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.
Transcript
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.
For you
- 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.
Business perspectives
Expert business insight and analysis.
Health & Wellbeing / 24 Jun 2020
How to spot if your employees are burning out
Aviva’s Dr Doug Wright looks at how to spot the signs of burn-out and what you and your employees can do to prevent it.
Read more
Pensions / 23 Jun 2020
What furlough taught us about retirement planning
Dale Critchley looks at how furlough could give workers a glimpse of life after work and how that might help them focus on retirement planning.
Read more
Good business / 16 Jun 2020
Keeping employees motivated: what you can and can’t do
Rachel Fenoughty, of Aviva’s Learning & Development team, asks how employers can motivate employees in times like these – and concludes that they can’t…
Read more
Health & Wellbeing / 9 Jun 2020
It’s all in a good night’s sleep
Heather Buckeridge, Aviva clinical consultant nurse discusses how you can help you and your employees overcome problems sleeping.
Read more
Good business / 8 Jun 2020
Why businesses should talk more about employees caring duties
Jonathan Briggs, Group Head Talent Acquisition at Aviva, looks at why businesses should talk about flexible working for carers.
Read more
Health & Wellbeing / 3 Jun 2020
Looking after your back in lockdown and beyond
With many of us still working from home for the first time, you can take steps to make sure the pain doesn’t go straight to your back.
Read more
Good business / 1 Jun 2020
Why it’s good to keep your employees volunteering
With all the new guidelines surrounding coronavirus, traditional approaches to volunteering have had to change.
Read more
Pensions / 28 May 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 coronavirus pandemic.
Read more
Health & Wellbeing / 20 May 2020
The links between alcohol and mental health
Don Shenker, founder of the Alcohol Health Network, explains why it's important to understand the link between mental health and alcohol consumption.
Read more
Pensions / 19 May 2020
Are pension contributions an essential item when times are tough?
With the world beginning to come to terms with the financial impact of the coronavirus pandemic, Dale Critchley asks what this means for pension contributions.
Read more
Health & Wellbeing / 18 May 2020
Get your employees talking during Mental Health Awareness Week
Jo Potter, Group Protection Account Manager at Aviva, discusses how employers can use Mental Health Awareness Week to start conversations.
Read more
Good business / 13 May 2020
How to help your employees spot scams
Fraudsters rarely take a day off, even in the middle of a global pandemic.
Read more
Health & Wellbeing / 16 Apr 2020
Rediscovering your work/life balance
How do you find a way to juggle work and life when everything is happening in the same place? We share our tips to help employees.
Read more
Health & Wellbeing / 6 Apr 2020
Line managers and people managers: the voice of wellbeing
Sophie Money, Group Protection Workplace Wellbeing Manager at Aviva, explains why winning at wellbeing starts with managers.
Read more
Health & Wellbeing / 1 Apr 2020
Large business or small… embracing wellbeing offers big rewards
Wellbeing is good for businesses of all sizes, as well as their employees - Sophie Money, Group Protection Wellbeing Manager, explains why.
Read more
Health & Wellbeing / 24 Feb 2020
Are there generational differences in group protection provision?
Recent research on Millennials, Generation X and Baby Boomer employees points at different health, wellbeing and group protection solutions.
Read more
Looking for something else?
We offer a range of flexible insurance options to support your employees' and business needs.