Supporting your SME clients

Taking care of smaller businesses and their employees

At Aviva, we know it’s not one size fits all when it comes to Group Protection. The needs of SMEs can depend on size, industry and access to HR support and many other factors. To work successfully with SMEs it requires a tailored and personal approach to match the products to their needs.

Making up 99% of UK businesses, SMEs are the core of the UK workforce and economy. That’s why we’re dedicated to helping them attract and keep talent and support the wellbeing of their employees so they can focus on growth. 

Work with experts

Work with an experienced team who understand SME needs to get a solution that’s right for your clients.

Quick online quoting

Create a new Group Protection quote between 3-250 lives from start to finish in around 20 minutes.

Language that’s easy to understand

Get jargon-free brochures that explain the detail in laymans terms, leaving you to focus on the purchase process.

Why Group Protection is good news for your SME clients

Attract and retain talent 
In today's competitive market, smaller businesses are competing for the same pool of talent as larger organisations. Group protection is one way for SMEs to stand out from the crowd when it comes to the recruitment process.

Improve employee wellbeing

Smaller businesses may not have the dedicated HR or wellbeing teams available to larger corporate businesses. With Aviva Group Protection we provide a whole offering focused on helping employees become happier and healthier. In turn, that could lead to business benefits such as increased employee engagement, improved productivity, and reduced absenteeism. All of these benefits could help contribute to improvements in the bottom line.

Flexible premium payment options

All our Group Protection product premiums can be paid annually, every six months, quarterly or monthly. Your clients can choose which works best for them.

What we offer

Group Life

Financial and emotional support should the worst happen 

  • When an employee dies, Group Life cover provides some financial support by making claim payments to the trustees, or directly to the beneficiaries. 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 and if it's an Excepted policy or a Master Trust Registered or Excepted policy then the policy can go on risk immediately
  • 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 
Wellbeing services including: 
  • Bereavement support from qualified counsellors to help your clients' workforce deal with grief  
  • Access to stress counselling from Care first giving employees the option to talk to trained counsellors about issues they feel are troubling them 
  • Access to discounts on health and fitness clubs and activities across the UK via Get Active 
  • Support for children dealing with the loss of a loved one via the Grief encounter helpline 
  • The Aviva Line Manager Toolkit: Mental Health which offers bite-sized videos to help your client's line managers identify signs and symptoms of poor mental wellbeing among team members, both in the physical and remote work environment
  • An online library full of useful content, hints and tips - including guides and tools. In the Wellbeing Library your clients' employees willl find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions 
These services are non-contractual benefits that Aviva can amend or withdraw at any time. The services are available to employees who are permanent residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
 

Group Income Protection

Supporting your SME clients to reduce long-term sickness absence

  • 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. 
Wellbeing services including: 
  • The Aviva DigiCare+ Workplace smartphone app. It gives them the guidance and care they need to help detect, manage and prevent physical and mental health problems. The app has five key features:
  • annual health check
  • second medical opinion
  • nutritional consultations
  • mental health consultations
  • Digital GP app to help reduce absenteeism and stress around booking appointments

  • In-the-moment support, with a 24/7 helpline via the Employee Assistance Programme (EAP) . Provided by Care first, the EAP provides your clients' employees with access to qualified counsellors for them to talk to about any personal issues they may have
  • Access to an NHS-approved mental wellbeing app. The Thrive: Mental Wellbeing app provides your clients' employees with simple, effective, evidence-based tools to improve their mental wellbeing
  • Discounts on health and fitness clubs across the UK via Get Active
  • The Aviva Line Manager Toolkit: Mental Health which offers bite-sized videos to help your client's line managers identify signs and symptoms of poor mental wellbeing among team members, both in the physical and remote work environment
  • An online library full of useful content, hints and tips - including guides and tools. In the Wellbeing Library your clients' employees willl find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions 
These services are non-contractual benefits that Aviva can amend or withdraw at any time. The services are available to employees who are permanent residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
 

Group Critical Illness

Financial reassurance when it’s needed most

  • 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 £20,000)
  • 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
Wellbeing services including:
  • The Aviva DigiCare+ Workplace smartphone app. It gives them the guidance and care they need to help detect, manage and prevent physical and mental health problems. The app has five key features:
    • annual health check
    • second medical opinion
    • nutritional consultations
    • mental health consultations
    • Digital GP app to help reduce absenteeism and stress around booking appointments
       
  • Access to stress counselling, provided by Care first. Your client's employees can talk to trained counsellors about issues they feel are causing them stress
  • A dedicated personal nurse, should they make a claim. Red Arc Personal Nurse service offers employees and the families long-term practical and emotional support over the telephone
  • Discounts to health and fitness clubs across the UK via Get Active 
  • The Aviva Line Manager Toolkit: Mental Health which offers bite-sized videos to help your client's line managers identify signs and symptoms of poor mental wellbeing among team members, both in the physical and remote work environment
  • An online library full of useful content, hints and tips - including guides and tools. In the Wellbeing Library your clients' employees will find sections offering helpful support on all kinds of situations, from family and relationships, money or work, mental or physical health conditions
These services are non-contractual benefits that Aviva can amend or withdraw at any time. The services are available to employees who are permanent residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.

 

Making a claim

We've made it easy for your clients to make a claim 
 

Making a Group Life claim

It’s quick and easy to make a Group Life claim – and there’s usually no need to send us the original death certificate. Simply ask your client to complete the online claims form.

For Master Trust policyholders, please ask your client to send an email to grouplifeclaims@aviva.com

 

Making a Group Income Protection claim

We need to know if an employee is off sick for four weeks or more.

You or your client can do this by calling us on 0800 142 2377. Lines are open Monday - Friday 8.30am-5.00pm. 

Group Income Protection claims can also be started using our online claims form.  

You may need to start the claim on behalf of your client. Or your client can start the claim using our online employer claims form.

 

Making a Group Critical Illness claim

A claim for Group Critical Illness can be made by an employer or an employee. We need to know about the illness or operation within three months of diagnosis.

They can call us on 0800 015 7523 or use our online claims form. Lines are open 8.30am-5.00pm.

There are two online claims forms. One for claims made for employees and another for claims made for a partner or child

Overcoming objections

Today’s economic environment can be challenging. However, many business owners will welcome an opportunity to gain competitive advantage in the recruitment and retention landscape and support the financial, physical and mental wellbeing of their employees. Offering employees more than just a salary is a great way for businesses to show they value their staff and help reduce absenteeism. 

Here are some of the common objections you’ll hear if you make an approach about Group Protection and some guidance to help overcome them.

 

“My company has PMI – I don’t need Group Protection”

Group Protection provides financial support in difficult times for employees and their loved ones. While Private Medical Insurance can give them the fast and efficient care they need, Group Protection can help relieve some of the financial strain for employees who are unable to work due to an illness or injury, or to support loved ones should an employee pass away in service.

 

“It’s too expensive, we can’t afford it”

Investing in Group Protection may be cheaper than they think. Some policies can start from less than 1% of payroll and with the wellbeing benefits included, they can save on other costs too. For example, with Group Income Protection and Group Critical Illness, our DigiCare+ Workplace app provides a Digital GP at no additional cost.

Not only that, our wellbeing benefits are designed to help employees live a happier, healthier and fitter lifestyle. In turn, that could lead to business benefits such as increased employee engagement, better staff retention levels, improved productivity, and reduced absenteeism. 

 

“My employees don’t want Group Protection”

In 2020, we surveyed more than 700 small businesses and their employees to find out what they offered in terms of workplace benefits and what employees wanted. We found that employees valued workplace wellbeing support (39%), Life insurance (38%) and mental wellbeing / wellness apps / tools / webinars (34%). All these benefits can be obtained with Group Protection.

Our research summary details more about this and you can share our infographic to demonstrate this to your clients.

 

“It’s too much hassle to set up”

For schemes between 3-250 lives, a quote can be gained in as little as 20 minutes via our online platform, with the option to buy once reviewed, enabling your client to go on risk that same day, should they wish. When they’re happy with their quote, all they need to do it sign the application form and continue to pay their premiums.

 

“No, I still can’t see the point.”

A Group Protection policy is an expense that some business clients may find hard to value while their employees are all fit and healthy. However, it’s worth highlighting that post pandemic many are more aware of their physical and mental health. As an employer, investing in Group Protection can be a valuable step towards supporting employees and their business for the future. 

A team that understands the needs of SMEs

Our team is here to help you grow and support your portfolio. 

They’ll give you as much or as little support as you need.

Speak to your Aviva Account Manager today

or contact our team on GroupProtectionSalesSupport@aviva.com 

Marketing support

Adviser Resource Hub

Whether you're looking to grow your business, keep great relationships with your existing clients or increase your cross-sales, check out our Adviser Resource Hub for the resources to help you meet your goal.

From ideas to help you network more effectively, promote your business locally or make your business cards work harder - we've got it covered.

Visit the Adviser Resource Hub today and register for free.

Making it easy for you to serve your SME clients

How to apply

Get fast, efficient, and reliable quotes for schemes covering between 3-250 lives in less than 20 minutes using our online quote system, AGPOL.  

Login or create your account to access AGPOL

or speak to your Aviva Account Manager.

If you have a query regarding an existing policy please call

0800 051 3472

or email

GroupProtectionSalesSupport@aviva.com 

Lines are open 9.00am – 5.00pm, Monday – Friday. 

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. 

Go to AGPOL for a quote