Aviva's shield of protection

Income protection is a flexible, long-term policy that pays a proportion of your client's income if they’re unable to work or lose earnings due to illness or injury. This policy also comes with a range of extra benefits and support services, helping you get the cover your client needs. Your client can select from:

• Income Protection+ full benefit
• Income Protection+ 2-year benefit
• Living Costs Protection 

Choosing income protection

• In 2023, we paid out 92.5% of all income protection claims - totalling £53.5m.
• Claims can be made over the phone and online, giving your clients the easiest choice in their hardest time. We focus on paying claims quickly so your client can focus on recovery.
• Cover that's simple to understand, helping you give your clients peace of mind.

What your client gets

• With Living Costs Protection, we always include waiver of premium, life change benefit (only available if your client's original cover was accepted on standard rates), and back to work benefit.
• In addition, with Income Protection+ we also include hospital benefit, trauma benefit, benefit guarantee, as well as the option to select how long the payments are recieved for:
  • up to 2 years each time your client is incapacitated (2-year benefit), or
  • for as long as your client is incapacitated, up until when your client has chosen for the policy to end (full benefit).
• Optional add-ons are also available with both Income Protection+ and Living Costs Protection, at an extra cost:
  • Global Treatment, provided by our partner Further. Global Treatment gives clients access to international facilities, doctors and treatment all over the world.
  • Fracture cover, which provides financial support of to £6,000 to help tide your clients over while they recover from a specified bone fracture.

Expert support

• Our claims team is trained to work out, case by case, what else we can do to help support a return to normality. If it’s the best thing for you, we can help speed up your recovery through our rehabilitation support services provided by our partner IPRS.
• Your clients have access to the Aviva DigiCare+ app, which offers health and lifestyle benefits, treatment options and bereavement support. The Aviva DigiCare+ app and services are non-contractual benefits that Aviva can change or remove at any time. Terms and residency restrictions apply.

Things to consider

• If your client stops paying their premiums, we'll stop providing cover and premiums will not be refunded. 
• The policy has no cash-in value at any time.
• We will only pay out if a successful claim is made.

Find out more

Income Protection+ (webpage)

Living Costs Protection (webpage)

The difference income protection can make (pdf)

Alia's story (video)

Lorraine's story (video)

Life cover with the flexibility of adding critical illness. Both types of cover include terminal illness cover.  

Choosing life Insurance

• In 2023, we paid out 99.3% life insurance claims - totalling £761m.
• Life insurance can be adaptable to different needs and budgets, and we give the option to add critical illness.
• Cover that's simple to understand helping you give your clients some peace of mind.

What your client gets

• We always include terminal illness. House purchase cover is also included, except on family income cover.
• Life change benefit and separation benefit are included if your client's original cover was accepted on standard rates.
• Upgraded cover is available at an extra cost. Your clients can add:
  • Waiver of premium
  • Renewal option
  • Conversion option
  • Critical illness benefit and upgraded critical illness benefit
  • Children's benefit and upgraded children's benefit
  • Total permanent disability (if your client has included critial illness cover with their life cover)
  • Extra Care Cover (if your client has included critial illness cover with their life cover).
• Optional add-ons are also available with life insurance:
  • Global Treatment, provided by our partner Further. Global Treatment gives clients access to international facilities, doctors and treatment all over the world.
  • Fracture cover, which provides financial support of to £6,000 to help tide your clients over while they recover from a specified bone fracture.

Expert support

• Claims can be made over the phone and online, giving your clients the easiest choice in their hardest time.
• Your clients have access to the Aviva DigiCare+ app, which offers health and lifestyle benefits, treatment options and bereavement support. The Aviva DigiCare+ app and services are non-contractual benefits that Aviva can change or remove at any time. Terms and residency restrictions apply.

Things to consider

• If your client stops paying their premiums or cancel their policy, we'll stop providing and cover and premiums will not be refunded. 
• We will only pay out the full cover amount once, so when we've accepted a claim for the full cover amont the policy will end (unless your client takes out critical illness cover with Extra Care Cover).
• The policy has no cash-in value at any time.

Find out more

Life Insurance+ (webpage)

Life Insurance+ policy summary (pdf)

Critical illness cover helps your clients focus on their health, rather than their finances. Our Critical illness+ can flex to fit your customer’s needs and budget. Choose how much cover they need, how long it will last and how it’s paid. Upgrade or add cover for even more protection.

Choosing Critical Illness

• In 2023, we paid out 91.6% of critical illness claims - totalling £362m.
• We'll focus on paying claims quickly so your client can focus on recovery.
• Your clients can prioritise themselves without worrying about money.

What your client gets

• We always include children's critical illness benefit and additional critical illness.
• Life change benefit and separation benefit are included if your client's original cover was accepted on standard rates.
• Upgraded cover is available at an extra cost. Your clients can add:
  • Upgraded critical illness benefit
    
  • Upgraded children's benefit
  • Total permanent disability (if your client has included critial illness cover with their life cover)
  • Extra Care Cover (if your client has included critial illness cover with their life cover)
  • Waiver of premium
  • Renewal option.
• Optional add-ons are also available with both Income Protection+ and Living Costs Protection, at an extra cost:
  • Global Treatment, provided by our partner Further. Global Treatment gives clients access to international facilities, doctors and treatment all over the world.
  • Fracture cover, which provides financial support of to £6,000 to help tide your clients over while they recover from a specified bone fracture.

Expert support

• Claims can be made over the phone and online, giving your clients the easiest choice in their hardest time.
• Your clients have access to the Aviva DigiCare+ app, which offers health and lifestyle benefits, treatment options and bereavement support. The Aviva DigiCare+ app and services are non-contractual benefits that Aviva can change or remove at any time. Terms and residency restrictions apply.

Things to consider

• If your client stops paying their premiums, we'll stop providing and cover and premiums will not be refunded. 
• The policy has no cash-in value at any time.
• Your client will need to read the policy conditions to know exactly what they are covered for. There are different levels of severity required for each condition.
• We will only pay out the full amount once, after this your clients cover will end. If Extra Care Cover is selected, your client may be able to claim on this for up to one year after the initial claim. 

Find out more

Critical Illness+ (webpage)

Our products guide (pdf)

Critical illness quick reference guide (pdf)

Extra Care Cover (video)

Linda's story (video)

Wesley's story (video)

Fracture Cover

• Pays an additional lump sum, of up to £6,000, in the event of a fractured bone. 
• It can be added to Life Insurance+, Critical Illness+, Income Protection+ and Living Costs Protection for an additional cost of £4 per month. 

Find out more

Our products guide

Global Treatment

• Gives your clients access to overseas medical treatment for six critical conditions, including cancer, with all travel and accommodation costs covered.
• Global Treatment is provided by our partner, Further. It is available as an optional extra with Life Insurance+, Critical Illness+, Income Protection+ and Living Costs Protection for an additional £3 per month.

Find out more

Global Treatment (webpage)

Global Treatment (video)

Global Treatment guide (pdf)

Jenna's story (video)

• Aviva DigiCare+ complements your client’s personal protection product(s) by offering support for their physical and mental wellbeing.
• It’s ready to use as soon as your client’s policy is active, and the simple-to-use app makes it easily accessible.
• Aviva DigiCare+, provided by Square Health and a number of carefully selected partners, offers health and lifestyle benefits, treatment options and bereavement support. 
• The benefits within the app link to each other, and an allowance tracker helps your clients make the most of the benefits. And regular communications also remind your clients of what's available to them.  
• An annual health check helps clients take control by identifying potential health risks. 
  

Aviva DigiCare+ is a non-contractual benefit Aviva can change or withdraw at any time. Terms and conditions, residency restrictions and privacy policy apply, and can be found within the app. 

Find out more

Aviva DigiCare+ (webpage)

Introducing Aviva DigiCare+ (video)

Aviva DigiCare+ customer guide (pdf)

Domonik's story (video)

Gregg's story (video)

Sam's story (video)