Aviva Flex-pertise™

Giving your employees more control

Please enable your browser JavaScript to view the video

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

Including Group Protection options as part of your benefits package allows employees to make the right protection decisions for themselves and their loved ones.

And, an attractive benefits package can give a workforce even more reason to stick around, helping businesses retain and attract talent.

We all need different levels of protection, at different times in our lives.

Group Protection flexible benefit options gives employees choice, to select benefits that best suit their situation, lifestyle and budget.

And this choice and flexibility can help deliver options that work for all employees.

When it comes to flex, Aviva Flex-pertise™ is the UK market leader for Group Protection flexible benefits.

Our cover provides more than just financial protection, with added value benefits offering emotional and practical support for employees and employers alike.

We’ve been involved in the flex market for more than 25 years, working with some of the UK’s largest employers.

We recognise how flex programmes have the potential to add value to different types of businesses, so we invest a great deal of time at the implementation stage, to understand what each employer needs.

Aviva Flex-pertise™ gives access to a team of specialists to provide support every step of the way, making sure employers have what they need, when they need it.

And our simple processes make things easy for everyone.

Our solutions and expertise in the flex market demonstrate why you can trust Aviva to add value and support any business.

To find out more contact your financial adviser or your Aviva Account Manager.

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.

Useful documents

Your Guide to Aviva Flex-pertise™ (for employers) PDF (2 MB)

Aviva Flex-pertise™ Group Income Protection options (for employers) PDF (96 KB)

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

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.

Business support / 5 Mar 2021

March 2021 Budget

What’s the impact on employee benefits?

Sustainability / 2 Mar 2021

Pension power: our best weapon against climate change?

Shane O’Brien shows how we can all do our bit to help turn villains into heroes on climate change.

Pensions / 23 Feb 2021

What’s driving the move to master trust?

Read our latest insight.

Sustainability / 17 Feb 2021

Investing to improve the world we live in

Laura Stewart-Smith explains how providers and pension schemes can keep members aware and engaged with ESG investing.

Financial wellbeing / 5 Feb 2021

Has the way we approach our finances changed in the last year?

Dale Critchley looks at how recent events have affected our approach to finances.

Pensions / 25 Jan 2021

The case for a Living Pension

Steve Jackson, Senior Proposition Manager at Aviva, looks at how a Living Pension standard could make a big difference.

Health & Wellbeing / 14 Jan 2021

5 ways alcohol awareness can be part of your wellbeing strategy

Don Shenker, founder of the Alcohol Health Network, explains why alcohol awareness should be part of a wider wellbeing strategy.

Health & Wellbeing / 14 Jan 2021

Looking after your back in lockdown and beyond

With many of us still working from home, possibly since the start of the first lockdown in March, there are some simple steps you can take to minimise your risk of developing back pain and neck pain.

Pensions / 6 Jan 2021

Taking your employees from work to retirement with an Aviva workplace pension

How does your workforce turn their pension pot into money in their pocket?

Pensions / 6 Jan 2021

How to make your workplace benefits package work for all employees

It’s often one of the things people consider when they’re looking at potential employers.

Sustainability / 16 Dec 2020

ESG and ethical investing: what’s in a name?

In recent years, ESG and ethical investing have moved from niche strategies to a mainstream part of investing.

Health & Wellbeing / 15 Dec 2020

Talking statistics, job satisfaction and wellbeing

Watch our ‘Embracing the Age of Ambiguity’ video with Dr Suba M and Prof Sir Cary Cooper

Health & Wellbeing / 10 Dec 2020

Soldiering on through illness: does it do anyone any good?

Sophie Money, Group Protection Wellbeing Manager at Aviva, talks about presenteeism and how to recognise and address the problem in your workforce.

Health & Wellbeing / 10 Dec 2020

Working life and wellbeing in the age of ambiguity

We’re living in an age of ambiguity that is impacting both society and workplaces across the UK.

Health & Wellbeing / 7 Dec 2020

How preventing burnout starts in the workplace

Dr Subashini M, Associate Medical Director, Aviva UK Health & Protection, sheds light on the issue of burnout and why you should try to counteract it in your workplace.

Pensions / 3 Dec 2020

How does ambiguity affect how we feel about retirement?

Dale Critchley looks at how ambiguity and changing attitudes can affect retirement plans for employees of all ages.

Looking for something else?

We offer a range of flexible insurance options to support your employees' and business needs.

Group Life

Our cover will help look after your employee's family financially and emotionally if the worst happens.

Discover Group Life

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.

Discover Group Income Protection

Group Critical Illness

We'll pay your employees a tax-free lump sum if they're diagnosed with a critical illness, or undergo surgery, covered by the policy.

Discover Group Critical Illness