Aviva Fusion (formerly AGPOL) FAQs

1. Go to connect.avivab2b.co.uk/public/Adviser/Login and click register in the right hand section of the page.
2. Complete the short online registration form which asks for details about you and the firm you work for. 
3. We'll check your details and email you an Online Account Number (OAN) within two working days (unless we need to contact you).
4. You can use your OAN and the password you created when you registered to log in to the adviser site. 
5. Once logged in, to access Aviva Fusion, navigate to the Group Protection tile and click 'Launch platform'. 

No. Like AGPOL, Aviva Fusion is accessed through our Aviva Adviser site. If you could already access AGPOL with your Online Account Number or Unipass, you'll be able to access Aviva Fusion.

If you've forgotten your password, use the 'Forgotten password?' link on the login screen.

You can also contact our helpdesk on 0800 056 4607. They'll check your details and help you through the password re-set process if needed.

You should use the below quoting criteria as a guide, but it is not exhaustive. 

We can quote online for:

• schemes with 3-250 lives
• Limited Liability Partnership members
• schemes not already insured with Aviva or Aviva Protection UK policies (former AIGL policies)
• companies registered on Companies House 
• schemes with up to four member categories.

We can’t quote for members who:

• are self employed
• are professional sports people
• work in licensed occupations, like pilots or captains
• are permanently based overseas
• are in high-risk occupations, e.g. emergency service workers, sewage workers or offshore workers.

If you're unsure, contact us on 0800 145 5684 or email grouprotectionsalessupport@aviva.com. 

No. There is no minimum premium on our Group Protection policies.

The following salary definitions are available for each product:

Group Life: 

• Basic annual salary 
• Basic annual salary plus the three-year average of any additional fluctuating emoluments
• P60 earnings in previous tax year from the employer  
• Limited Liability Partner Member Earnings (available for Equity Partner members only and must be an average of Partnership earnings over the preceding three years less any amount allowable against income tax as expenses before deduction for tax)  

Group Income Protection: 

• Basic annual salary 
• Basic annual salary plus the three-year average of any additional fluctuating emoluments 
• Basic annual salary plus the three-year average of any additional fluctuating emoluments and dividends 
• Limited Liability Partner member earnings (available for Equity Partner members only and must be an average of Partnership earnings over the preceding three years less any amount allowable against income tax as expenses before deduction for tax)

Group Critical Illness:

• Basic annual salary 
• Basic annual salary plus the three-year average of any additional fluctuating emoluments 
• P60 earnings in previous tax year from the employer  
• Limited Liability Partner member earnings (available for Equity Partner members only and must be an average of Partnership earnings over the preceding three years less any amount allowable against income tax as expenses before deduction for tax)  

If you have a salary definition your client would like to use but isn't available online, please contact us offline at groupprotectionquotes@aviva.com. 

• The minimum age for all products is set at 16.
• The maximum age for Group Income Protection and Group Critical Illness is 69.
• The maximum age for Group Life is 74.

Upload your data using one of two options:

Option 1:

Use an Excel spreadsheet or use our template available on the platform and save it as a normal Excel spreadsheet – our template does not require the use of a CSV file. 

Here are some tips for a successful data upload: 

• Make sure your Excel template includes the headers for first and last name, even if you're not intending to upload these. Our system needs to see all eight headers to upload the data:
  • first name
  • last name
  • date of birth
  • sex
  • work postcode
  • salary
  • job title
  • category
• Your data needs to be on the first tab of the spreadsheet.
• Ensure you don't have any duplicate columns, e.g. date of birth and DOB.

Option 2:

Enter member data manually. You'll need to add three members minimum and these will be shown in the table format once you reach step 7.

To make any amendments, simply click 'edit' and this will open up the member record for you to make changes. 

Yes. You can quote for members with medical underwriting loadings up to 200% for Group Life and 100% for Group Income Protection. These loadings will be ignored up to the new free cover level.

No. If you have a scheme where any lives have been declined, postponed or had exclusions applied, these cannot be quoted for online. 

You may still be able to get a quote with us by emailing the scheme details to our Underwriting Team at groupprotectionquotes@aviva.com. 

No. Our application form will be sent to you with some pre-populated information as a digital PDF in the on risk confirmation email. The form is interactive so you can type in the information required. You do not need to print the form. Simply save it and return it to us as instructed.

Yes. We can quote for Equity Partners who are members of a Limited Liability Partnership. Equity Partners can only be quoted online with associated employee members on the policy. 

For Group Income Protection schemes, these members will need to be included in the category option for Limited Liability Partnership Members. The benefit amount will be 50% of average earnings from their business over the previous three years, or such lesser period as the partner has been a partner of the partnership, less any amount allowable against income tax as expenses where applicable, and before the deduction of tax.

Yes. When selecting your product type at step 1, select the registered and excepted or registered and excepted Master Trust option. You can set up categories as either registered or excepted at step 5.

No you can't quote, renew, initiate a rate review or obtain scheme history reports for flexible benefit schemes. 

Quotes are valid for 90 days from the quoted date. Please check the quote document for the specific expiry date. 

You can renew most Aviva policies (except flexible benefit policies) starting with the letter G and which have between 3-250 lives. If you can’t renew online, you'll be prompted to generate an email and send your data to the relevant team.

When searching for your Group Protection policies on our Adviser site, you may be able to view your colleague’s Group Protection policies if they work at the same office as you.This may be a different experience to other products you service on our site.

This is due to the Terms of Business held between your company and Aviva, rather than yourself as an individual. This structure is reflected in the Adviser site, and as the Terms of Business are held with the company, other advisers viewing your policies will not breach any Data Protection rules.

For policies with under 20 members, you’ll be able to manually add, remove and amend members or use our Excel template.

For policies with over 20 lives, you won’t be able to manually edit members and will need to use our Excel template.

Please allow up to 30 minutes for the email to come through to you. If you’ve still not received an email from us,there may have been an error in the process of the renewal. We’ll contact you about this as soon as possible, usually within 48 hours.

If you do not hear anything from us please get in touch with the team at groupprotection@aviva.com.

If you have lots of changes to make or have a policy with more than 20 members to renew, you'll need to upload your member data using our Excel template. 

1. Once you've downloaded the template, click 'enable editing'. 
2. Hover over the title to find tips and guidance on how to correctly format your data 
3. It's important to make sure you've entered the data in the expected format to avoid the spreadsheet being rejected (e.g. no formulas or links to other data sources). 
4. Once you've added your data, save your file as a normal Excel spreadsheet 
5. Drag or upload your file into the blue box on your screen. 
6. Once it has successfully uploaded, you'll be able to see your data and make any changes. Please note, red notifications indicate that the member needs attention. This might be something like a missing category code. 
7. Amber notifications will show you any members that are to be excluded from the policy and will explain why within the system. An example of this may be that some members don't meet the eligibility criteria. 
8. If you make any changes, remember to click 'save'. 
9. Once you've saved your data, you'll be presented with a renewal overview which will give you a high level summary of the changes you've made. This is to ensure you're happy with the changes.
10. Click the confirm button at the bottom once you're happy and process your renewal.

You can start rate reviews for all non-flex policies where the policy number starts with a G.

From the dashboard, select the 'Rate Review' tab which will display all the policies that are ready to begin the rate review process:

1. Click the link to the policy that you want to review
2. Review the category overview
3. Download the data template, which provides you with the detail we require for rate review
4. Add the member data to your spreadsheet 
5. Save the spreadsheet containing your member data
6. Click the 'Send Rate Review data' button, where an email addressed to groupprotectionquotes@aviva.com is generated
7. Attach the data to the email and add your message, then send

Our quotes team will then review the data and provide you with a quote. We aim to respond within 10 working days.

You can download a scheme history report for any active schemes that are not flexible benefit, where the policy numbers start with a G and where at least the first accounts have been issued.

The exception to this is where the scheme is related to your own agency, in which case you'll be asked to request this from our Customer Operations team. 

From the dashboard, select the 'Scheme History' tab and click the download link for the scheme that you want the report for.

Scheme History reports will provide information from the last six years, or from the commencement date if less than six years.

The report includes:

• scheme information, including category information for each policy under the scheme
• premium history for the last six years for each active policy
• claims history for the last six years and all Group Income Protection claims that are in payment 
• medical underwriting information relating to active members
• medical underwriting no worse terms for active members.