Group Life

What your clients can expect from Aviva Group Life Cover:

• Our online claims process is quick and easy – in most cases, we won’t even need the original death certificate
• We pay eligible claims promptly and they generally fall outside of probate, giving beneficiaries financial support when they need it most
• In addition to financial support, we offer guidance, access to supportive helplines, and bereavement counselling
• Our Group Life policy is easy to set-up – we work closely with you and your clients to reduce administration, especially during the underwriting process

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of features and benefits are listed in the Group Life product brochure.

Non-standard terms may apply to your client’s policy.

When an employee dies, Group Life cover provides some financial support by making claim payments to the trustees, or directly to the beneficiaries. We also offer practical help to the employee's dependants, through services such as our Bereavement helpline.

Here’s some important information you’ll need to know:

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

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

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

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

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.

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

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  

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, for both online and offline business.

The Master Trust arrangements offer an affordable and simple process for employers to provide their employees with life insurance. 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 arrangements enable us to cover all insured members of an employer under either of the two trusts.

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

The benefits of the Master Trust arrangements are:

• 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

We’re dedicated to helping people live their best lives. That means encouraging them to consider their wellbeing in terms of everything they do.

By promoting healthier habits and small shifts in attitudes and actions, we can help people make informed, balanced and positive lifestyle choices. And if the going gets tough, we also have services to help your employees cope with things like stress and grief.

We believe our range of wellbeing services help your client's employees become happier and healthier, which could lead to increased employee engagement, improved staff retention, increased productivity and reduced absenteeism. All of which could help contribute to improvements in the bottom line.

 

Aviva Line Manager Toolkit: Mental Health

Developed by mental health professionals, the Aviva Line Manager Toolkit: Mental Health offers video modules and downloadable materials aimed at helping your client's line managers spot the warning signs of poor mental health. It also helps them identify reasonable adjustments and manage professional boundaries.

The toolkit gives your client's managers more confidence to have supportive conversations with team members, so they can address issues before they become more serious. The Aviva Line Manager Toolkit: Mental Health is available to insured and uninsured line managers as part of an eligible scheme. Terms apply

 

Stress Helpline

Provided by Care first, the Stress Helpline offers your client's insured employees over the age of 16 the chance to talk in confidence to trained counsellors about issues they feel are causing them stress.

The helpline can be a good place for employees who need help with personal or work-related stress issues. Talking and sharing can be the first step in helping to work through problems and resolve them, aiming to achieve the best outcome for employees and employers.

 

Bereavement Helpline

Also provided by Care first, the Bereavement Helpline gives your client's insured employees practical and emotional support from qualified bereavement counsellors to help them deal with grief when they lose someone close to them. And if your employee is the one that passes away, their family can use the service to help them cope with their loss.

 

Grief Encounter

Losing a parent or sibling is both devastating and life-changing for a child. Grief Encounter works closely with bereaved children, their family, school and other professionals to help them find a way through the anxiety, fear and isolation so often caused by grief.

 

Get Active

With Get Active, your client's insured employees can get discounts at over 3,000 health and fitness clubs, plus great at-home fitness offers and a range of savings on other products and services. It's all designed to help keep them and their families active, healthy and happy. Terms apply

 

Wellbeing Library

Stress and worry can take a toll on wellbeing, wherever it comes from. The Wellbeing Library is an online library of useful content, hints and tips - including guides and tools. In the Wellbeing Library, your client's employees will find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions. Whatever's on their mind, they can find information to help them deal with it. Available to all employees, insured and uninsured.

 

These services are non-contractual benefits and Aviva can change or withdraw them at any time. The services are available to employees and their families who are permanent residents of Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. 

Full details of the services available can be found in our Wellbeing Services guide.

Making a claim

In most cases, we don’t need to see the death certificate if we can verify the death online. We can normally do this for UK deaths, when registered for at least two weeks. Claims can be submitted before this to allow us to begin our assessment. Online verification gives time back to those affected so they can concentrate on other matters, such as funeral arrangements.

 

A simple online claims process

Please note, our online claims process applies to non-Master Trust options only.

There are a few simple steps to follow:

 

1. Complete member details

You or authorised individuals at the company can complete a claim form.

We'll need:

• Details of the policy, the scheme name and number
• The member's personal details and the date, location and cause of death
• The member’s employment details, including the length of time in service and salary

 

2. Confirm the payee details

We can make payment to a Trustees account or a third party account, which can include a company account, solicitors or direct to the beneficiary.

 

3. Review and submit

If we need a signed and printed copy of the claim form, we’ll provide a link to print the form to the person who submits the claim. We can accept a scanned and emailed copy of the signed form.

If there are any questions, or your client wants to change any of the details submitted, they can contact our Claims team on 0800 158 2714 or email grouplifeclaims@aviva.com

 

Death in service pension claims

If a death in service pension is being claimed, we’ll need the dependant’s details, the amount of pension payable and to whom this should be paid. We’ll also need the member’s marriage or civil partnership certificate, and birth certificates for any dependants who are to receive pension benefits.

 

Master Trust claims

If the claim is under a Master Trust scheme, your client will need to submit a paper Master Trust claim form.

 

Submitting a paper claim

To submit a paper claim, please download a Claim form from our document library.

It's important to note that we won't pay claims or requests for additional amounts of benefit that are submitted more than two years after a member's death.

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