Be there when your employees need you with group protection
With group protection policies, you can build a benefits package that could help you attract and retain the best of the best. Offering financial reassurance and support, these policies are a valuable addition to your employees’ benefit package. Plus, you'll get access to a range of added-value wellbeing services, which vary depending on the policy you choose.
Available to employers of all sizes, our Group Protection policies can be flexible to suit your needs and your budget, even down to different benefits for different groups of employees. You can have cover for as few as three employees or more.
Group Life Insurance
Group Life Insurance - Financial support if an employee dies in service
- Flexible levels of benefits for different groups of employees, or you can offer the same level of benefits to all.
- Master Trust options where we take care of the legal responsibilities
Group Critical Illness
Group Critical Illness - Financial support for employees if they are diagnosed with a defined critical illness or have a defined surgical operation
- Standard or extended cover
- No medical underwriting needed
Group Income Protection
Group Income Protection - Financial support for employees during illness and injury
- Expert rehabilitation and case management
- Flexible benefit terms to suit your business
Introducing Aviva Flex-pertise™ for larger employers
If you’re looking for a flexible benefits package that adapts to work for both you as an employer and your employees, Aviva Flex-pertise™ could be just what you’re looking for.
It lets you choose a package that’s right for your business and your employees’ needs but also lets your employees choose the level of cover that suits them best.
Your Aviva Flex-pertise™ package can include:
- Group Income Protection
- Group Life
- Spouse/Partner Life Assurance
- Group Critical Illness
- Spouse/Partner Critical Illness Cover*
- Children’s Critical Illness cover (including child-specific conditions)*
*Only available if you or your employees choose Group Critical Illness.
Building a flexible protection benefits package in this way can help you attract and retain employees. You and your people will also get expert assistance when the need arises, including options that will help employees before they need to make a claim. And you can do it at a cost that suits you.
Quick links if you need something else
Manage your employee protection online, make a claim or find help and support using the links here.
Why choose Aviva for group protection?
Our Group financial strength and performance
Aviva’s strong financial stability and ability to pay obligations to policyholders has been recognised by global credit rating agencies, including S&P, Moody's and AM Best, who have independently assigned investment grade financial strength ratings (AA- / Aa3 / A+) to rated entities.
We're an experienced group protection provider
We cover more than 2.7 million people, insuring over £277 billion of group protection benefits across 12,169 policies.1
Our commitment to claims
We paid out an average of £1.1 million every day in 2024, settling 8,431 group protection claims.2
A name you can trust
We’ve been around for over 325 years, so you can trust that we know what we're doing when it comes to protection.
1. Aviva data from Swiss Re Group Watch 2025 report (data as at 31 December 2024)
2. Provided by Aviva Group Protection Finance Department based on January - December 2024.
Flexible protection package to suit your needs
We've outlined some of the benefits each type of protection policy offers. You can pick one or more to add value to your benefits package.
Group Life Insurance
- Prompt payment
In 2024, the average speed of payment across all group life claims was 2.96 days.3 - Master Trust options
Choose from Registered and Excepted Master Trust arrangements and let us take care of the legal responsibilities. - Focus on wellbeing
As well as financial support, there's access to practical and emotional support through a range of wellbeing services.
Group Critical Illness
- Child cover included
We automatically cover your employee’s children, providing help if they’re diagnosed with a specified critical illness, including child-specific conditions. - Spouse/partner cover available
If you choose to offer Aviva Flex-pertise™, you employees can add critical illness cover for their spouse or partner. - Focus on wellbeing
Access to a wide range of wellbeing services - including mental health support, Get Active discounts, and nursing support - plus the workplace training which can help you create a happier, healthier workforce.
Group Income Protection 
- Early intervention and rehabilitation
We can help you support your employees even before they need to take time out. In 2024, 86% of employees we provided with rehabilitation support returned to or remained at work.4 - Expert case management support
Our dedicated case managers work closely with your employees during the claims process, supporting them every step of the way. - Focus on wellbeing
Access to a wide range of wellbeing services - including Aviva DigiCare+ Workplace, mental health support for employees and line managers, and cancer care support - plus the workplace training which can help you create a happier, healthier workforce.
Wellbeing services are non-contractual benefits which Aviva can change or withdraw at any time. They're provided by Aviva and a handful of carefully selected third-party providers. Terms and conditions apply.
3. Based on Aviva only data from January - December 2024.
4. Aviva Group Protection Rehabilitation data. January - December 2024.
Learn about group protection
From understanding how the services work to finding out what has an impact on service costs, here you’ll find valuable information about providing group protection services for your employees.
Group Protection
What is group protection insurance?
Find out what it is and how it could benefit you and your employees.
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Group Protection
Group income protection costs
Find out what affects the cost of group income protection.
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Group Protection
What is group life insurance?
Learn more about group life insurance and how it works.
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Group Protection
Group critical illness insurance – the pros and cons
Find out how it could work for your employees and your business.
Get in touch about group protection
Find extra layers of business support
Building additional services on top of your workplace pensions can provide a fuller, more rounded package, both for you and your employees. Here’s how else we could support you.
Workplace pensions
Whether you’re a new company employing staff for the first time or you’re looking to switch providers, our workplace pension options are suitable for most types of businesses.
Group health insurance
You can tailor our health insurance to suit the needs of your business and your workforce, adding services or removing them to suit your budget.
Business insurance
Find out how we can help arrange the cover you need for your business, including your vehicles, your premises, and your liability.
Bulk purchase annuities
Defined benefit scheme trustees can look ahead with confidence, by harnessing our specialist expertise to reduce or fully remove your liability.
Financial advice for employees
Discover how Aviva Financial Advice can help your employees understand their financial needs and plan for the future.
Employees' wellbeing
Our products come with access to non-contractual benefits, like apps, financial advice, and other resources – such as support with mental health or healthier lifestyle choices.