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.
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
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 a second medical opinion, nurse advisory service, employee assistance programme and bereavement and stress counselling helplines. All at no extra cost.
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.
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 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 | Employee Assistance Programme (EAP) | Bereavement helpline Stress counselling helpline | Bereavement helpline Stress counselling helpline | 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, without notice.
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How to apply
To apply for Aviva Flex-pertiseTM, or for any questions, call us on
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.
Key documents
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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