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.

Increase employee presenteeism & 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 

  • We provide a tax-free lump sum of either a fixed amount or multiple of salary to an employee's beneficiary should they die in service
  • Easy to set up - you can create a quote for your clients in as little as 20 minutes and go on risk straight away 
  • Master Trust option at no additional cost for registered and excepted schemes
  • Option to cover just key members, such as directors, or the whole workforce. Your clients can also choose different levels of benefit for different groups of employees
  • Grief encounter helpline to support children dealing with the loss of a loved one  
Added value benefits 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 
The range of added value services are non-contractual benefits available to scheme members who are permanent residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man and can be withdrawn by Aviva at any time.
 

Group Income Protection

Supporting your SME clients to reduce long-term sickness absence

  • We'll cover up to 80% of salary of an insured employee who is unable to work due to long-term illness or injury
  • Options to cover up to 5% of national insurance contributions and 5% employer pension contributions. Costs which can add up over time and impact a small business
  • Early intervention services from experienced SME teams. For your clients who may not have an internal HR or wellbeing team, this can be a helping hand to prevent a small problem snowballing in to 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. We'll work with your clients to help achieve a safe and suitable return to work, where possible
Added value 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 advice
  • 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 range of added value services are non-contractual benefits available to scheme members who are permanent residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man and can be withdrawn by Aviva at any time.
 

Group Critical Illness

Financial reassurance when it’s needed most

  • We'll pay a tax-free lump sum of either five times salary or a maximum of £500, 000, whichever is lower, to support an employee diagnosed with a critical illness or operation covered by the policy 
  • Children automatically covered up to £20, 000 
  • Standard (15) or extended cover options (additional 27) 
  • Cancer drugs fund option
Added value 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 advice
    • 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 range of added value services are non-contractual benefits available to scheme members who are permanent residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man and can be withdrawn by Aviva at any time.
 

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