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.
- 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|
|Workplace wellbeing support|
|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.
Expert business insight and analysis.
Health & Wellbeing / 19 May 2022
Why supporting menopause in the workplace is important
Deborah Garlick, Director at Henpicked: Menopause in the Workplace, explains why introducing menopause support at work makes sense for savvy organisations.
6 May 2022
4 ways SMEs can take the sting out of loneliness
As SMEs busily grow their hive, are they too busy to notice the workers who may stray from loneliness? They may be, but here are four ways to bring the colony together.
4 May 2022
Good medicine: what we can all learn from ‘social prescribing’
Social prescribing is a term that’s gradually becoming better known. It’s a way of describing the process of a GP or other NHS professional referring a patient to non-clinical services to help with their health and wellbeing.
26 Apr 2022
Partner up to tame down workplace stress and anxiety
Work may sometimes feel like a sabre-toothed tiger is chasing you. So, is it the employers’ or employees’ responsibility to tame the tiger? Partnering together is key.
Pension / 22 Apr 2022
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?
Pension / 21 Apr 2022
What’s driving the move to master trust?
What's the attraction?
6 Apr 2022
Seven ways to manage stress and anxiety
Life has the ability to put a spanner in the works at any time, so it’s normal that you and your employees could feel stressed from time to time.
6 Apr 2022
Tune in, drop out disengagement: 5 ways to connect on ESG pensions
If members could watch their pension as a TV show, would they change the channel or have their nose to the screen?
Health & Wellbeing / 22 Dec 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.
Sustainability / 20 Dec 2021
ESG and ethical investing: what’s in a name?
In recent years, ESG and ethical investing have become part of mainstream investing.
Good business / 24 Nov 2021
Mid-life MOTs… an employees’ tune-up for a better retirement
The journey to retirement is a long one, and plenty can change along the way.
Sustainability / 2 Nov 2021
Pension power: our best defence against climate change?
Shane O’Brien shows how we can all do our bit to help turn villains into heroes on climate change.
Sustainability / 29 Oct 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.
20 Oct 2021
Wellbeing and business risk: what can’t be left to chance
Debbie Bullock, Aviva’s Wellbeing Lead, on why wellbeing is a business risk that needs to be taken seriously.
15 Oct 2021
Menopause is a business issue: what can employers do to help?
Aviva UK Health Medical Director Dr Doug Wright discusses ways to support employees experiencing the menopause and help them stay in work.
13 Oct 2021
How the Retirement Living Standards can improve pension incomes
The Pension and Lifetime Savings Association (PLSA)’s Retirement Living Standards were recently updated. Discover how Aviva embeds the new figures in various initiatives.
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.