What is Aviva Flex-pertise
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.
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 for Flex, they're choosing the UK's No.1 choice for Group Protection flexible benefits. We cover more than 700,000 lives with Aviva Flex-pertise, including employees from some of the UK's most established, well-known brands*.
*Based on 2021 in-force Group Protection lives insured under flex arrangements which Aviva provided to Swiss Re as part of the Swiss Re Group Watch, April 2022.
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
- 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
- depending on the benefits your client purchases, employees can access wellbeing 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. For a full breakdown of the services available with each product, please use the table below
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) Thrive: Mental Wellbeing smartphone app Get Active Aviva Line Manager Toolkit: Mental Health Wellbeing Library
| Bereavement helpline Stress counselling helpline Grief Encounter Get Active Aviva Line Manager Toolkit: Mental Health Wellbeing Library | Bereavement helpline Stress counselling helpline Grief Encounter Get Active Aviva Line Manager Toolkit: Mental Health Wellbeing Library | Aviva Digicare+ Workplace Personal nurse service Stress counselling helpline Get Acive Aviva Line Manager Toolkit: Mental Health Wellbeing Library |
*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 wellbeing services and customer discounts included under our cover are non-contractual benefits and can be changed or withdrawn at any time. They are available to employees who are permanent residents of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.
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.
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How to apply
To apply for Aviva Flex-pertiseTM, or for any questions, email us on
GroupProtectionSalesSupport@aviva.com
or speak to your Aviva account manager.
If your query relates to an existing policy please call
or email
GroupProtectionSalesSupport@aviva.com
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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