Group Life

We'll be there for loved ones should the worst happen

Call us to apply

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 2020, we paid out £238.4m 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 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.

Stress counselling

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 service is a non-contractual benefit, for members aged 16 and over, that Aviva can withdraw at any time.

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.

This service is a non-contractual benefit that Aviva can withdraw at any time.

How to apply

If you'd like to apply for Group Income Protection, please speak to your financial adviser. If you do not have a financial adviser you can find one by visiting

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 quotes for Group Income Protection cover.

If you have any other questions, we'll be happy to help.

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

Step 1

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.

Step 2

Confirm the payee details

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

Step 3

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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