Protection News & Insights
Protection Knowledge Centre articles
Redefining our high value protection: a new era of support for advisers and their high value clients
Fran Bruce, Managing Director, Protection at Aviva, shares her thoughts on our enhanced high value protection offering.
When product meets person: why group critical illness matters
Julian Nurse, Large Corporate & SME Product Lead for Protection at Aviva shares a reflective story on meeting someone whose experience brought to life the real value of group critical illness cover for employees.
From mortgage-led to client-led: how menu plans are changing protection advice
Brianna Saraceno, Protection Propositions Manager at Aviva, explores how menu plans are reshaping protection advice, helping advisers build tailored, affordable cover solutions that balance income protection, workplace benefits and long-term financial resilience for clients.
Financial advice or lifestyle coach? The evolving role of the HNW adviser
High net worth clients increasingly need support beyond financial planning. Patti George, Market Development Manager at Aviva, explores how advisers can combine technical expertise with emotional intelligence to help clients navigate wealth, family and legacy conversations.
Inheritance Tax and HNW clients: five key protection tools
Rebecca Lowe, Retail Product Lead for Protection at Aviva, outlines five essential protection tools to help advisers address growing inheritance tax (IHT) challenges for high net worth clients.
Workforce health, digital change and real support: what 2025 taught us
Jason Ellis, Director of Group Protection Distribution at Aviva, shares his reflections on the insights and lessons from 2025, including workforce health, digital change and the evolving role of Group Protection.
Business Property Relief and Agricultural Property Relief - a practical guide for advisers
James Dale, Aviva’s Retail Product Manager for Protection, explains one of the most significant changes to Inheritance Tax (IHT) planning in decades. The recent reforms to Business Property Relief (BPR) and Agricultural Property Relief (APR) will have a significant impact on clients who own farms and other businesses. Though both reliefs will continue to exist, the way they operate - and the level of protection they provide - changed fundamentally on 6 April this year.
The role of protection in Inheritance Tax planning
James Dale, Retail Product Manager, Protection at Aviva, explores how Inheritance Tax reform is increasing pressure on estate planning, and when advisers may need to write protection to meet growing liquidity needs.
A smarter way to reduce Inheritance Tax planning using the Rysaffe principle
James Dale, Retail Product Manager, Protection at Aviva, explores how advisers can use the Rysaffe principle to structure protection more efficiently, reduce unnecessary Inheritance Tax charges and improve long term estate planning outcomes.
Helping clients leave a legacy – not a liability
James Dale, Retail Product Manager, Protection at Aviva, explores why Inheritance Tax planning now matters to more clients than ever, and how advisers can use gifting, protection and trusts to help turn a potential Inheritance Tax bill into a positive legacy.
Keep Britain Working: What advisers need to know
Matt Smith, Rehabilitation Manager, Group Protection at Aviva, reflects on how the government’s Keep Britain Working Review signals a shift in how workplace health is delivered and why these changes matter for advisers supporting employer clients.
Helping SMEs build everyday resilience, not just secure cover
Julian Nurse, Large Corporate & SME Product Lead for Protection at Aviva, sets out why modern SME protection needs to go beyond payout moments. He explains how advisers can help clients build resilience through everyday wellbeing, early intervention and long term certainty.