva becomes insolvent and can’t meet its obligations |
Making a critical illness claim
Claims go to Aviva, which provides and administers the Critical Illness Plan. Aviva publishes claims figures for its individual protection policies as a whole, not only plans sold through Royal Bank of Scotland, and it groups critical illness claims with children’s benefit and total and permanent disability (TPD) claims:
- Critical illness, children’s benefit and TPD claims paid by Aviva in 2025 (Aviva-wide, individual protection)
- 90.7%
- Paid on 5,586 claims in that category in 2025
- £388.6m
- Claims in the same category paid in 2024
- 91.5%
Where Aviva couldn’t pay a claim in this category in 2025, it says most were because the diagnosis didn’t meet the policy definition for the condition.
When you claim, the insurer checks your diagnosis against the policy’s definition of the condition, so it’s worth reading the definitions before you buy.
To claim, call Aviva’s claims department on 0800 015 1142, or +44 1603 603 277 from outside the UK. Aviva says you can claim if you’ve been diagnosed with, or had surgery for, a critical illness your policy covers. Royal Bank of Scotland’s page for existing life insurance customers also gives the Aviva Life Insurance Team number for claims, 0800 141 3428, open Monday to Friday 8.30am–5.30pm and Saturday 8.30am–2pm.
To assess a claim, Aviva asks for information that can include access to the medical information or reports of the person covered. It pays for any information it asks third parties for, and you can send extra evidence at your own expense. If a premium is still unpaid within the 60-day period when you claim, Aviva deducts it from the payment.
If any information you’ve given is untrue or incomplete, Aviva may not pay the claim, or may reclaim money it has already paid.
If you’re unhappy with the plan or Aviva’s service, you can complain to Aviva. If your complaint hasn’t been resolved within eight weeks, you may be able to ask the Financial Ombudsman Service to review it.
- Aviva claims department
- 0800 015 1142
- Claims from outside the UK
- +44 1603 603 277
- Aviva Life Insurance Team
- 0800 141 3428
- Questions about your policy
- 0800 285 1098
- directprot@aviva.com
Claims figures are Aviva’s published statistics for 2024 and 2025, covering its individual protection policies as a whole.
Royal Bank of Scotland critical illness cover ratings
Defaqto rates each product from 1 to 5 stars. Its ratings for critical illness cover under Royal Bank of Scotland are listed for the Life Insurance Plan, in three critical illness categories.
| Policy | Range | Defaqto rating |
|---|---|---|
| Critical illness (direct with life cover) | Life Insurance Plan | 4 out of 5 stars |
| Critical illness (level term) | Life Insurance Plan | 3 out of 5 stars |
| Critical illness (decreasing) | Royal Bank of Scotland Life Insurance Plan | 3 out of 5 stars |
Ratings checked on 24 September 2026 and may have changed since. Defaqto ratings: defaqto.com (opens in a new tab)
The customer review scores we found for Royal Bank of Scotland cover the company as a whole, not its life or critical illness cover, and its Smart Money People life insurance page has no reviews. Our Royal Bank of Scotland life insurance review sets them out.
Is Royal Bank of Scotland critical illness cover good?
Through Royal Bank of Scotland you get Aviva’s Critical Illness Plan, arranged without advice and only alongside an Aviva Life Insurance Plan. It covers 52 illnesses, includes children’s cover and smaller payments for 11 additional illnesses, pays the full cover amount only once and doesn’t pay out if you die.
Whether it suits you depends on whether you want critical illness cover as a separate policy next to your life cover, the illnesses you want covered and how long you need the cover to last. Comparing the definitions, not only the price, helps.
Pros
- 52 illnesses listed, with full definitions in the policy conditions
- Smaller payments for 11 additional illnesses without ending the policy
- Children’s critical illness cover and a £5,000 children’s death benefit included
- Guaranteed premiums on level and decreasing cover
- Separation benefit on joint policies accepted on standard terms
- 30-day cooling-off period with a refund
Cons
- Can only be bought with an Aviva Life Insurance Plan
- Apply by 64, and cover must end before 76
- Pays the full cover amount only once, doesn’t pay out if you die and has no cash-in value
- No personal recommendation from Royal Bank of Scotland or Aviva
- Can’t be put in an Aviva Trust
- 3 Defaqto stars in its level and decreasing critical illness categories
Critical Illness Plan documents
Aviva publishes the policy summary and policy conditions for the Critical Illness Plan sold through Royal Bank of Scotland. The policy conditions hold the full definition of each illness, so it’s worth reading them before you apply:
-
Critical Illness Plan policy summary (AL21003) (opens in a new tab)
Who can apply, the illnesses covered, children’s cover and when the policy won’t pay out.
-
Critical Illness Plan policy conditions (AL21004) (opens in a new tab)
The full terms of the plan and the definition of every illness covered.
-
About our services and costs (GN14049) (opens in a new tab)
Aviva’s service for the Life Insurance Plan and Critical Illness Plan, and how Royal Bank of Scotland is paid.
-
Insurance: Important information about us (opens in a new tab)
Royal Bank of Scotland’s role as an arranger for Aviva, how it’s paid and how to complain about its service.
Documents are published by Aviva and Royal Bank of Scotland and open on their websites. They may be updated — the version you receive with your policy is the one that applies.
How Royal Bank of Scotland critical illness cover compares
For life insurance, Royal Bank of Scotland works only with Aviva and gives no personal recommendation: it only tells you how to contact Aviva. The Critical Illness Plan is the critical illness cover in the range it refers you to.
Critical illness policies differ in the illnesses they cover, how they define them, whether they make smaller payments for less severe conditions and what they include for children, so compare the definitions as well as the price.
Our critical illness calculator can help you work out how large a lump sum you might need before you compare quotes.
The plan is provided by Aviva, which has its own Aviva life insurance review.
Our guide to critical illness cover explains how this type of cover works and lists the insurers in our reviews that offer it, alphabetically.
Other insurers’ critical illness cover guides
- Aviva critical illness cover
- Legal & General critical illness cover
- NatWest critical illness cover
- Vitality critical illness cover
- Zurich critical illness cover
Read our full Royal Bank of Scotland life insurance review, or see all our insurer reviews.
Royal Bank of Scotland critical illness cover FAQs
Yes. Through Royal Bank of Scotland you can get Aviva’s Critical Illness Plan, which Aviva provides, underwrites and administers. The bank refers you to Aviva and doesn’t give a personal recommendation.
Yes, as two policies. Critical illness cover can only be bought together with an Aviva Life Insurance Plan: you add it to your life insurance quote, and if it’s accepted it’s a separate policy.
You can apply if you’re aged 18 to 64, and the policy must end before the oldest person covered turns 76. The term can be 5 to 50 years.
52. There are 41 critical illnesses that pay your cover amount and end the policy, and 11 additional critical illnesses that pay the lower of £25,000 or 25% of cover (for two of them) or £20,000 or 20% (for the other nine), after which the policy continues.
No. The Critical Illness Plan doesn’t pay out if you die. The Life Insurance Plan you buy it with provides life cover and terminal illness cover.
Yes. If a child aged between 30 days and 18 (or 21 in full-time education) is diagnosed with a covered illness other than terminal illness and survives 10 days, the plan pays the lower of £25,000 or 50% of your cover. It also pays £5,000 if a child in that age range dies during the policy term.
When you apply for cover you will be asked questions about your health and lifestyle, and based on this and the amount of cover requested, the insurer will decide if a medical is required or not.
You must answer Aviva’s application questions completely, truthfully and accurately, or it may amend or cancel your policy, or reduce or refuse a claim.
Yes. If you cancel within the 30-day cooling-off period, Aviva refunds any premiums you’ve paid. You can still cancel after that, but you won’t get any money back, and the plan has no cash-in value.
Not with an Aviva Trust. Aviva Trusts are available for a Life Insurance Plan or Over 50s life insurance, but not for a Critical Illness Plan.
Call Aviva’s claims department on 0800 015 1142, or +44 1603 603 277 from outside the UK. Royal Bank of Scotland’s page for existing customers also gives the Aviva Life Insurance Team number for claims, 0800 141 3428.
Aviva paid 90.7% of the critical illness, children’s benefit and TPD claims it received in 2025, an Aviva-wide figure for its individual protection policies. Where it couldn’t pay, it says most were because the diagnosis didn’t meet the policy definition for the condition.
Sources
The facts on this page come from these sources.
- Aviva (for Royal Bank of Scotland) — Critical Illness Plan policy summary, Royal Bank of Scotland version (AL21003 02/2026) (opens in a new tab), static.aviva.io, accessed 25 September 2026.
- Royal Bank of Scotland — Royal Bank of Scotland Life Insurance page (Life Insurance, Guaranteed Over 50s, gift card offer, Aviva DigiCare+) (opens in a new tab), rbs.co.uk, accessed 25 September 2026.
- Aviva (for Royal Bank of Scotland) — Life Insurance Plan page on Royal Bank of Scotland's Aviva quote site (AL22014 02/2026) (opens in a new tab), rbs.aviva.co.uk, accessed 25 September 2026.
- Royal Bank of Scotland — Insurance: Important information about us (Royal Bank of Scotland life insurance arrangement with Aviva, February 2026) (opens in a new tab), rbs.co.uk, accessed 25 September 2026.
- Aviva (for Royal Bank of Scotland) — Critical Illness Plan policy conditions, Royal Bank of Scotland version (AL21004 02/2026) (opens in a new tab), static.aviva.io, accessed 25 September 2026.
- Aviva — Aviva Trust page (writing a Life Insurance Plan or Over 50s policy in trust) (opens in a new tab), aviva.co.uk, accessed 25 September 2026.
- Defaqto — Defaqto Star Ratings (Life & Protection) for Royal Bank of Scotland (opens in a new tab), defaqto.com, accessed 24 September 2026.
- Aviva plc — Underwriter claims statistics 2025 - Aviva (insurer of RBS-arranged life insurance) paid nearly £2 billion in protection claims in 2025 (Aviva-wide figures, not RBS-specific) (opens in a new tab), aviva.com, accessed 25 September 2026.
- Aviva (for Royal Bank of Scotland) — About our services and costs, Life Insurance Plan and Critical Illness Plan via Royal Bank of Scotland (GN14049 02/2026) (opens in a new tab), static.aviva.io, accessed 25 September 2026.
- Aviva (for NatWest Group) — Life Insurance Plan Gift Card Promotion terms, PDF linked from Royal Bank of Scotland life page (NW10064 02/2026) (opens in a new tab), static.aviva.io, accessed 25 September 2026.
- Aviva plc — Underwriter claims statistics 2024 - Aviva (insurer of RBS-arranged life insurance, incl. former AIG Life policies) paid out £1.89bn in protection claims in 2024 (Aviva-wide figures, not RBS-specific) (opens in a new tab), aviva.com, accessed 25 September 2026.
- Aviva — Aviva (the insurer behind RBS-arranged life insurance) - Make a life insurance claim: online claim form and claims phone numbers (opens in a new tab), aviva.co.uk, accessed 25 September 2026.
- Royal Bank of Scotland — Royal Bank of Scotland Manage your life insurance page (existing customers, Aviva and Aviva formerly AIG Life) (opens in a new tab), rbs.co.uk, accessed 25 September 2026.
- Trustpilot — Trustpilot - The Royal Bank of Scotland (personal.rbs.co.uk) company reviews, all banking products (not life-insurance-specific) (opens in a new tab), uk.trustpilot.com, accessed 25 September 2026.
- Smart Money People — Smart Money People - RBS reviews (company rating across all RBS products) (opens in a new tab), smartmoneypeople.com, accessed 25 September 2026.
- Smart Money People — Smart Money People - RBS: Life Insurance reviews (product page, no reviews yet) (opens in a new tab), smartmoneypeople.com, accessed 25 September 2026.
- Aviva (for Royal Bank of Scotland) — Life Insurance Plan policy summary, Royal Bank of Scotland version (AL22006 02/2026) (opens in a new tab), static.aviva.io, accessed 25 September 2026.
Related pages
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Critical illness cover
A lump sum on diagnosis of a serious illness your policy covers.
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Best life insurance
What to compare when you choose a policy.
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Term life insurance
Cover for a set number of years, with level or decreasing cover.
