How our Group Life cover can help
Our cover provides financial support to those left behind if an employee dies in service. We understand that loss affects people in different ways, so we also offer bereavement support for the family and help for you and your employees too.
Why choose us?
We're here to support you and your employees when you need us.

Flexible cover
Our Group Life cover offers a great deal of flexibility and you can choose different levels of benefits for different types of employee; such as directors, managers and staff. Or you can offer the same level of benefits to all. You can also offer Group Life alongside our other Group Protection policies to build a benefits package that really stands out.
Simple claims at difficult times
In 2018, we paid over £206m in Group Life claims. We've made the process as simple as we can for such a difficult time. From completing our online claims form to paying loved ones, we'll sort things quickly and efficiently.

What our Group Life offers
If one of your employees dies in service, our cover gives support to the family left behind. We'll also be there to help you and your employees at a difficult time.
For your business
- Manage your finances
Under current UK tax laws, your premiums normally qualify as an allowable business expense. - Offer your staff a great package
Stand out from competitors by including life insurance with your employee benefits package. - Help provide for affected families
Give your employees a helping hand in leaving money behind for their families. - Free cover limit
We'll cover the majority of your employees, up to a certain level of benefit, without needing to see their medical information. - Once only underwriting
Employees who require cover above the free cover limit will only be medically underwritten once, up to a benefit of £5m.
For your employees
- Ongoing emotional support
We'll give affected family members and other colleagues access to bereavement counselling by qualified professionals. - Financial support for the family
If an employee dies in service, we'll pay a lump-sum to the trustees, or a nominated beneficiary, to use as they wish. - No additional tax
The lump-sum payment doesn't usually form part of a member's estate, so should be free of inheritance tax, and the premium isn't classed as a 'benefit in kind' meaning they won't need to pay additional taxes. - Dependant pension option
We'll provide a pension for the deceased's spouse, partner, dependants or children. - Partner cover option
Employees can choose to protect their partner through a separate Group Life policy.

Master Trust
We offer Master Trust arrangements for both Registered and Excepted Group Life policies.
Should a Master Trust option be preferred, there will be no need for you to set up a standalone trust for your policy. We take care of this on your behalf at no additional cost, providing a simple and affordable solution for smaller employers who wish to save time and cost when setting up a scheme.
With Master Trust, we're able to cover all insured members under either the Registered or Excepted Master Trust schemes.
Added value services
Get more from our Group Life cover by giving your employees access to additional services.
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Stress counselling helpline provided by Care first
From time to time we all experience stressful situations, which can make us feel overwhelmed. A call to the Stress Helpline, provided by Care first, could help your employees to deal with whatever it is that's concerning them.
Counsellors are on hand 24 hours a day, and are able to support with any emotional issue, confidentially. There is no limit to the number of times you and you employees can access the helpline.
This is a non-contractual benefit for members aged 16 and over and can be withdrawn at any time, without notice.

Bereavement helpline
A team of trained bereavement counsellors offer support to those affected by the loss.
They can give practical advice on anything from coping with organising the funeral of a loved one, right down to probate. This helpline can be used by members of a Group Life scheme or by any family relations of a deceased member.
The bereavement helpline is a non-contractual benefit and can be withdrawn at any time, without notice.
How to apply
If you'd like to apply for Group Life cover, please speak to your financial adviser. Or, if you are looking to cover between 3-249 people, call us and we'll be happy to help.
Call us:
Monday to Friday: 9:00 to 17:00
Email us: gpdirectsales@aviva.com
For joint protection, calls may be monitored and/or recorded.
Making a claim
It’s quick and easy to make a Group Life claim – and there’s usually no need to send us the original death certificate. Simply complete the online claims form.
For Simple Group Life and Master Trust policyholders, please send an email to grouplifeclaims@aviva.com

Complete member details
Tell us the member's details, as well as the scheme name and policy number. We also need to know the date, location and cause of death.

Confirm the payee details
Let us know who the beneficiary is, as well as any dependant's details if there's a pension payable.

Review and submit to us
We'll send a confirmation email acknowledging receipt of the claim. And we'll be in touch if we need more information.
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