Group Protection for smaller businesses. Aviva’s got it covered.
We understand the needs of your SME clients
Small and medium sized businesses form the backbone of the UK economy. And yet, many of these businesses lack a crucial safety net: a group protection policy.
The fear of employees being off work for extended periods due to illness or injury is a genuine concern for businesses, but their continuity plans do not always have the right financial security pillars put in place.
At Aviva, we recognise the unique challenges faced by SMEs, and so we designed our suite of Group Protection products to provide financial security when it matters most. But we also go beyond that. With the current cost-of-living crisis and the importance of wellbeing in the workplace, we can offer tailored solutions and wellbeing services to support your clients’ businesses and their employees holistically.
Work with experts
Client focussed policies
Jargon free language
How Group Protection Benefits your clients
Attract and retain talent
Knowing their loved ones are protected in case of unexpected events could enhance job satisfaction, increase wellbeing and reduce stress – fostering a more positive work environment and giving a competitive edge to the employer when attracting new employees.
Improve employee wellbeing
Smaller businesses may not have dedicated HR or wellbeing teams available. Our Group Protection policies offer access to wellbeing initiatives, promoting physical and mental health. Employees can benefit from resources such as digital GP services, employee assistance programmes, and more.
Enhanced support for businesses
Offer your clients access to workplace training sessions and additional employer support. If they need to make a claim they will be put in touch with our dedicated SME claims team that understand the specific needs of smaller businesses.
What we offer
Group Income Protection
This provides a business’s employees with the protection that if they become ill and can no longer work for a certain period of time, their income will still be paid.
Policy details
Flexible policy design - we offer a range of benefit levels and payment terms, designed to meet the needs and budgets of individual businesses
We’ll cover a percentage of your employees’ gross taxable earnings if they are absent from work long term due to illness or injury. The maximum benefit you can choose is 80% of gross taxable earnings up to a maximum £425,000
We can cover employer’s pension scheme contributions either for fixed amounts, or based on a percentage of pensionable salary, up to a maximum annual amount of £75,000. The employers’ national insurance contributions can also be insured
Early intervention services from experienced SME teams. For your clients who may not have an internal HR or wellbeing team, this can help prevent a small problem becoming something bigger
Expert claims pathways to help make the process as smooth as possible. We make it quick and easy for employees when we assess claims, taking information by phone and using digital signatures to gather consent, meaning there are no forms to complete
Rehabilitation services designed to get the right support for your clients and their employees. The sooner we can help your clients' employees, the sooner they can begin their recovery - our early intervention and rehabilitation services are designed to help them remain at work, or make a successful return to work when the time is right
A range of wellbeing services to support employees:
The Aviva DigiCare+ Workplace app and services. Provided by Square Health, it gives your clients employees access to digital GP appointments, an annual Health Check, mental health and nutritional support and a second medical opinion
The Employee Assistance Programme (EAP) offers valuable support in all areas of life from a team of specialists all trained by Citizens Advice. Provided by Care first
Look after your clients employees mental health with accessible and confidential support from Thrive
Access to The Aviva Line Manager Toolkit: Mental Health - A suite of bite-sized videos – accessible anytime - to help your client's line managers support their team
Free and discounted legal services plus funeral support provided by Red Apple Law
Use of the Aviva Mental Health Guidance videos - A collection of short, useful videos to help support employees with their mental health
Employees can look after their physical health with discounts on gym memberships, exercises classes, and more with Get Active
Access to the Aviva Wellbeing Library full of useful content, hints, and tips - including guides and tools
Dedicated Employer and Employee Hubs for more information about their cover and what additional benefits they have access to
Wellbeing Training is an increasingly sought-after tool for supporting employee health as part of an overall wellbeing strategy. Our Wellbeing Training programme supports businesses in bringing wellbeing to the forefront
Working alongside our partners, Macmillan Cancer Support, we provide expert support for employees going through cancer
These services are non-contractual benefits which Aviva can change or withdraw at any time. Terms and residency restrictions may apply
Our Group Critical Illness policy provides a lump sum to insured employees if they’re diagnosed with a critical illness or undergo a covered operation. This covers a wide range of serious conditions, including ongoing cancer support.
Policy details
We will pay a lump sum benefit of up to five times salary (to a maximum of £500,000) to the employee if they are diagnosed with one of the critical illnesses or undergoes one of the operations which the policy covers, and they survive for 14 days after the date of the diagnosis or operation
Automatic children's cover at 25% of the member's benefit (up to £25,000)
Choice between standard cover and extended cover, which includes more conditions
Cancer drugs fund option, which pays the cost of drugs recommended by an NHS specialist up to £100,000 if their recommendation is rejected by the local commissioning body on financial grounds
Total Permanent Disability (TPD) cover option allows your clients to protect their employees even if they're diagnosed as totally and permanently disabled
Option to extend cover to protect employees' partners, up to £250,000
A range of wellbeing services to support employees:
The Aviva DigiCare+ Workplace app and services. Provided by Square Health, it gives your clients employees access to digital GP appointments, an annual Health Check, mental health and nutritional support and a second medical opinion
Access to 24/7 stress helplines provided by Care first
A dedicated personal nurse service plus nursing advice and support from RedArc
Free and discounted legal services plus funeral support provided by Red Apple Law
Employees can look after their physical health with discounts on gym memberships, exercises classes, and more with Get Active
Access to The Aviva Line Manager Toolkit: Mental Health - A suite of bite-sized videos – accessible anytime - to help your client's line managers support their team
Use of the Aviva Mental Health Guidance videos - A collection of short, useful videos to help support employees with their mental health
Access to the Aviva Wellbeing Library full of useful content, hints, and tips - including guides and tools
Dedicated Employer and Employee Hubs for more information about their cover and what additional benefits they have access to
Wellbeing Training is an increasingly sought-after tool for supporting employee health as part of an overall wellbeing strategy. Our Wellbeing Training programme supports businesses in bringing wellbeing to the forefront
Working alongside our partners, Macmillan Cancer Support, we provide expert support for employees going through cancer
These services are non-contractual benefits which Aviva can change or withdraw at any time. Terms and residency restrictions may apply.
Visit our Group Critical Illness wellbeing services page to find out about the wellbeing services available through Group Critical Illness. Please note that some of our Wellbeing services are provided by trusted third party providers.
Group Life
Provides financial security to employees’ families by offering a lump sum payment if the employee dies. This benefit can ease the financial burden during a difficult time, making sure that loved ones are supported. It’s a valuable addition to any business’s benefits package, helping to show the commitment to employees’ wellbeing and that of their families.
Policy details
For Registered schemes, lump sums payable are normally tax-free up to the member’s Lifetime Allowance (LTA). For Excepted schemes, these are also usually tax-free and do not count towards a member’s LTA
Easy to set up – you can create a quote for your clients in as little as 20 minutes. If it’s an Excepted policy or a Master Trust Registered policy then the policy can go on risk the next day
Master Trust option at no additional cost for Registered and Excepted schemes
Flexible cover – different levels of cover can be chosen with our policy, grouping employees by multiples of salary or lump-sum limits
A range of wellbeing services to support employees:
The Aviva DigiCare+ Workplace app and services. Provided by Square Health, it gives your clients employees access to digital GP appointments, an annual Health Check, mental health and nutritional support and a second medical opinion
Access to a 24/7 stress helpline provided by Care first
In-the-moment support from qualified bereavement counsellors. For insured employees if they lose a loved one, and their immediate family if the employee dies. Provided by Care first
Free and discounted legal services plus funeral support provided by Red Apple Law
Employees can look after their physical health with discounts on gym memberships, exercises classes, and more with Get Active
Access to The Aviva Line Manager Toolkit: Mental Health - A suite of bite-sized videos – accessible anytime - to help your client's line managers support their team
Use of the Aviva Mental Health Guidance videos - A collection of short, useful videos to help support employees with their mental health
Access to the Aviva Wellbeing Library full of useful content, hints, and tips - including guides and tools
Grief Encounter signposting - a charity supporting young people struggling with the loss of a parent or loved one
Wellbeing Training is an increasingly sought-after tool for supporting employee health as part of an overall wellbeing strategy. Our Wellbeing Training programme supports businesses in bringing wellbeing to the forefront
Working alongside our partners, Macmillan Cancer Support, we provide expert support for employees going through cancer
Dedicated Employer and Employee Hubs for more information about their cover and what additional benefits they have access to
With the exception of Grief Encounter, these wellbeing services are non-contractual benefits which Aviva can change or withdraw at any time. Terms and residency restritions may apply.
For more documents on Group Income Protection, Group Critical Illness and Group Life, please visit our document library.
We’re here to help
Our team is here to help you support your clients. With years of experience in this space, we’re adept at answering a vast range of questions and helping our clients and yours in so many different scenarios.
To help complement your client’s wellbeing strategies, we offer quarterly wellbeing training sessions to help your clients better understand what their employees may be facing.
For our joint protection, telephone calls may be recorded and monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free.
