Reviti Life Insurance Review 2025
Reviti is a relatively new life insurance agency launched in April 2019 in the UK.
The two primary insurance types the company offers are:
Reviti is a relatively new life insurance agency launched in April 2019 in the UK.
The two primary insurance types the company offers are:
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Reviti is a relatively new life insurance agency launched in April 2019 in the UK. The company is owned by Swiss-American tobacco giant Philip Morris International.
The company’s life insurance policies are underwritten by Scottish Friendly.
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Reviti is a market disruptor that has taken a different approach to life insurance
Reviti is a market disruptor that has taken a different approach to life insurance. The company predominantly offers policies to smokers, ex-smokers, and switchers (those who opt for smoke-free alternatives).
Although its services are mainly aimed at smokers and those looking to quit, Reviti also offers life insurance policies at competitive prices to customers who have never smoked.
Unlike traditional insurance companies, Reviti does not pool smokers, ex-smokers, and switchers into the same category. If you are an ex-smoker, you may have been paying higher premiums with other insurers. Instead, Reviti offers specific policies to accommodate different types of clients, which are detailed below.
We compare plans from the leading life insurance providers
The two primary insurance types the company offers are:
Some of the specific insurance policies offered include:
Note that these figures are based on a coverage level of £170,000 over 20 years.
Reviti offers an array of life insurance benefits to help you get the most out of your policy. These include:
| Cover Options | Level Term. Decreasing Term. |
| Cover Period | Between 5 to 50 years. |
| Critical Illness Cover | Not Available. |
| Maximum Applicant Age | 80. |
| Minimum Entry Age | 18. |
| Whole of Life Policy | Not Available. |
| Joint Life Policy | Not Available. |
Once you have completed your application, you cannot change the coverage term or value. Contact Reviti to understand their change policies and rules.
There are a few situations where Reviti will not approve a claim, including:
Independent reviews by professional rating companies are a great way to compare insurance policies you’re interested in.
The UK rating company Defaqto awarded Reviti a 2 Star Rating for its Term Life insurance policy.
As mentioned previously, premiums can start from as low as £5.24 for non-smokers. To better understand costs, here’s an example:
The premium will vary depending on your age, occupation, health condition, and medical history.
The maximum cover provided by the company is £750,000. However, this only applies if you are between 18 and 40 years old. If you are older, the maximum coverage you can apply for when starting your application is lower. The figure decreases as follows:
Reviti is a good option if you are a smoker, ex-smoker, or looking to quit. It is also suitable if you vape or use other smoke-free alternatives. The company’s business model is designed around providing tailored policies for each client type, unlike traditional insurers who often group everyone into one category. This approach can result in unnecessarily high premiums for some.
Another significant benefit is the company’s Reviti Payback incentive, which can assist you in quitting smoking. Receiving 12 months of insurance payments back can be a considerable advantage. The company states that it offers competitive prices for non-smokers. However, it lacks some features available with other insurance firms, such as joint life policies, critical illness cover, and whole of life insurance.
It is worth noting that, as part of its commitment to offering life insurance to as many people as possible, Reviti has a maximum entry age of 80 years old. This is higher than many traditional insurance firms, which typically cap the entry age between 64 and 70 years old.
