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.
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.
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.
Expert business insight and analysis.
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 Overview summary: 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.
Health & Wellbeing / 8 Oct 2021
World Mental Health Day? Shouldn’t that be every day?
Debbie Bullock, Aviva’s wellbeing lead, looks at how we would all benefit from thinking of every day as a mental health day.
24 Sep 2021
Why protecting your business from climate change is essential
Extreme weather is putting British businesses at risk due to a lack of awareness and support according to our latest research, Building Future Communities.
Health & Wellbeing / 8 Sep 2021
Why we shouldn’t get too comfortable in our slippers
For hybrid working to really work, we shouldn’t forget what’s good about the workplace-based portion of that model... and what it can do for employee wellbeing.
Health & Wellbeing / 12 Aug 2021
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.
11 Aug 2021
How you can help create a Living Pension for your employees
Steve Jackson, Senior Proposition Manager at Aviva, talks about a Living Pension for all workers and how you can make a difference.
19 Jul 2021
Seven ways you can help your employees adjust to the relaxing of restrictions
Most of the restrictions we’ve all lived under for over a year are beginning to lift, but that’s something many people will find unsettling. It won’t be easy for many of us to simply return to life as we knew it.
16 Jul 2021
The emotional impact of opening up society – how it may affect your employees
Debbie Bullock, Aviva’s Wellbeing Lead, talks about why the end of restrictions may not mean the end of anxiety for some people.
16 Jul 2021
Financial wellbeing in the post-pandemic workplace
Workplace wellbeing packages are stronger with a financial wellbeing element. Here are some reminders about why it’s important.
7 Jul 2021
Is financial stress affecting your balance sheet?
Dale Critchley, Policy Manger for Workplace Savings & Retirement looks at how employee financial wellbeing benefits businesses and individuals.
24 Jun 2021
Working with your workers to make sure work works for them!
Aviva’s new report shows the vital role employers can play in improving employees financial and professional wellbeing post-Covid, says Iona Bain.
22 Jun 2021
Why wellbeing is like a three-legged stool
A well-rounded wellbeing programme must focus on three elements – physical, mental and financial wellbeing – if it’s to do the job properly.
15 Jun 2021
Thriving in the Age of Ambiguity
Last year we issued our first Age of Ambiguity report, looking at the blurring of lines between home and work life.
Pensions / 4 Jun 2021
Financial wellbeing in the age of COVID-19: how you can help
Employees’ financial wellbeing has always mattered. Now the pandemic has raised more questions than ever, what can employers do to help?
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.