Business protection

Products and resources

Flexible cover for businesses and employees

Our Business Life Insurance Options and Relevant Life Insurance products each offer flexible cover and a range of options.

And 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 trust process for business products makes it easier and quicker to put your client's policies in trust.

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.


Our business protection products

Business Life Insurance Options

Key person, shareholder, partnership or business loan protection with a choice of life cover or life and critical illness cover and additional options. 

Relevant Life Insurance

Life insurance or life insurance with employee significant illness that can be used by your clients to provide protection for their employees. It also has the potential to have tax benefits.

Product details

New business support

We make it as easy as possible to submit new business protection cases - from quote to application and beyond. Our business protection products are available on ALPS and - thanks to multi-product applications - you can apply for both of them at the same time.


Support when you need it

When you place business with us, each case you submit gets the special service it deserves. You can use our business protection support line to get the answers you need, putting you in touch with pre-sales underwriting support and help with tax and trusts. We'll be there when it matters. If your client's circumstances change, we'll be on hand to help with any questions you may have. Call our business protection support line on 0800 092 9964.


A full online solution 

With ALPS, you get an end-to-end online journey, tailored for business protection cases. And because our business tracking is real-time, you can deal with your cases exactly when it suits you.

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:

  • Caters for company policyholders and supports paper trust applications from inception
  • Increased financial limits - we only require the completion of a full financial questionnaire for cases of more than £2 million life cover or £1 million critical illness or employee significant illness cover. And additional supporting financial evidence is only required for cases of more than £4 million life cover or £2 million critical illness or employee significant illness cover
  • Online business tracking tells you when a trust form is outstanding so you can manage cases accordingly
  • Choose whether policy packs are posted to the client or the firm

Find out more


Our High Value team - a bespoke service for your high value clients

High value clients, 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 million for life cover and £500,000 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.

For more information please speak to your Account Manager. If you’re not sure who that is, simply email

Find out more

Online trust process

Writing trusts can be complicated and time consuming. But our online trust process means all you need to do is complete a few questions during the application - with no paper forms to complete and no signatures required.

Writing trusts has never been simpler. Take a look at our guide to trusts to see how quick and easy our process really is.

Take a look at our guide to trusts

Tax and trusts

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

We've also got a number of guides - all designed to help make things more straightforward. And we’ve included all the relevant forms.

Key documents and tools & resources

Use our calculators to compare cover costs and split premiums fairly between partners. And find support, guides and demos for using our trading and servicing platforms.

Relevant Life calculator

Premium equalisation calculator 

ALPS training hub

Related content

Online trust process

Our specialists can help with your trusts and tax queries. And our online trust process makes it quicker and easier to put policies in trust.


Bespoke service

Our High Value team goes the extra mile for cases over £1m for life cover and £500,000 for other covers. Includes access to a specialist high-value medical provider and our Bespoke Pricing Service.

ALPS training hub

Keep up-to-date with the ongoing feedback-led improvements we're making to our online protection-solutions system. You can also access guides and handy ‘how to’ videos.

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.


Tools and Calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Protection planning

Our protection articles are there to support your financial planning process, and to offer the opportunity to earn CPD hours.

Haven't found what you're looking for?

See our contact us page for a full directory.

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