What is Aviva Flex-pertise
Aviva Flex-pertiseTM lets your clients offer employees control over their own benefits package.
Clients choose a flexible benefits programme matching their values, then employees decide the level of cover that works best for them.
Expertise and experience
As the UK’s No. 1 choice for Group Protection flexible benefits*, we cover over 1 million lives with Aviva Flex-pertise
Flexibility with simplicity
A comprehensive range of flexible Group Protection benefits, with simple scheme implementation and quick claims payouts
Support you can count on
Access to our specialist flex operations team
*Swiss Re Group Watch 2025 – based on data to end of 2024.
For clients
Aviva Flex-pertiseTM is all about flexing Group Protection to your clients’ needs, so they can choose cover that’s right for them.
For employees
Employees get the option to choose the benefits that match their lives and their needs.
Not an adviser?
Take a look at our employer site to see how Aviva Flex-pertiseTM can help your business.
Cover options
Group Life
Benefit type: Lump sum payment
Minimum core benefit (selected and paid for by employer): 1x salary paid as lump sum
Maximum benefit: 15x salary
Step options: Increases of multiples salary
Who can be covered: Insured, Partner/Spouse
Wellbeing services:
- Aviva DigiCare+ Workplace
- Employee Assistance Programme
- Red Apple Law legal services
- Grief Encounter
- Get Active
- Employer and employee mental health support
- Wellbeing Library
- Employer and employee hubs
- Wellbeing Training
Group Critical Illness
Benefit type: Lump sum payment
Minimum core benefit (selected and paid for by employer): No core benefit required
Maximum benefit: 5x salary up to £500,000*
Step options: Steps of £10,000 or £25,000
Who can be covered: Insured, Partner/Spouse, Children
Wellbeing services:
- Aviva DigiCare+ Workplace
- Employee Assistance Programme
- RedArc personal nurse service
- Red Apple Law legal services
- Get Active
- Employer and employee mental health support
- Wellbeing Library
- Employer and employee hubs
- Wellbeing Training
Group Income Protection
Benefit type: Monthly benefit or lump sum payment**
Minimum core benefit (selected and paid for by employer): 35% of salary
Maximum benefit: 80% of salary up to £425,000
Step options: Up to 80% of salary, with option to increase benefit payment term
Wellbeing services:
- Aviva DigiCare+ Workplace
- Employee Assistance Programme
- Red Apple Law legal services
- Thrive app
- Get Active
- Employer and employee mental health support
- Wellbeing Library
- Employer and employee hubs
- Wellbeing Training
Spouse/Partner Life Assurance
Benefit type: Lump sum payment
Minimum core benefit (selected and paid for by employer): £250,000
Step options: Steps of £10,000 or £25,000
Wellbeing services:
- Aviva DigiCare+ Workplace
- Red Apple Law legal services
- Grief Encounter
- Get Active
- Employer and employee mental health support
- Wellbeing Library
- Employer and employee hubs
- Wellbeing Training
* For Spouse/Partner Critical Illness, the maximum benefit available is £250,000 or the amount selected by the employee if lower. And for Children's Critical Illness, it's 25% of the value of an employees benefit, up to a maximum of £25,000.
** Lump sum benefit payments on Group Income Protection are only covered as a core benefit and are payable at the and of a chosen limited payment term should the employee continue to meet the definition of incapacity.
The wellbeing services are non-contractual benefits Aviva can change or withdraw at any time. This does not include Grief Encounter, who are a charity and is available to the general public. Terms, usage limits and residency restrictions apply.
How to apply
For a quote, email our team at
GroupProtectionSalesSupport@aviva.com
or get in touch with your Aviva account manager.
Our opening hours are Monday to Friday, between 9:00am and 5:00pm. For your protection and ours, calls to and from Aviva may be recorded and/or monitored.
Calls to 0800 numbers from UK landlines and mobiles are free of charge. Calls from outside the UK may be charged at international rates.
Related products
Group Life
Giving employees the reassurance that their loved ones will have some financial support, should the worst happen.
Group Critical Illness
We pay a lump sum if during the term of the policy an employee is diagnosed with a critical illness, undergoes an operation covered by the policy, or for some surgeries, is added to the NHS waiting list, and survives at least 14 days.
Group Income Protection
Providing financial support and rehabilitation services for employees unable to work due to illness or injury.
Key documents
Your Guide to Aviva Flex-pertise
Group Income Protection Flexible Benefits Technical Guide
Group Income Protection Policy Wording
Group Life Registered & Excepted Flexible Benefits (inc. Master Trust) Technical Guide
Group Life Registered & Excepted Flexible Benefits (inc. Master Trust) Policy Wording
Need to get in touch?
Existing policies
If you have a query about an existing policy, you can call our Group Protection team on 0800 051 3472 or email us.
Contact us
Still got questions? See our contact page for a full directory.
Our opening hours are Monday to Friday, between 9.00am and 5.00pm. For your protection and ours, calls to and from Aviva may be recorded and/or monitored.
Calls to 0800 numbers from UK landlines and mobiles are free of charge. Calls from outside the UK may be charged at international rates.