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  Income Protection hub

IP Hub

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.

We've streamlined our benefit calculation

From 1st December 2019 we changed our benefit calculation from a three-tier to a two-tier calculation giving your clients the possibility to cover a higher portion of their income. 

• Our new calculation will be 65% of the first £60,000 of your customers’ gross earnings, plus 45% of any gross earnings above £60,000.

• Our maximum benefit will still be £20,000 per month (£240,000 per annum).

To make it easier to understand this change here is an example: If your client earns £40,000 gross per annum, our previous benefit calculation meant that we could offer a maximum benefit of £1,916 per month. Our new calculation increases this to a maximum benefit of £2,166 per month – £250 per month more!

Both of our calculators "Income protection maximum benefit calculator" and "Maximum benefit dual deferred calculator"- have been updated for the new calculation and can be found in the "Tools & calculators" tab.

Helping you reach the 93%


Mintel research* shows that only 7% of adults have 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.

Income protection can easily 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 then ever.

With our insight, tools and supports, we're here to help you find-tune your approach and take full advantage of introducing Income Protection+ to your clients.

Find out more on the special errangements for NHS doctors, surgeons and midwives in our special guide or if you want to explore our "Protection occupation guide" and how your clients can benefit from Income Protection+ click here.

*Mintel Income Protection UK 2019

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.

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...

Karen's story in full


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 12/2019