Flexible protection solutions for business
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 clients' 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.
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.
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.
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
Our High Value Team – 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.
Free life cover of up to £1 million during the application process through our Business Protection Promise.
Online Trusts – 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.
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.
Take a look at our guide to Trusts to see how quick and easy our process can be.
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
Tax and Trusts guides and forms
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.
Our High Value team goes the extra mile for cases over £1.5m for life cover and £750,000 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.
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.
Our protection articles are there to support your financial planning process, and to offer the opportunity to earn CPD hours.
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See our contact us page for a full directory.