High Value Protection

At Aviva we’re redefining our high value protection, to empower advisers and deliver the exceptional experience their high value clients expect.

And I’m excited to show you what’s changed.

By bringing together two expert teams and taking the strongest elements of both propositions, we’ve created something more robust, more focused, and more supportive than ever before.

Let’s begin with service — because in the high value space, exceptional service is essential.

Alongside Aviva’s already strong high value offering, we’re introducing our new Premier Service layer, built specifically for the most complex, ultra high value cases. 

Amongst many other benefits, advisers now have a named underwriter and administrator who stay with the case every step of the way.

We’ve also increased our cover capacity and streamlined our processes, now making bespoke pricing quicker, smoother, and easier to progress than ever before.

As for the proposition…

We’ve taken the Aviva proposition and enhanced it, creating a sharper, more comprehensive proposition for your high value clients.

And then there’s expertise.

Advisers benefit from hybrid distribution support for their high value cases.

They also get guidance and solutions training, direct access to expert underwriters, specialist admin support, and in house tax and trust professionals.

And with Aviva, advisers gain access not only to protection specialists, but to wealth and retirement experts too – helping them support clients across their full financial journey.

The Premier team at Aviva are a group of highly experienced underwriting experts with a genuine interest in large case underwriting and the passion to deliver the best possible outcomes for your clients. 

Every premier case benefits from an assigned underwriter and case handler, providing clients a truly bespoke service that adapts to them, throughout their journey. 

They’ll know the case inside out and provide regular updates at every stage. 

Our expert underwriters assess risk individually and holistically. 

Our case handlers arrange all evidence requests and proactively chase outstanding requirements to reach terms as quickly and smoothly as possible. 

And our medical provider offers an enhanced service for our premier cases, so clients can expect prompt arrangement of requirements at a time and place that suits them. 

Because prompt assessment and service are so important, we aim to assess applications within 24 hours and any evidence within two days. 

You have direct access to underwriters and case handlers for anything you need. 

Just pick up the phone and we’ll be delighted to talk it through. 

And for those questions where you’d prefer to email, we also have a dedicated premier mailbox. 

You can be confident that the Premier team at Aviva will support you in delivering the best possible customer outcomes for your high value clients. 

At Aviva, we’re redefining the way we help you meet the needs of your high value protection clients.

As well as enhancing our service, we’ve made some significant changes to our products, too.

By bringing together the best of our two propositions, as well as drawing on customer insight, and market data, we’ve made improvements in four key areas.

Let me take you through what’s changed.

The first area, new features for IHT planning.

We’ve introduced joint life second event term cover on Life Insurance+, giving you a flexible and cost-effective way to help your clients cover Inheritance Tax liabilities. 

We’ve also added a Gift Inter Vivos Benefit. This allows joint life cover to be converted into single life policies without further underwriting. 

Second, we’ve added greater flexibility.

We’ve enhanced the Guaranteed Insurability Options on Life Insurance+ by extending life change and separation benefits to rated customers, and we’ve introduced two IHT specific options.

Third, we’re increasing access.

We’ve increased maximum entry ages on both our Life Insurance+ and Whole of Life Insurance+ products to offer cover to more people and support later life planning.

Finally, we’ve enhanced pricing capability.

With greater cover capacity and improved processes, bespoke pricing for ultra high value cases is now quicker and easier to progress.

Added together, with our changes to service, these enhancements align protection more closely with the realities of high value advice — where certainty, flexibility and responsiveness matter.

Rules around Inheritance Tax are complex, often technical, and continuously evolving. And for many clients, navigating them can feel overwhelming.

The most valuable step clients can take is to seek personalised guidance from qualified financial professionals like you. That’s why at Aviva, we’re redefining our high value protection, to support your expertise at every step.

One of the simplest, most effective ways to help clients create certainty around Inheritance Tax is a protection policy written in trust. It can provide the funds they need to pay liabilities quickly, while keeping these costs outside of their estate.

As well as other benefits, our high value protection offers high maximum entry ages and cover limits, so you can build tailored strategies for clients who need later-life solutions or have more complex planning needs.

It’s also built to adapt, whether that’s to changes in circumstances or legislation, offering you confidence in a resilient and reliable solution.

And with market-leading features like Gift Inter Vivos Benefit and IHT Guaranteed Insurability Options, we’re there to help you support gift strategies and help clients manage evolving wealth plans.

Our goal is simple: to help you meet the high expectations of your clients with solutions that work today and continue delivering value tomorrow.