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 starting up your scheme, right down 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.
Pensions / 17 Oct 2019
How fintech can help with member engagement
Aviva’s Steve Jackson discusses how technology is the way forward in helping members engage more frequently with their pensions.
Read more
Good business / 9 Oct 2019
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 / 9 Oct 2019
Mental health in the workplace: we need to talk
Jon Blackburn, Aviva UK Health & Protection Proposition Development Manager, wonders why so few people feel able to talk about mental health issues.
Read more
Pensions / 4 Oct 2019
Together, we can beat the scammers
Pensions represent the largest sum many people save. That’s a tempting target for criminals, but we can take steps to beat the scammers.
Read more
Sustainability / 3 Oct 2019
Why pensions and passions can go hand in hand
Zelda Bentham, Group Head of Sustainability looks at how helping people to invest sustainably through their pension can be a good move.
Read more
Health & Wellbeing / 25 Sep 2019
Seven ways to help your employees combat work anxiety
How can employers stop ‘Sunday dread’ ruining employees’ weekends and damaging the resilience of their businesses?
Read more
Health & Wellbeing / 19 Sep 2019
Sunday Dread: just how big a problem is work anxiety?
From sleeping poorly to feeling irritable, anxiety is having an impact on the UK’s workforce. But why is this and what can be done to tackle it?
Read more
Good business / 11 Sep 2019
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.
Read more
Pensions / 4 Sep 2019
Retirement planning: when it makes sense to name the day
Dale Critchley looks at how it pays to have a plan when it comes to retirement age.
Read more
Health & Wellbeing / 2 Sep 2019
Why and how SMEs can benefit from group life Master Trusts
Mark Jarred explains how Group Life Master Trusts can simplify financial support for bereaved dependants, saving time for busy SMEs.
Read more
Health & Wellbeing / 30 Aug 2019
Is presenteeism the new absenteeism?
The hidden cost of employees who soldier on when they’re sick.
Read more
Health & Wellbeing / 29 Aug 2019
Empowering wellbeing: if leaders don’t lead, it won’t work
Lisa Ost, Employee Wellbeing lead at Aviva explains the importance of developing a leader-led wellbeing culture.
Read more
Pensions / 14 Aug 2019
Engaging with pensions: 7 ways to get your employees onside
In football, owners and managers need to motivate their squads. The same is true of pensions, even if they don’t inspire the same devotion…
Read more
Pensions / 1 Aug 2019
How a good pension helps with an ageing workforce
Steve Jackson looks at how you can help your employees afford to retire by using your pension scheme effectively.
Read more
Health & Wellbeing / 19 Jul 2019
Employers agree it’s essential to look after wellbeing
Aviva works with BCC to host roundtable events on wellbeing – revealing employers’ strong views and growing recognition of its benefits.
Read more
Pensions / 19 Jul 2019
Charge disclosure or ESG considerations, which is more important?
Dale Critchley looks at what trustees should consider.
Read more
Looking for something else?
We offer a range of flexible insurance options to support your employees' and business needs.