Group Income Protection

Supporting your clients to reduce long-term sickness absence

Help your clients provide financial and practical support to employees when they’re unable to work due to long-term illness or injury. Your clients can demonstrate a caring attitude towards employees, while allowing them to focus on their health, recovery and return to work.

Expert case managers

Our dedicated case managers will work closely with your clients' employees during the claims process, to help them make a safe and timely return to work

A proactive approach

We'll proactively manage health issues in the workplace, with the aim of reducing long-term absence in your clients' businesses

Focus on wellbeing

Our workplace wellbeing services can help your clients to create a healthier, happier workforce

Product details

Why Aviva Group Income Protection?

We’re experts in Group Income Protection, helping employees with their rehabilitation, recovery and, most importantly, their return to work. In addition to providing financial support when needed, this policy is heavily supported by our clinical expertise. We pro-actively look for ways to offer support that could improve the health and wellbeing of your client's workforce. 

Over the years, we’ve perfected our underwriting and claims processes, making them simple, efficient, effective and accountable. This means the policy’s easy to set-up, reducing the administration for your clients.


Features of Group Income Protection cover:

Tax efficient premiums – under current UK tax laws, premiums will normally qualify as an allowable business expense 

Flexible cover – different levels of cover can be chosen with our policy, grouping employees by multiples of salary or lump sum limits 

Free cover limit - up to a maximum benefit of £150,000, without the need for medical underwriting

Once only underwriting - medical underwriting will normally only take place once regardless of any subsequent increases in benefit 

Tele-interviewing – enables essential medical information to be captured by specialists to speed up underwriting decisions 

Cover from day one – we provide up to 90 days full cover during the underwriting process, excluding any pre-existing conditions 

Inflation protected benefits – an option to include a claim escalator, either fixed amounts, linked to the Retail Prices Index (RPI) or linked to Consumer Price Index (CPI)

Added-value services – access to the Aviva DigiCare+ Workplace smartphone app, provided by Square Health, as well as our Employee Assistance Programme which offers practical and emotional support. A wide range of Workplace Wellbeing solutions, including cancer support is also available when your clients' employees need a little help 

Overseas employees – we will need to be informed of any overseas members so cover can be considered. 

Information about tax is based on our understanding of current legislation. The law relating to tax may change in the future.

Selling and setting up a policy

What's needed to set up a policy?

Key points to cover with your client

Opportunities to sell

Added-value services

Our Group Income Protection cover includes a number of added value services that are available to your clients and their employees.

All of the services below are non-contractual and can be withdrawn by Aviva at any time.

Aviva DigiCare+ Workplace - provided by Square Health

Employee Assistance Programme (EAP)

Cancer Work Support Service

Workplace Wellbeing support

Get Active


Demonstrating our claims expertise to your clients

Making a claim

Get in touch

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How to apply

Email our team on

or speak to your Aviva account manager. 


If you're applying for a business with under 250 lives you can use our online system,

Aviva Group Protection Online.


If your query relates to an existing policy please call

0800 051 3472

or email

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. 

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