• You are currently within Homepage
• Individual products
• Income Protection

Income Protection Solutions

Find out what one of our customers thinks about our Income Protection

Download the testimonials

Why not show our customers testimonials to your customers. Download them by right-clicking over the links below and selecting "Save target as".

• Income Protection from Aviva - Mrs Wallis' story

Income Protection Solutions is one of the most competitively priced products on the market, providing your clients with flexibility including a choice of Guaranteed or Reviewable rates, as well as a range of product features.

Our online application system makes it easy for you to sell, as well as our tele-interview process which means you don’t have to collect detailed medical information during the sale.

We’ve also recently made a number of other improvements to the product so it’s better for you and your clients. This includes those listed below, plus an improved commission payment of 150% for all new policies and a dedicated underwriter contact for your highest earning client’s applications (for applications of a monthly benefit of over £3000).

What does Income Protection Solutions give your clients?

• Protection promise - free accident cover during underwriting.
• Exclusion discount - should we put a mental health or back or neck exclusion on a policy the premium will be reduced by 5% (for each exclusion).
• Guaranteed or Reviewable rates.
• Cover provided for 60% of the first £25k of your client’s earnings, then 50% of the remainder up to a maximum of £180k.
• A choice of retirement ages up to 70 years old.
• Limited Payment Term paying benefit for up to 5 years.
• Deferment period choice of 4, 8, 13, 26, 52, 56, 104 and 112 weeks. To calculate a dual deferment period use our dual deferment period calculator
• Guaranteed Insurability Option.
• Lump sum benefit on death; during the first 12 months of a claim.
• Level or Index Linked (Retail Price Index) benefit basis.
• A dedicated team of highly trained Claims Advisers.
• Claims dealt with over the phone with the Claims Adviser completing the claim form with your client.

To aid you in your sales of Income Protection we have developed a number of tools and sales aids that can be downloaded using the links on the right.

Important: During the Income Protection Solutions application process please ensure you obtain and provide telephone contact information for the applicant. This is so we can obtain their medical information during a teleinterview.

Our Income Protection claims service

We have great pride in the claims service we offer our Income Protection customers, not only providing them with a streamlined claims process but also offering services to help them return to full health as soon as possible.

We have a number of testimonials, including video testimonials, so you can show your clients exactly what they will receive. To view these and find out more about our team of advisers visit our dedicated IP claims page.

Added value benefits

As standard with Income Protection Solutions your clients can look forward to a number of benefits that will help them stay healthy.

• 24-hour GP helpline
• 24-hour Stress counselling helpline

Find out more about added value benefits

Get a quote and how to apply

Obtaining a quote and completing your client’s application couldn’t be easier. Simply obtain a quote from the following online portals and follow the links to apply.

• The Exchange
• Assureweb
• Webline

To view details of the application process visit our step-by-step guide. We have also developed a teleinterview guide for your clients so they know what to expect. This can be found on our main consumer site at www.aviva.co.uk/income-protection/existing-customers/teleinterview.
If you would like further details on how we underwrite our policies visit our online underwriting guide.