Flexible protection solutions for business
As well as our business protection products providing a flexible range of options, our Aviva Life Protection Solutions (ALPS) platform makes writing business protection with us as seamless as possible – with expert support on hand and the ability to quote, apply and track your cases online.
On top of this, our online trusts process for business products makes it easier and quicker to put your clients' policies in Trust.
Our business protection products
Relevant Life Insurance
Aviva Relevant Life Insurance. Discover the difference.
Like other relevant life insurance products, ours provides a death-in-service benefit for your clients' key employees. But unlike others, it offers employee significant illness cover – a unique option which pays out if an illness covered by the policy leads to retirement or anticipated retirement.
We've gone the extra mile to develop this tax efficient offering which HMRC has confirmed operates within current legislation.
PRODUCT
Relevant Life Insurance
Life insurance or life insurance with employee significant illness that can be used by your clients to help provide protection for their employees. It also has the potential to have tax benefits.
DOCUMENTS
Relevant Life Insurance - Document Library
You can view our full range of product guides, terms and conditions and forms in our tailored Relevant Life Insurance document library for advisers.
Business Life Insurance Options
Flexible protection solutions for business
With this policy your clients can choose life cover, or life and critical illness cover. It is available for public and private limited companies, limited liability partnerships, individual partners of a partnership, and sole traders.
PRODUCT
Business Life Insurance Options
Key person, shareholder/partnership or business loan protection with a choice of life cover or life and critical illness cover.
DOCUMENTS
Business Life Insurance Options - Document Library
You can view our full range of product guides, terms and conditions and forms in our tailored Business Life Insurance Options document library for advisers.
New business support
A full online solution
End-to-end online journey, tailored for business protection cases. And thanks to multi-product applications – you can apply for both Business Life Insurance Options and Relevant Life Insurance at the same time.
Our business tracking is real-time, so you can deal with your cases exactly when it suits you.
Interactive underwriting mode
Our interactive underwriting mode uses information about your client to generate the right questions, saving you both valuable time. What's more, using interactive underwriting earns you an extra 10% commission:
A bespoke service for your high value clients, as they, and the cases you submit for them, have very specific needs. This is why our High Value Team goes the extra mile for any cases over £1.5 million for life cover and £750,000 for critical illness or employee significant illness cover.
They provide dedicated, proactive support and you get access to a specialist high value medical provider offering flexible medicals, including mobile doctors. High value cases also benefit from our Bespoke Pricing Service.
Learn more - PDF (884 KB)
Free life cover of up to £1 million
Free life cover of up to £1 million during the application process through our Business Protection Promise.
Our online Trust process means you just need to complete a few questions during the application. No paper forms to complete and no signatures required.
Download our guide (PDF 4 MB)
CALL US
Support when you need it
Each case you submit gets the special service it deserves. If you have any questions call our business protection support line on 0800 092 9964 to get the answers you need, putting you in touch with pre-sales underwriting support and help with tax and Trusts.
If your client's circumstances change, we'll also be on hand to help with any questions you may have.
Tax and Trusts
Writing Trusts can be complicated and time consuming. But our online Trust process means you just need to complete a few questions during the application – with no paper forms to complete and no signatures required.
We've made writing Trusts as simple as we can.
DOCUMENT
Guide to Trusts
We've made writing Trusts as simple as we can.
Take a look at our guide to see how quick and easy our process can be.
Download our guide - PDF (803 KB)
CALL US
We're here to support you
Our tax and Trusts specialists are on hand to help with any questions you have about the world of tax and Trusts.
Call the team on 0800 092 9964
Useful Tax and Trust documents
We've compiled a list of useful tax and trust guides and forms for you below.
Guides
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Aviva online trusts - brief guide to our online trusts and the process involved
PDF (4MB)
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The business case for Business Life Insurance Options - this brochure includes a section explaining the conditions under which these policies qualify for tax advantages
PDF (2MB)
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Understanding Relevant Life Insurance with employee significant illness - how our Relevant Life Insurance meets legislative requirements
PDF (733KB)
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Relevant Life Insurance - a guide to the Relevant Life Trust - our trust can help meet the legal requirement that any benefits paid are for the benefit of an individual or charity
PDF (777KB)
Forms and agreements
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Aviva Discretionary Trust for Relevant Life Insurance - to be completed by the employer who’ll automatically be a trustee (other trustees can also be appointed)
PDF (104kb)
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Download double and single cross-option specimen agreement - when business owners take out life insurance for each other there are various ways to protect the interests of all stakeholders, for example buy-and-sell agreements, option/cross-option agreements or automatic accrual. Your clients should seek their own advice, but you can use our specimen agreement
PDF (560KB)
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Download Aviva partner or director/shareholder trust application - can be used to ensure that on the death of the life insured, the benefit is paid to the remaining partners, directors or shareholders to help them buy the deceased’s share in the business
PDF (116KB)
Underwriting support
Our Protection Underwriting Centre helps make the underwriting process quicker and easier for you. It’s full of information, tips and resources to help things run more smoothly. We've also added some commonly downloaded guides and forms below, but if you're looking for something else, please visit our document library.
CALCULATOR
Body Mass Index (BMI) Calculator
This calculator will show you the likely underwriting terms applied for your client's height and weight.
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