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Aviva Group Protection Online (AGPOL)

Simpler for SMEs

How to get a quote


AGPOL makes quoting for our Online Group Income Protection, Critical Illness and Life products quick and simple.

Designed for schemes of 3-100 members you can create and amend AGPOL quotes and place schemes on risk in around 20 minutes, any time day or night.

To access our Aviva Group Protection Online service, simply register or login below:

Get a quote online

A dedicated SME team here to support you


Get expert help and support from our dedicated SME team, thanks to their thorough and up-to-date understanding of the needs and challenges faced by SMEs. They’ll work closely with you to help you support and grow your portfolio of clients.

They can offer as much or as little support as you need, from taking you through the steps of selling Group Protection to producing AGPOL quotes and setting up Master Trust arrangements.

Contact our dedicated SME team today on 0800 404 5035 or speak to your Aviva Account Manager.

Calls to or from Aviva may be monitored and/or recorded.

Benefits of Aviva Group Protection Online


  • A simple process that allows you to get a quote in just five steps.
  • Create a new Group Protection Online quote from start to finish in around 20 minutes.
  • Policies put immediately on risk - online.
  • Load data once and use it across all three proposition areas
  • Online pricing can be cheaper than offline due to lower insurer expenses
  • Cost savings – by using online quotations your administration time can be reduced.
  • Three year rate guarantees for all our Group Protection Online products.
  • Enhanced Free Cover Limits for Online Group Income Protection and Online Group Life.
  • Commission levels up to 30% for up to 100 lives

Master Trust


We offer Master Trust arrangements for the Registered and Excepted Online Group Life policies on the AGPOLsystem

The Master Trust arrangements provide an affordable and simple process for employers to provide their employees with life insurance. This process requires less time and resource to set up and manage the Online Group Life policies which means it can be a more cost-effective solution to SMEs. It enables us to cover all insured members of an employer under either of the two trusts.

The Master Trust arrangements are governed by the main independent trustee, Pitmans Trustees Limited (PTL).


When obtaining a quote for Online Group Life products through AGPOL there are four different options to choose from:

  • Registered
  • Excepted
  • Registered with Aviva Master Trust
  • Excepted with Aviva Master Trust

Once you choose the product option, the rest of the online quote process remains unchanged.

For the two new options, which include the Aviva Master Trust arrangement, please ensure you read the following rules prior to completion of your application:


The benefits of the Master Trust arrangements are:

  • Simple to set up with single point of contact that minimises administration.
  • No need for an employer to complete a standalone trust.
  • Quicker on-risk process with no need to obtain a PSTR number from HMRC for a registered scheme.
  • Ease of access to our Online Group Life products and full support in implementing the scheme.
  • Effective solution to what could otherwise be a time-consuming and costly process.
  • No additional cost
  • Holistic proposition that provides cover for both Registered and Excepted Online Group Life policies.
  • Ongoing independent trustee governance for transparent management, provided by PTL.

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WA14039 09/2018