Aviva Group Protection Online (AGPOL)

If you're growing your portfolio of clients with 3-250 lives, using Aviva Group Protection Online makes sense. Join more than 8,400 registered users and reap the benefits:

• Simple 5-step process that gets you a Group Protection online quote in around 20 minutes
• Load data just once and use it to quote for all our Group Protection online products
• Up to three year rate guarantees available for schemes over 100 lives
• Commission levels up to 30%
• Get your quote immediately in pdf format
• Policies can be put on risk the next day
• Self-serve policy renewals in around 30 minutes
• Policy renewal documentation provided within 30 minutes

We offer Master Trust arrangements for both Registered and Excepted online Group Life policies.

Master Trust arrangements are a simple way for your clients to set up and manage online Group Life policies, making it a cost-effective solution for SMEs. Our new enhancements mean Registered and Excepted Master Trust categories can be included together in one quote. Our Registered and Excepted Master Trusts are governed by professional independent trustees, PTL Governance Ltd.

The benefits of the Master Trust arrangements are:

• Simple to set up with single point of contact that minimises administration
• No need for an employer to set up and run a standalone trust
• Quicker on-risk process with no need to obtain a Pension Scheme Tax Reference (PSTR) number from HMRC
• Ease of access to our online Group Life products and full support in implementing the scheme
• No additional costs
• Holistic proposition that provides cover for both Registered and Excepted online Group Life policies
• Ongoing independent trustee governance for transparent management and payment of benefits

Before choosing either of the Master Trust options, please read the rules of the arrangement:

Aviva Registered Benefits Group Life Master Trust Rules

Aviva Excepted Benefits Group Life Master Trust Rules

Get all the support you need, whichever way works best for you

We have a range of materials to support you when using AGPOL. Our AGPOL user guide takes you from start to finish through the quote journey, plus some information on how to put clients on risk. 

Register for our next AGPOL training session to see first hand how to produce a new business quote. Plus you'll get the chance to ask your questions to our experts. 

Take a look at our frequently asked questions to help you get the answers you need. 

A team that truly understands the needs of SMEs

Get expert help and support from our experienced team, thanks to their up-to-date understanding of the needs of smaller businesses and the challenges they face.

The team can offer as much or as little support as you need, from taking you through the steps of selling Group Protection to producing AGPOL quotes and setting up Master Trust arrangements.

Contact our team today on GroupProtectionSalesSupport@aviva.com or speak to your Aviva Account Manager.

Whether you're looking to grow your business, keep great relationships with your existing clients or increase your cross-sales, check out our Adviser Business Accelerator.

From how to accelerate your website, how to attract and retain clients, to our webinar hub  - we've got it covered.

Visit the Adviser Business Accelerator today.

If you cannot find an exact match, we advise you to select the nature closest to your client or select ‘other’. We understand this is a frustration and we are working to expand the list of industries you can select so there are more options available to you.

Yes. Some industry types will impact the premium if we deem that industry to carry higher risk. However, there are lots of factors that can also impact the premiums, such as age of members, salary of members and location. Because of this, it’s important to remember that if your client finds us not to be the cheapest on one quote, it doesn’t mean we won’t be competitive on another. 

When adding an occupation to each member, please select one of our six occupation lookup options. These are:

• Professional, Director & Managerial
• Supervisory & clerical
• Skilled non-manual e.g. photographer or shop assistant
• Semi-skilled - less than 50% manual work e.g. Chef or Doorman
• Semi-skilled - more than 50% manual work, e.g. cleaner or construction worker
• Unskilled manual such as a labourer
  
  If any members do not have an exact match for the occupations provided, please use the closest match available for them.
  

Once your client has decided they would like to come on risk with us, all you need to do is login to AGPOL, navigate to the retrieve a quote button. Here you will be able to search for your quote by either the scheme name, quote reference number, or quoted date.

When you’ve found the right quote, click into it, and then select ‘go on risk’. From here you will need to provide the date the scheme is to go on risk, which can be up to 30 days in the future but cannot be backdated. You’ll also need to agree to our terms and conditions, confirm the answers to our initial question set are still correct and confirm that the illustration reflects the scheme and benefit basis as it is to be insured. Then you can click confirm. You will receive an email confirming that risk will commence at 0.01 hours on the date you have selected.

This email will include a range of forms which will need to be completed and returned to us. You’ll also receive a welcome pack for the employer to help with the onboarding process and get them familiar with all the wellbeing services.  

To self-serve a renewal up to 250 lives, you will need to do this through Aviva Group Protection Online (AGPOL) which will be accessed here

Click here for the AGPOL manual which provides guidance on completion of an online renewal or watch our how to videos:

• How to renew 
• How to upload data on AGPOL

You will need to register to our Adviser Site if you haven’t already done so. For more information, check out our

step by step guide or watch our ‘how to register’ video.

For further support, please contact our Distribution Support team on 0800 145 5684, Monday to Friday between

9:00am and 5:00pm, excluding weekends and bank holidays. Calls may be monitored and/or recorded or email or

email groupprotectionsalessupport@aviva.com for a response within 24 hours.