Introducing Aviva Flex-pertise™
Aviva Flex-pertise™ allows your staff to take control of their employee benefits. You select the package that's right for your business and employees' needs, and your employees can choose the level of cover to suit their lifestyle.
Watch this video to see how Aviva Flex-pertise™ can work for you and your employees.
You can use Aviva Flex-pertise™ with these policies:
- Group Income Protection
- Group Life
- Spouse/Partner Life Assurance
- Group Critical Illness
- Spouse/Partner Critical Illness cover*
- Children's Critical Illness cover (including cover for child-specific conditions)*
*Spouse/Partner and Children's Critical Illness cover are only available if you or your employees choose Group Critical Illness.
What are the benefits?
See how our flexible employee benefits can work for you and your workforce.
- Offer more than just a competitive salary
Flexible benefits give your employees something extra to support their individual circumstances.
- Expert assistance
From setting up to asking us for help with a scheme, our dedicated team will support you whenever you need it.
- Easy to manage
We'll take care of everything, from starting up your scheme, to paying your employees' claims.
- Manage your costs
Choose the core level of cover you want to offer and how much you'll contribute.
For your employees
- Choose the cover they want
Gives employees the chance to choose the cover that's right for their individual needs and budget.
- Protection for their loved ones
Your employees can choose to protect their partner with our Group Life or Group Critical Illness products.
- Control of their benefits
Employees can review their benefits if their personal circumstances change due to a lifestyle event.
- Support when they need it
Employees get access to a second medical opinion, 24/7 contact with BACP accredited counsellors, bereavement support and more.
Choose the level of cover you want
Tailor your cover to meet your business and employees' needs. With Aviva Flex-pertise™, you can arrange cover for 250 people and above, or 100 people and above when you choose the core level of Group Life cover.
|Group Income Protection||Group Life||Spouse/Partner Life Assurance||Group Critical Illness|
|Minimum core benefit (selected and paid for by the employer)||35% of salary||1 x salary paid as a lump sum payment||No core benefit required||No core benefit required|
|Maximum benefit levels available||80% of salary or £425,000 – whichever is lower||15 x salary||£250,000||£500,000 or 5 x salary – whichever is lower*|
|Aviva Flex-pertise™ step options for employees||Up to 80% of salary, plus the option to increase the benefit payment term||Increases of 2, 3 or 4 x salary||Steps of £10,000 or £25,000||Steps of £10,000 or £25,000|
|Benefit type||Monthly benefit or lump sum payment**||Lump sum payment||Lump sum payment||Lump sum payment|
|Added-value services||Employee Assistance Programme (EAP)||Bereavement helpline |
Stress counselling helpline
|Bereavement helpline |
Stress counselling helpline
|Stress counselling helpline|
*For Spouse/Partner Critical Illness, the maximum benefit available is £250,000 or the amount selected by the employee if lower. And for Children’s Critical Illness, it’s 25% of the value of an employee’s benefit – up to a maximum of £20,000.
**Lump sum benefit payments on Group Income Protection are only covered on core benefit and are payable at the end of a chosen limited payment term should the employee continue to meet the definition of incapacity.
Please note that all added-value services included under our cover are non-contractual benefits and can be withdrawn at any time without notice.
How to apply
If you'd like to offer Aviva Flex-pertise™ employee benefits, or have any questions, please speak to your financial adviser. Or, simply get in touch with your Aviva Group Protection account manager if you have one.
Please note, we are currently unable to offer direct new business quotes for Group Critical Illness, Group Income Protection and Aviva Flex-pertise™. We can offer Group Life insurance quotes direct.
Still need help? Give us a call:
Monday to Friday: 9:00 to 17:00
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of five years. Calls to 0800 numbers from the UK landlines and mobiles are free.
Expert business insight and analysis.
Good business / 17 Nov 2020
How the ‘Age of Ambiguity’ is affecting health and wellbeing in the workplace
As the line between home and work becomes increasingly blurred, what can employers do to keep employees healthy and engaged?
Health & Wellbeing / 16 Nov 2020
Dr Subashini M, discusses the developments in COVID-19 testing and explains why, in the case of antibody testing, she considers people should proceed with caution.
Pensions / 6 Nov 2020
Financial education: giving the right message at the right time
Laura Stewart-Smith looks at how to handle communicating with your employees during the pandemic.
Health & Wellbeing / 15 Oct 2020
Let’s talk about the menopause
The menopause doesn’t just affect women in the workplace – it’s an issue for us all. So, why don’t we talk about it more?
Good business / 14 Oct 2020
How a mid-life MOT can prepare employees for a better retirement
It’s worth making sure your middle-aged employees have checked that the pension choices they made decades ago are still fit for purpose.
Health & Wellbeing / 9 Oct 2020
Don’t know where to begin with wellbeing? You already have…
Debbie Bullock, Aviva’s Wellbeing Lead, describes how developing an effective wellbeing strategy might be simpler than you think.
Health & Wellbeing / 8 Oct 2020
Mental health in the workplace: we need to talk
Evidence shows that work is good for us, but it is still the leading contributor to mental health concerns. What can we do to change that?
Health & Wellbeing / 7 Oct 2020
Why supporting menopause in the workplace is urgent and important
Deborah Garlick, Director at Henpicked: Menopause in the Workplace, explains why introducing menopause support at work makes sense for savvy organisations.
Pensions / 7 Oct 2020
Rewiring investments for an electro-economy
Aviva announces our intention to decarbonise our automatic enrolment default funds and achieve net zero by 2050.
Pensions / 16 Sep 2020
What are the top three questions from retirement savers?
Laura Stewart-Smith talks about financial education and the questions that come up most often.
Pensions / 10 Sep 2020
7 ways to keep employees engaged with retirement savings
Getting your employees to think about their retirement savings can be tricky, but we have seven suggestions to help you get their attention.
Pensions / 5 Aug 2020
The changing face of financial education
With face-to-face seminars impossible at the moment, Chris Allen, explains how our financial education team have successfully moved online.
Pensions / 23 Jul 2020
Engaging employees with pension savings after coronavirus
Dale Critchley looks at the challenge the financial services industry faces in helping employees to re-engage with their pensions.
Health & Wellbeing / 23 Jul 2020
Looking after employees during the return to work
Matt Smith, Rehabilitation Manager at Aviva UK, looks at how employers can help employees feel more confident as they return to the workplace.
Health & Wellbeing / 22 Jul 2020
Supporting employees’ mental health as everything changes again
Clinical Nurse Consultant Heather Buckeridge looks at how employers can promote good mental health as more people return to the workplace.
Health & Wellbeing / 7 Jul 2020
Wellbeing: it has to be a culture, not a strategy
Sophie Money explains how you can make use of a resource you already have to make wellbeing work for you.
Looking for something else?
We offer a range of flexible insurance options to support your employees' and business needs.
Our cover will help look after your employee's family financially and emotionally if the worst happens.
Group Income Protection
We can support employees on long-term absence due to an illness or injury. And we'll help them return to work.