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 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.
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.
Health & Wellbeing / 6 May 2021
Next week is Mental Health Awareness week
And so is the week after. And the week after that…
Discover our tips
4 May 2021
Why pension pots in a pandemic need extra care
Laura Stewart-Smith outlines how the pandemic has created issues for managing ‘homeless’ pension pots.
Learn more
Good business / 22 Apr 2021
Family-friendly business policy: 5 ways to make it work for you
Anthony Fitzpatrick, Employee Relations and Global Policy Lead, shows how family-friendly policies really can lead to a stronger workforce.
Read more
13 Apr 2021
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.
Learn more
22 Mar 2021
The ambiguous nature of retirement
Encouraging saving for an indeterminate retirement can be challenging, but not impossible.
Learn more
18 Mar 2021
Six ways employers can tackle burnout
Employee burnout is becoming a problem for many businesses. We look at what you can do to tackle it.
Follow our tips
Business support / 5 Mar 2021
March 2021 Budget
What’s the impact on employee benefits?
Read more
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.
Read more
Pensions / 23 Feb 2021
What’s driving the move to master trust?
Read our latest insight.
Read more
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.
Read more
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.
Read more
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.
Read more
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.
Read more
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.
Read more
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?
Read more
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.
Read more
Looking for something else?
We offer a range of flexible insurance options to support your employees' and business needs.