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  Income Protection hub

Sunshine on a rainy day

Wake up your clients to the need for income protection


As a financial adviser, you know just how important income protection is, but sometimes it can be a difficult subject to tackle with clients.

However, changes in the way people live and work mean there’s now a massive opportunity in the income protection market, so making sure you’re equipped to tackle conversations with confidence is more important than ever.

We’ve drawn upon our experience and market insight to shine a light on renters, gig workers, the self-employed and divorcees; the people of the UK who could be most at risk if they’re unable to work due to illness or injury - and in need of your help. With our insight, tools and support, we’re here to help you fine-tune your approach and take full advantage of the opportunity.

So, turn off your phone, grab a coffee and see how you can wake your clients up to income protection.

Always evolving; our latest improvements


We’re always looking for ways to better serve your clients. Here you can learn more about the latest enhancements we’ve introduced to our income protection proposition.

Income protection for NHS doctors, surgeons, nurses and midwives

Those working in the NHS encounter people on a daily basis who are ill or injured and often unable to work. They understand the impact this can have on peoples’ lives and the value of protection. We’re pleased to share the latest changes we’ve introduced to this important benefit.

Find out more

Do you know who needs income protection – and why?


The world we live in has changed. Jobs for life are a thing of the past, work-related stress is on the rise and a substantial amount of people are getting divorced. So the way we approach protection needs to change too.

We've put together this visual guide to help you understand the scale of the issue and to explore an untapped market of clients – and how Aviva Income Protection provides flexible and competitive cover. Just hover over each descriptor to find out more about who needs protection more than ever and why.

A full list of sources used throughout the below infographic can be found here.

Income protection from Aviva


Our suite of income protection solutions are designed to meet different clients’ needs and budgets, all backed by a range of support services designed to help your client and their family when they need it most - and our online self-serve system means applying for a policy needn’t be a lengthy, complicated affair.

For more information on our income protection products, please visit our Income Protection+ and Living Costs Protection product pages.

Our income protection proposition

Please note; these products have no cash-in value at any time.

Physiotherapy is provided by IPRS Health, a national specialist provider of Musculoskeletal Physiotherapy and Rehabilitation services.

*Support Plus benefits and Physio benefit are non-contractual and can be withdrawn at any time.
**Global Treatment is provided in conjunction with both Best Doctors® (responsible for the second opinion service) and BDUI Underwriting International S.L.U. (responsible for medical and non-medical concierge services for treatment overseas).

Helping you reach the 90%


Mintel research* shows that only 1 in 10 adults has an income protection product. Customers may be relying on savings, family and the state to support them should they find themselves unable to work for an extended period of time.

All too often income protection can become the last point of discussion in a protection conversation, making it even harder to sell. So making sure you’re equipped to tackle conversations with confidence is more important than ever.

With our insight, tools and support, we’re here to help you fine-tune your approach, breaking down the common misconceptions clients tend to have around income protection so you can take full advantage of the opportunity.

*Mintel Income Protection UK February 2017

Making income protection easier to sell


Income protection needn’t be a complex product for your clients to buy, or for you to recommend. Our handy calculators can help make the process that little bit easier.

Lifejackets

Max benefit dual deferred calculator

Helping you calculate your client's maximum annual benefit when taking out Income Protection+ with Aviva.

Max benefit dual deferred calculator

Pink flower in vase

Income protection max benefit calculator

Work out the monthly benefit your clients can have on their income protection plan.

Income protection max benefit calculator

Real life income protection claims


Listening to our customers tell their stories is more powerful than numbers alone. Here are just some of their stories about making an income protection claim with Aviva that you can share with your clients.

Karen's story:

When Karen’s fiancé died suddenly in 2017, she found it difficult to cope. But an income protection policy she’d taken out years earlier helped her to carry on.

"When you’re self employed you soon realise you won’t get paid for your holidays or if you’re off sick. And I started to wonder: what would happen if I was unable to work? How would I maintain the lifestyle I had?”...

Then in 2017, a year before she was due to get married, tragedy struck. Karen’s partner passed away suddenly, aged just 57...

At first, Karen says she didn’t even think about claiming on her insurance because she assumed it was for physical injuries or illnesses, not for mental wellbeing. But then she spoke to Aviva and found out she could claim.

Adam's story:

When former ambulance worker Adam Hyde was hit by a sudden mental health crisis, an income protection policy helped him on the road to recovery.

For several years, Adam, a 44-year-old father of two, worked in the ambulance service, helping people get the treatment they needed when they were at their most vulnerable. Then, after he left the health service to pursue a new career in sales, Adam decided to take out an income protection policy with Aviva...

“I have two young children,” he says.“And it was with them in mind that I took out the policy. Otherwise, if something happened, where would the money come from to look after the family?”

“I didn't expect that it would pay out or provide benefits for a mental health condition.”

Jason's story:

Since being diagnosed with Hodgkin’s lymphoma back in 2010, having income protection in place has made a huge difference to Jason and his young family.

In 2010, the same week his second son was born, Jason was diagnosed with Hodgkin’s lymphoma – a relatively rare, yet usually treatable form of cancer. “A rollercoaster of emotions,” is how he describes his feelings at the time...

“I hadn’t expected was just how debilitating the treatment would be. It really knocks you – so working was just completely out of the question”...

“Aviva kept in touch with me over the seven years that I was unwell and provided me not just with claims payments but support in getting back to work. I was pleasantly surprised by how supportive the whole process was. I genuinely felt like their main concern was my wellbeing.”

Protection planning

Our protection articles can help support your financial planning process and offer the opportunity to earn CPD hours.

Claims information

If your client needs to make a claim, you can feel confident that we'll get things right for them at a difficult time.

Underwriting centre

Developed and tested with advisers, a one stop shop for everything you need to know about our underwriting.

Tools & calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Contact us

You can find contact details for each product area in the drop-down list:

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WA02257 06/2018