Fixed premiums for fixed payments
Different to 'traditional' income protection, this product does not require proof of earnings which could be more suitable for customers who are self-employed or have fluctuating income. Premiums are guaranteed and will pay a fixed monthly payment if they're unable to work due to illness or injury. Any individual claim will pay out for up to 12 months and the cover amount can be set between £500 & £1500 per month. All this means that customers can focus on their recovery and getting back to work.
Adapts to your client’s needs
They choose the monthly amount and the deferred period based on the amount of income they want to replace and their current sick pay arrangements
Comprehensive package as standard
Including Support Plus, waiver of premium, back to work benefit, and life change benefit
Includes Aviva DigiCare+
A app linking your clients to services which help prevent, detect and manage health issues
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The tools you need
Your Income Protection Toolkit
Selling income protection isn't always easy.
Our income protection options offer the chance to help reach a wider range of clients and their needs. To help you meet these, we have created a toolkit of materials that aim to give you what you need at your fingertips to assist in making sure your clients are financially protected in the event of illness or injury.
Product details
Choosing Aviva Living Costs Protection
- It’s simple – With no complex calculations and no second guessing, it offers your client straightforward protection if they can’t work due to illness or injury
- You can count on us – In 2023 we paid out 92.5% of new income protection claims - paying £53.5m
- We want to help your clients stay healthier – Our Aviva DigiCare+ app helps your clients look after their health and wellbeing
- Complete cover that’s simple to understand – Use our What is protection? video as a starting point
What your clients get
This summary provides an overview of what’s available. For full terms and details, please see the policy summary or policy conditions
Always included
More choice
Available at an extra cost
Making a Claim
From filling out paperwork to giving extra support, we aim to make a difficult time a little easier for your clients and their families.
To make a claim, they can call the team on
0800 158 3105
Lines are open Monday to Friday 8.30am to 5pm.
You can leave a message outside of these hours.
Calls may be monitored and/or recorded.
If online is easier, they can get the process started by filling in an online form telling us they need to make a claim.
Check out our track record
Visit our claims hub for details of the claims we’ve paid and the great work we do to support your clients when they need us most.
Quote, apply and track cases online
Visit ALPSKey documents and resources
Optional benefits
All available for an additional premium
Global Treatment
Global Treatment could give your clients the power of choice and make overseas treatment possible at a time when they’ll want to explore all the options.
Fracture Cover
Fracture Cover pays a one-off sum if your client suffers from 1 of 18 specified fractures during a 12 month period.
Business support
Doing protection business just got easier
We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.
ALPS in focus guide
Find out what ALPS has to offer, along with tips and tricks that could save you time.
Underwriting centre
Our digital hub contains everything you need to know about our underwriting.
Haven't found what you're looking for?
See our contact us page for a full directory.