Mortgage Protection · Aviva
Aviva Mortgage Protection in Ireland
Aviva is one of the providers we can compare for your mortgage protection. Its plan can cover one or two people, adds optional specified illness cover, and includes a second medical opinion service at no extra cost. Below is what Aviva says about its plan, so you can see whether it suits your mortgage.
Last reviewed by Debbie Cheevers, QFA, RPA · 22 October 2026
What Aviva mortgage protection includes
Aviva mortgage protection pays the balance of your mortgage to your lender if you die, or if your partner dies on a joint policy. The sum insured starts at your loan amount and falls as you repay your mortgage.
- Single, joint or dual cover, for one borrower or a couple.
- Optional specified illness cover, which pays a lump sum on diagnosis of a listed illness. The illnesses are set out in Aviva’s Specified Illness Definitions Guide.
- Terminal illness benefit: life cover is paid if life expectancy is less than 12 months, confirmed by a consultant and Aviva’s Chief Medical Officer.
- Children’s cover: each child is covered for the lower of €5,000 or 10% of the sum insured, and only one claim is paid per child.
- Aviva Care: a Best Doctors second medical opinion is included from the first day of cover, alongside support services such as a Digital GP and bereavement support. Aviva says these services are not regulated and can be withdrawn with at least 30 days’ notice.
- An optional conversion option is available as an extra, which increases the price.
Single, joint or dual cover
The right basis depends on whether one or both of you are named on the mortgage.
Single
Protects one person. The payout normally goes straight to your lender to clear the mortgage.
Joint
Protects two people and pays out once, usually when the first person dies. Cover then ends.
Dual
Protects two people and can pay out twice, once on each person’s death.
Specified illness cover and options
Aviva offers optional extras that increase your premium. Here is what to know about each:
- Specified illness cover pays a lump sum on diagnosis of a listed illness. Whether a diagnosis qualifies depends on the policy definition.
- A conversion option is available as an extra and increases the price.
- Aviva says premiums stay fixed for the policy term unless you change the policy.
- Many common conditions, such as asthma, high blood pressure or anxiety, can be accepted on standard terms, although each application is assessed individually.
We confirm the exact list of illnesses and payment amounts from Aviva’s policy documents before you apply.
Is Aviva the right fit?
Worth a closer look if
You want a second medical opinion service included, children’s cover built in, or the choice between joint and dual cover for a couple. Aviva also states that many common health conditions, such as asthma or high blood pressure, can be accepted on standard terms.
Check before you decide
Specified illness cover and the conversion option cost extra. Aviva’s support services are not regulated and can be withdrawn with 30 days’ notice. Aviva’s public pages do not give term and age limits for mortgage protection, so we confirm those from the policy documents and compare the price with other providers.
Compare Aviva with other providers
Aviva is one of several providers we can arrange mortgage protection with. For life insurance, we are whole-of-market: we have agency agreements with all life companies in Ireland, so we can compare every option for you. See how the others differ:
- Royal London – a choice of interest rate options and optional serious illness cover
- New Ireland – flexible Life Choice Home plans and a convertible option
- Irish Life – single, dual and joint cover with optional specified illness cover
- Zurich – a convertible option and partner cover on one policy
- Our mortgage protection guide – how it works, who needs it and what affects the cost
We work with Ireland’s leading life & pension companies
Frequently asked questions
What does Aviva mortgage protection pay out?
It pays the balance of your mortgage to your lender if you die, or if your partner dies on a joint policy. The sum insured starts at your loan amount and falls as you repay.
What is the difference between joint and dual cover?
Joint cover protects two people and pays out once, usually when the first person dies, after which cover ends. Dual cover protects two people and can pay out twice, once on each person’s death.
Can I add specified illness cover?
Yes. Specified illness cover is an optional add-on that pays a lump sum on diagnosis of a listed illness. The illnesses are defined in Aviva’s Specified Illness Definitions Guide, and the add-on increases your premium.
Does Aviva cover children?
Yes. Each child is covered for the lower of €5,000 or 10% of the sum insured, and only one claim is paid per child, however many plans you hold.
What is Aviva Care?
Aviva Care includes a Best Doctors second medical opinion from the first day of cover, plus support services such as a Digital GP and bereavement support. Aviva says these services are not regulated and can be withdrawn with at least 30 days’ notice.
Can I get mortgage protection with a pre-existing condition?
Often, yes. Aviva says many common conditions, such as asthma, high blood pressure or anxiety, can be accepted on standard terms or with minor adjustments. Each application is assessed individually, and the outcome can be standard terms, a higher premium, a postponement or a decline. Give full details when you apply, because leaving something out can delay or stop a claim being paid.
See how Aviva compares for your mortgage
Talk to a Greenway adviser for free. We will compare Aviva against the other providers we arrange cover with, and set it up so your cover is in place for drawdown.