Living Costs Protection

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.

Download your guide

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

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 2022 we paid out 94.3% of new income protection claims - paying £50.6m
  • 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 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 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.