What is Aviva Flex-pertise™?
Cover that fits their needs 
Your employees choose the products that work for them, their lifestyle and budget. And if life changes, they can change their benefits with it.
A safe pair of hands 
We take care of everything, from setting up your scheme to paying your employees’ claims. Our dedicated team is there to help you whenever you need it.
Support when it matters 
We know life can be difficult at times. With Flex-pertise™, your employees have access to wellbeing services, which include accredited counsellors, bereavement support, a second medical opinion and more.
Quick links if you need something else
Manage your employee protection online, make a claim or find help and support using the links here.
A comprehensive range of employee protection
Offering a well-rounded benefits package can help attract and retain top talent. With Aviva Flex-pertise™, you can choose cover with the flexibility to meet your employees’ needs and your budget. It gives your employees more choice and control over their benefits - while you stay in control of the options, coverage levels, and contribution that work best for your business.
Group Critical Illness
If an employee is diagnosed with a critical illness or needs surgery defined by the policy, they’ll receive a lump sum payment. Child cover is included as standard.
- You decide the level of cover available and whether employees can increase it in steps of £10,000 or £25,000.
- We’ll make one lump sum payment if a claim is made.
Spouse or Partner Critical Illness cover
Employees can add this through Aviva Flex-pertise™ if they already have Group Critical Illness cover.
- You choose whether this option is available.
- We’ll make a lump sum payment if a claim is made.
Group Life Insurance
If an employee dies in service, Group Life provides financial and bereavement support to their loved ones.
- You set the core cover amount and can allow employees to increase their cover if they wish.
- We'll make a lump sum payment to the scheme trustees who then pass it on to any beneficiary(s).
Spouse or Partner Life Insurance
This works similarly to Group Life and provides a lump sum if an employee’s spouse or partner dies.
- You choose whether this option is available and the increase steps, up to a maximum of £250,000.
- We’ll make a lump sum payment if a claim is made.
Group Income Protection
Provides up to 80% of an employee’s salary if they can’t work due to illness or injury. They’ll also get rehabilitation support to help them back to work when they’re ready.
- You decide the cover options and payment terms. Employees can select their cover level - 50%, 66%, 75%, or 80% of salary - within the limits you set.
- You can also choose whether to offer flexibility on payment duration.
Wellbeing services
Our group protection products give your employees access to a range of non-contractual wellbeing and legal services, such as Aviva DigiCare+ Workplace, mental health support for employees and line managers, and cancer care support.
Why choose Aviva for Group Protection?
Our commitment to claims
We paid out over £559m across all our employee protection insurance policies in 2024, to over 9,300 customers.1
Comprehensive rehabilitation support
Last year, we provided rehabilitation support to more than 2,600 employees through our Group Income Protection, and delivered these services across 290 employers.2
Strong Group Life coverage
We paid out over £383m on Group Life policies.1
Prioritising wellbeing
We know wellbeing matters. Your employees will have access to a number of wellbeing services, such as Digital GP, counselling services, stress helpline and more. And we’ll support you and your leaders with wellbeing training.
Critical Illness Protection you can trust
Our Group Critical Illness cover paid out an average of £72,000 to just over 680 customers.1
1. Data provided by Aviva Group Protection Finance department, based on January – December 2024. From 9 April 2024, Aviva Protection UK Limited (formerly AIG Life) became part of the Aviva Group, and we’ve included their data from that date to December 2024.
2. Aviva Group Protection Rehabilitation data. January - December 2024.
How to get a quote and apply for Aviva Flex-pertise™
You'll need to take speak to an adviser to get a quote or apply for Aviva Flex-pertise™, so you can do one of the following:
Get in touch with your usual Aviva contact or current financial adviser. 
If you would like more information about our group protection products and services, get in touch with us and we'll be happy to help. 
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.
-
Group Protection
Group income protection costs
Find out what affects the cost of group income protection.
-
Group Protection
How does group income protection work?
Would your business benefit from group income protection?
-
Group Protection
Group critical illness insurance – the pros and cons
Find out how it could work for your employees and your business.
Explore our workplace products
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
We provide private medical insurance and group protection plans to help suit your business and wellbeing services that promote a healthy, happy workplace.
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.
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.