Ratings: A.M. Best – A- (Excellent) | Standard & Poor’s – A- (Strong) | Moody’s – N/A | Fitch – N/A 

We know the decision on which carrier to choose for life insurance coverage is as important as knowing which product and how much life insurance coverage you’ll need. Our PivotCare team professionals can help you sort through the various carrier and product options to customize the right solution to meet your unique needs. If you are interested in learning more about Aviva, you can visit their website, where you can learn about their financial strength, as well as their mission, vision, values, history, life insurance offerings, etc.


Aviva Underwriting Considerations



Do you currently use tobacco or nicotine products? Have you recently stopped? Aviva will consider you at tobacco rates for 1 full year after you stop using these items, at which time they may consider you for their preferred rate class. In order to qualify for better rate classes you must be tobacco and/or nicotine free for 3 years. This includes nicotine patches and nicotine gum. Should you test positive for nicotine during your insurance exam, you will automatically be credited with tobacco rates. Criteria may change at older ages.


Family History:


Yes, your family’s medical history is taken into consideration when underwriting YOUR application for life insurance. No death of parent or sibling before age 65 from coronary artery disease or familial cancer for the top 2 rating classes and up to one death of parent or sibling before age 60 from coronary artery disease or familial cancer for the 3rd best rating class.