Aviva Flex-pertise™

What is Aviva Flex-pertise

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.

Simplicity

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

The flexible approach to employee benefits

Not only do we offer a comprehensive range of flexible Group Protection benefits, we pride ourselves on our expertise and experience in the flex market.

When your clients choose us, they're choosing the UK's No. 1 choice for Group Protection flexible benefits*. We cover more than 850,000 lives with Aviva Flex-pertise, including employees from some of the UK's most established, well-known brands.

*Swiss Re Group Watch 2025 - based on data to end 2024.

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
access bitesize mental health training videos via the Aviva Line Manager Toolkit: Mental Health

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 a wide range of wellbeing services, including the Aviva DigiCare+ Workplace app provided by Square Health which gives access to an annual Health Check, Digital GP, mental health support and more.

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	£250,000	£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 multiples 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
Wellbeing services	Aviva DigiCare+ Workplace Employee Assistance Programme (EAP) Red Apple Law legal services Thrive app Get Active Employer and employee mental health support Wellbeing Library Employer and employee hubs Wellbeing Training	Aviva DigiCare+ Workplace Red Apple Law legal services Bereavement helpline Stress counselling helpline Grief Encounter Get Active Employer and employee mental health support Wellbeing Library Employer and employee hubs Wellbeing Training	Aviva DigiCare+ Workplace Bereavement helpline Red Apple Law legal services Stress counselling helpline Grief Encounter Get Active Employer and employee mental health support Wellbeing Library Employer and employee hubs Wellbeing Training	Aviva DigiCare+ Workplace RedArc personal nurse service Red Apple Law legal services Stress counselling helpline Get Acive 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 employee’s 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 end of a chosen limited payment term should the employee continue to meet the definition of incapacity.

The wellbeing services are non-contractual benefits which Aviva can change or withdraw at any time. This does not apply to Grief Encounter, which is a charity and is available to the general public.

Terms, usage limits and residency restrictions may apply.

Features

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.

Simplicity

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.

How to apply

Email our team on

GroupProtectionSalesSupport@aviva.com

or speak to your Aviva account manager.

If your query relates to an existing policy please call

0800 051 3472

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.