Our Offering

The Aviva Group Risk offering is geared towards delivering an effective and efficient service to both employers and employees.

Flexible benefit structure

Aviva's offering can be tailored to a company's needs. For example, employers have a choice of deferred periods to dovetail with company's sick pay arrangements. Early intervention and claims management expertise

With Aviva's ability to deal with claims efficiently, it can help facilitate an employees partial or total return to work at the earliest possible time by orchestrating effective rehabilitation. Added value benefits

Savings on home, motor and travel insurance direct through Aviva, as well as Health and Fitness Club discounts.

Group Income Protection
Group Life

Group Income Protection

The long-term sickness or absence of any key member of staff can incur large financial costs for a business.

Through Aviva, employers can not only protect their business from such costs, but provide a range of financial support and services to employees suffering from a long-term illness.

With Group Income Protection, should an employee become incapacitated through illness or accidental injury and unable to work long-term the employer can claim to have a proportion of the employee's income paid by Aviva that they then may pass onto the employee, through their normal PAYE process. Eligible claims benefit will be paid until the employee is well enough to return to work or reaches the scheme termination age (usually normal retirement age).

Group Income Protection gives employees peace of mind that a proportion of their salary may be paid should they be off work, long term, due to illness or accidental injury.

To help employees return to work quicker, we work with staff to provide the best rehabilitation solution.

What can employers look forward to?

• A genuine, interactive, professional claims service where claims are processed based on a personal approach, either face to face or over the telephone.
• The costs of long-term staff absence are able to be managed.
• Rehabilitation services that could dramatically help speed up the employee's return to work.
• An attractive staff recruitment and retention benefit.
• Peace-of-mind thanks to one of the largest Income Protection teams in the country.

Employees can benefit from:

• Greater financial security for themselves and their family knowing that in the event of a long-term illness they are looked after.
• Peace of mind that they needn't just rely on state benefits.
• Potentially accessing specialist medical services helping them to return to work and health more quickly.

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Group Life

With Group Life Insurance from Aviva, employers can give invaluable financial support to loved-ones of employees should they die in service.

Aviva covers all aspects of death, without exception. This helps employers to provide peace-of-mind to employees and their families that, if something should happen, they will be taken care of through a lump sum payment which is normally free of tax.

• Fulfilling moral obligations - A Group Life Insurance Policy is the single most fundamental way employers can demonstrate they recognise the moral obligations to employees. By providing such a scheme with Aviva, employees will feel valued and secure.
• Retain good quality staff - Offering Group Life Insurance demonstrates an employer's commitment to their workforce. It is a highly valued employee benefit and a useful recruitment and retention tool.
• Speedy payments - With Aviva, claims will be settled quickly - helping to minimise any financial hardships that loved-ones may be experiencing at the time.
• Bereavement helpline - Our 24 hour Stress Counselling Helpline can support employees and their families during their time of need, providing counselling to help them get their lives back on track.
• Multi-national pooling - A mechanism whereby employers can combine the insured employee benefits of its subsidiaries in different countries. This system allows a groups overall claims experience to be taken into account, offsetting a loss in one sector against a surplus in another, with any remaining surplus being paid to the parent company as a dividend.

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