Living Costs Protection

Fixed premiums for fixed payments

Different to 'traditional' income protection, your client receives a fixed monthly payment if they're unable to work due to illness or injury – with no complex calculations for each eligible claim. It will be paid for up to 12 months and can be set between £500-£1,500 with a fixed premium amount. It's designed to help cover essential bills when times are tough.

Download your guide

Adapts to your client’s needs

They choose the monthly amount, the deferred period and how long the policy will last

Comprehensive package as standard

Including Support Plus, waiver of premium, back to work benefit, and life change benefit

Includes Aviva DigiCare+

A smartphone app linking your clients to services which help prevent, detect and manage health issues

Global Treatment

The power of choice when your clients need it

When someone becomes seriously ill, they could be facing a diagnosis that could affect their whole life. It’s a lot to take in.

What they need is the right treatment, delivered quickly and seamlessly. That could be NHS treatment. It could be private treatment. Or it could be that treatments outside of the UK can be more suitable to treat the specific condition, or they simply aren’t available at home.

That’s why we offer Global Treatment provided by Further at a small extra cost, alongside select personal protection+ products.

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 2020 we paid out 87.5% of new income protection claims - more than £44m
  • We want to help your clients stay healthier– Our Aviva DigiCare+ smartphone 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 ALPS

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 tracking guide

Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our guide to learn how tracking can help your business.

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.

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