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  Income Protection hub

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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

Find out how our latest income protection options can benefit your clients. 

Renting or buying? Income protection fit for the future 

We work hard to make sure our income protection products are fit for the future for all our customers.  This month we’ve improved the built-in flexibility of our Life Change Benefit option to ensure that both tenants and those with mortgages can increase their benefit if their monthly rent or mortgage payments increase.

From 28 June, customers with full term Income Protection+, 2-year benefit Income Protection+ and Living Costs Protection can easily increase their cover, if they’re on standard terms, without the need for further underwriting, if:

• There is an increase in rental payments imposed by the landlord, or 

• There is an increase in rental payments due to a move to another rented property, or 

• There is a move from rented to mortgaged accommodation. 

These changes only apply to Income Protection+ and Living Costs Protection policies taken out from 28 June 2020. It’s worth remembering that the policy must have been on risk for 6 months before the Life Change Benefit option can be used.

Helping you bridge the income protection gap  


There are 23.5 million households1 in the UK and only 4% of UK adults have income protection in place2.  Even fewer tenants have income protection - of the UK’s 8.6 million rental households1 only 2% have cover in place2.

Whether your clients are renting or own their home, we have a range of flexible income protection options that are fit for the future.

Visit our Tenant Protection hub for insight and tools to target the tenant protection market. 

We continue to support our NHS medical staff with special Income Protection arrangements for doctors, surgeons, nurses and midwives. Click here to find out more.

1English Housing Survey 2018-19 Headline Report, ONS (Contains public sector information licensed under the Open Government Licence v3) 2FCA Financial Lives Survey 2017.

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 makes the application process easier and faster. 

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

Our IP 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 Further Underwriting International (responsible for medical and non-medical concierge services for treatment overseas).

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.


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

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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.

Amanda and John

Photograph for illustrative purpose only. Names of the customers have been changes to protect their privacy.

Amanda & John's story

Going through a difficult time when Amanda was diagnosed with bipolar disorder, John had to make the difficult decision to sell their family home to keep paying all the bills. Their decision to take out income protection years before made a life changing difference to the family, when the lump sum received from their claim helped them get back on the property ladder.

After feeling extremely anxious and physically unwell, in January 2016 Amanda had to give up work. Having been on the property ladder for almost 20 years, John and Amanda had to come to a very difficult decision - selling their home and moving into rented accommodation to keep up paying the bills.

Amanda & John's story

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.”

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 06/2020