Aviva Flex-pertise™

Giving your employees more control

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.

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 Cover Spouse / Partner Life Assurance Group Critical Illness Children's Critical Illness Cover
(Automatically included with Group Critical Illness)
Spouse / Partner Critical Illness
(Available if Group Critical Illness is selected)
Minimum core benefit (selected and paid for by the employer) 35% of salary 1 x salary payable as a lump sum payment No core benefit required No core benefit required 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 25% of the value of an employee's benefit up to a maximum of £20,000 £250,000 or the amount selected by the employee, whichever is lower
Aviva Flex-pertise™ step options for employees 80%, 75%, 66% or 50% 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 Not applicable Steps of £10,000 or £25,000
Benefit type Monthly benefit or lump sum payment* Lump sum payment Lump sum payment Lump sum payment Lump sum payment Lump sum payment
ADDED VALUE SERVICES — Tick Denotes which added Value Service is included with the product
Aviva DigiCare+ Workplace            
RedArc Personal Nurse Service            
Employee Assistance Programme (EAP)            
Bereavement and legal helpline            
Stress helpline            
Workplace wellbeing support            
Rehabilitation services            
Cancer Work Support Service            
Gym membership discount            

*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:

0800 145 5684

Monday to Friday: 9:00 to 17:00

Telephone calls may be recorded and/or monitored. Calls to 0800 numbers from the UK landlines and mobiles are free.

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