As a smaller business you are no doubt aware of the impact staff absence can have on your bottom line.
There’s the cost of covering the salary of sick or absent workers, finding and paying for temporary cover if absence is long term, reduced productivity and the added pressure it can put on your employees, their families and sometimes their colleagues.
This is where Aviva Group Protection could help, with solutions designed to financially protect your workforce in the event of long-term illness, injury or death.
And our Group Protection solutions provide much more than purely financial benefits.
Whether your business is starting up, scaling up, or already well established, recruiting and retaining the right people can be challenging. Offering Group Protection cover is one way your business can offer an enhanced employee benefits package and show you care and value your employees.
Depending on the protection products you take out, a variety of wellbeing services are available to help employees manage their mental, physical, and emotional health. These include access to counselling for stress or bereavement, an annual health check and discounts for health and fitness clubs.
These services can offer valuable support for your employees, and in some cases their families, when they really need it. Some services are available to employees whether they are insured on the policy or not, such as the Wellbeing Library, the Aviva Line Manager Toolkit: Mental Health and our quarterly mental health webinars, exclusively for schemes with 3-250 lives.
And, for members of a Group Income Protection policy, early intervention and rehabilitation support aims to help insured employees return to work quicker if they suffer from a long-term illness or injury.
And if you haven’t yet grown to three employees, Aviva’s Individual Protection solutions can help.
It takes Aviva Group Protection to take care of your employees and your business.
For more information visit aviva.co.uk or contact your Financial Adviser.
Group Protection solutions explained
Group Protection products provide financial support to your employees in difficult times.
Aviva’s Group Protection is designed to help businesses of all shapes and sizes, from the very large to the very small. Our comprehensive range of cover includes financial support, alongside a range of wellbeing services designed to support your employees practically, emotionally and physically when times are tough.
For a simple breakdown of our Group Protection products and wellbeing services, download our Simple Guide to Group Protection (PDF 14MB).
Why might you need Group Protection?
Our protection goes beyond offering employees financial peace of mind. You’ll find that providing your workforce with a great range of benefits – which go above and beyond a salary – can make you more competitive when it comes to recruiting and retaining staff.
The biggest companies can usually draw on the necessary resources to cope when employees need to take time off from work. But absences can really hurt smaller businesses. If you’re in this position, worrying about absence can cause sleepless nights. We’ve also seen a rise in the need for wellbeing support in the workplace which smaller businesses are less likely to have resources available to fulfil. In fact, our research found 39% of SME employees value workplace wellbeing support.Footnote 1
Group Protection benefits for SMEs
- Improve workplace wellbeing
Our added value benefits aim to improve the overall wellbeing of your staff, creating a happier, healthier workforce.
- Payment options to suit your business
You can choose to pay your premium annually, quarterly or monthly at no extra cost.
- Greater choice and flexible cover
Cover your employees if they become ill, suffer an injury, or die with our range of protection options – Group Life cover, Group Income Protection and Group Critical Illness.
- Wellbeing services included
Each cover includes a range of wellbeing services to help support your employees emotionally and physically when they need it most.
- Attract and retain staff
Stand out from the competition and offer a truly valuable benefits package that shows you care.
- Limited underwriting
In most cases, we’ll only need to medically underwrite policy members once, letting you get back to business, while we take care of the rest of the process.
- Work with teams that understand your needs
Our expert staff understand the needs of SMEs so you can be sure you, your employees, and your financial adviser are in safe hands.
- Hassle-free Master Trust arrangements
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.
Aviva Community Fund
We’re committed to supporting organisations doing great work to build stronger, more resilient communities across the UK. We’ve provided thousands of causes with funding, skills, and resources.
The products we offer
Financial support to those left behind if an employee dies in service, alongside bereavement support. Group Life cover looks after the employee's life as well, offering access to a range of everyday health and wellbeing services and legal support. Plus, the option to cover your whole workforce with our Master Trust arrangement.
Group Income Protection
Pays your employees a regular monthly income if they’re absent from work due to an illness or injury, and their salary decreases. The early intervention and wide range of workplace wellbeing solutions available aims to help you reduce long term sickness absence, so your employees can recover and return to work.
Group Critical Illness
Financial support for your employees when they need it most. They’ll receive a tax-free lump sum if they’re diagnosed with a critical illness or undergo an operation that’s defined in the policy. We also automatically cover your employees’ children.
Our Wellbeing Services
|Wellbeing service||Group Life||Group Income Protection||Critical Illness Cover|
Aviva DigiCare+ Workplace app including:
- Digital GP
|Employee Assistance Programme (EAP)|
|Thrive Mental Wellbeing|
|Get Active discounts and savings|
|Early intervention and rehabilitation|
|RedArc Personal Nurse|
|Wellbeing webinars exclusively for clients with 3-250 lives|
|Aviva Line Manager Toolkit: Mental Health|
|Employee mental health guidance|
|Red Apple Law legal services|
The main reason for taking out Group Protection is financial protection. Employers should not take out cover for wellbeing services alone. All of these wellbeing services are non-contractual benefits and Aviva can change or withdraw them at any time. This does not apply to Grief Encounter, which is a charity anyone can access. Terms may apply to wellbeing services. For Red Apple Law services residency restrictions apply, for full details please visit https://www.aviva.co.uk/business/health-protection-wellbeing/group-protection/gp-wellbeing-services/gl-wellbeing-services/ For all other services, residency restrictions may apply.
Frequently asked questions
Why might Group Protection be helpful for my business?
What services are available to my employees every day?
How do my employees access their benefits?
How much does it cost?
My company provides Private Medical Insurance, how does Group Protection differ?
How do I purchase a Group Protection product?
How to apply
If you would like to take out an Aviva Group Protection product for between 3-250 lives, please speak to your financial adviser.
If you don't have a financial adviser, you can find one at www.unbiased.co.uk
An adviser may charge for their services.
Please note, we are currently unable to offer direct quotes for Group Protection products but if you have any other questions, we'll be happy to help.
Email us: GroupProtectionSalesSupport@aviva.com