Aviva Flex-pertise™

The flexible approach to employee benefits

Put simply, Aviva Flex-pertise lets your clients offer a benefits package where employees can take control of their own benefits. Your client first selects a flexible benefits programme that’s true to their company values. Employees can then choose the level of cover they need to suit their lifestyle.


Your clients can benefit from a simple process throughout, from scheme implementation to paying claims quickly

Expert support

You'll have direct access to a dedicated account manager, scheme underwriter and sales support consultant when you need it

Business benefits

Aviva Flex-pertise means your clients can offer a valuable package that suits them and engages their employees

Proposition details

Why Aviva Flex-pertise?

Our flexible protection benefits fit around the needs of your clients and their employees.

Your clients can:

  • Differentiate their benefits package from their competitors’, helping to recruit the best talent
  • Develop a flex programme that reflects their company culture
  • Decide the level of cover they’d like to offer as a core benefit, and how much they want to contribute
  • Access expert support - from setting up a scheme to asking for help, our dedicated team are here for them

And their employees will be able to:

  • Select from a range of benefits that suits their needs and budget
  • Include cover for their partner for certain benefits
  • Review and change benefits each year to reflect their changing needs
  • Amend their choices, following a lifestyle event, such as getting married or having a child
  • Access added value services such as the Aviva Digicare+ Workplace app, a second medical opinion, nurse advisory service, employee assistance programme and bereavement and stress counselling helplines. All at no extra cost.


Expert support

You’ll get direct access to a specialist flex administration team. You’ll also be aligned to a dedicated account manager, scheme underwriter and sales support consultant to ensure that you have the right support whenever you need it.



We want to make life easier for you and your clients. And from scheme implementation to building ongoing relationships and paying claims quickly, we always aim to keep everything as simple as possible.


Cover for the people who matter

Whether it’s critical illness cover for child-specific conditions, access to medical experts, or supporting those left behind when the worst happens, Aviva Flex-pertise offers employees and their loved ones support beyond the workplace.


Flexible solutions

You and your clients are in control. Aviva Flex-pertise is all about flexing our Group Protection proposition to fit your needs. We’ll help you to assess your client’s requirements and the issues their business faces, working together to build a solution that’s unique and relevant to them.

Cover options

Your clients can tailor their cover to meet their business’s and their employees' needs. Clients can arrange cover for 250 people and above - or 100 people and above when they choose the core level of Group Life cover.


Group Income Protection

Group Life

Spouse/Partner Life Assurance

Group Critical Illness

Minimum core benefit (selected and paid for by employer)

35% of salary

1 x salary paid as a lump sum payment

No core benefit required

No core benefit required

Maximum benefit levels available

80% of salary or £425,000 - whichever is lower

15 x salary


£500,000 or 5 x salary whichever is lower* 

Aviva Flex-pertise step options for employees

Up to 80% of salary, plus the option to increase the benefit payment term

Increases of 2, 3 or 4 x salary

Steps of £10,000 or £25,000

Steps of £10,000 or £25,000

Benefit type

Monthly benefit or lump sum payment**

Lump sum payment

Lump sum payment

Lump sum payment

Added-value services Aviva DigiCare+ Workplace
Employee Assistance Programme (EAP)

Bereavement helpline

Stress counselling helpline

Bereavement helpline

Stress counselling helpline

Aviva Digicare+ Workplace

Second medical opinion

Personal nurse service

Stress counselling helpline

*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 employee’s benefit, up to a maximum of £20,000.

**Lump sum benefit payments on Group Income Protection are only covered as a core benefit and are payable at the end of a chosen limited payment term should the employee continue to meet the definition of incapacity.

Please note that all added-value services included under our cover are non-contractual benefits and can be withdrawn at any time.

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Aviva Flex-pertise brought to life

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Including Group Protection options as part of your benefits package allows employees to make the right protection decisions for themselves and their loved ones. 

And, an attractive benefits package can give a workforce even more reason to stick around, helping businesses retain and attract talent.

We all need different levels of protection, at different times our lives.

Group Protection flexible benefit options gives employees choice, to select benefits that best suit their situation, lifestyle and budget.

And this choice and flexibility can help deliver options that work for all employees.  

When it comes to flex, Aviva Flex-pertise™ is the UK market leader for Group Protection flexible benefits.

Our cover provides more than just financial protection, with added value benefits offering emotional and practical support for employees and employers alike.

We’ve been involved in the flex market for more than 25 years, working with some of the UK’s largest employers.

We recognise how flex programmes have the potential to add value to different types of businesses, so we invest a great deal of time at the implementation stage, to understand what each employer needs.Aviva Flex-pertise™ gives access to a team of specialists to provide support every step of the way, making sure employers have what they need, when they need it.

And our simple processes make things easy for everyone.

Our solutions and expertise in the flex market demonstrate why you can trust Aviva to add value and support any business.

To find out more contact your financial adviser or your Aviva Account Manager.


How to apply

To apply for Aviva Flex-pertiseTM, or for any questions, email us on 


or speak to your Aviva account manager.

If your query relates to an existing policy please call

0800 051 3472

or email


Lines are open 9.00am – 5.00pm, Monday – Friday. 

For our joint protection, telephone calls may be recorded and monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free. 

Our Group Protection products

Group Life

Giving employees the reassurance that their loved ones will have some financial support, should the worst happen.

Group Critical Illness

Offering financial protection if employees are diagnosed with a critical illness, or undergo surgery covered by the policy.

Group Income Protection

Providing financial support and rehabilitation services for employees unable to work due to illness or injury.

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