Group Life

Your clients are in capable hands when they choose Aviva Group Life, some of the key features of our product include:

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 – we'll cover the majority of your clients' employees, up to a certain level of benefit, without needing to see their medical information

Spouse and partner cover – employees can protect their spouse or partner through a separate Group Life policy

Dependant pension options – our policy offers the option to provide a pension for the deceased’s partner, dependants or children

Group Life cover provides benefits to employees and the business:

Tax efficient premiums – premiums are usually treated as an allowable business expense

Tax-free payment – for Registered schemes, lump sums payable are normally tax-free up to the member’s Lifetime Allowance (LTA). For Excepted schemes, these are also usually tax-free and do not count towards a member’s LTA*.

Once only underwriting – employees who require cover above the free cover limit will only be medically underwritten once, up to a benefit of £5m

Support and counselling – as well as having trained bereavement counsellors on hand to help beneficiaries and employees who may have been affected by the loss of a colleague, your clients will also have access to the Aviva Line Manager Toolkit: Mental Health, Wellbeing Library, Stress helpline and Get Active.

The tele-interview – in some instances, employees will need to be contacted by one of our tele-interviewers – they'll capture essential medical information that can help provide faster underwriting decisions 

Help attract and retain talent – providing Group Protection benefits including Group Life cover, can help attract personnel, particularly beneficial if a business is looking for a specific skill set.

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

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

The Master Trust arrangements offer an affordable and simple process for employers. This process requires less time and resource to set up and manage Group Life policies, which means it can be a more cost-effective solution for your clients.

The Master Trust arrangements are governed by the main independent trustee, PTL Governance Ltd (PTL).

The benefits of the Master Trust arrangements include:

• Simple to set up with a single point of contact that minimises administration
• No need for an employer to complete a standalone trust
• Quicker on-risk process with no need to obtain a PSTR number from HMRC for a Registered Group Life policy
• Full support when implementing a scheme
• Effective solution to what could otherwise be a time-consuming and costly process
• No additional cost

Visit our Group Life wellbeing services page to find out about the wellbeing services available through Group Life cover. 

Services include:

• Aviva DigiCare+ Workplace app
• Red Apple Law Legal Services
• Stress Helpline 
• Bereavement Helpline 
• Aviva Line Manager Toolkit: Mental Health 
• Aviva mental health videos
• Wellbeing training
• Get Active fitness discounts
• Wellbeing library
• Aviva Cancer Care Support
• Employer and employee hubs
• Grief Encounter signposting

All wellbeing services except Grief Encounter are non-contractual services, which Aviva can change or withdraw at any time. Terms and residency restritions may apply. 

Before completing any forms, your client will have to decide if there will be age requirements associated with the scheme – such as a fixed probationary period. 

However, every employer must comply with the Equality Act 2010. They should therefore think about:

• The levels of benefits they’d like to offer to employees
• The cease age for the policy
• The eligibility criteria and the category of employees that are to be covered

To start a quote for 3-250 lives, you can do this in around 20 minutes by logging in to our online platform, AGPOL (Aviva Group Protection Online).

If your client has more than 250 lives to be insured, please email us with details of all the members to be insured, including any long term absentees and a completed Group Life Application form. 

Information on how to make a Group Life claim can be found on our Group Protection claims page.

Here's an overview of what the page includes:

• How to make a Group Protection claim
• Frequently asked questions
• Our latest claims report
• Customer stories