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  Aviva Flex-pertise

Please note the following information refers to group Protection policies bought after September 2015.
Aviva Flex-pertise is a comprehensive range of Group Protection products which can be incorporated into a flexible benefit package and includes: 

• Group Critical Illness
• Group Income Protection
• Group Life 
• Spouse/Partner Life cover 

At Aviva Group Protection we have dedicated scheme administrators who specialise solely in flex. We provide cover for policies of 250 lives upwards.

Flex-pertise features

The chart below gives an example of the possible options under Aviva Flex-pertise.



Flex options

Maximum benefit

Group Life

Minimum one times salary

Multiples of salary

15 times salary

Spouse/Partner Life cover

No core cover required

Units of £10,000 or £25,000


Critical Illness

No core cover required

Units of £10,000 or £25,000

£500,000 or five times salary if less

Group Income Protection

Minimum of 35% of salary required

50%, 66%, 75% of salary

Cover term can be extended to 3, 4 or 5 years, or policy cease age

£425,000 per annum

Flex-pertise service

At Aviva we believe that flex policies should only be looked after by specialists in this field. That’s why we have an administration team that only deals with flex policies.

Getting to know you and your clients is important to us. That’s why we align a dedicated account manager, senior scheme underwriter and flex administrator for your client’s policy.

Our flexible benefits service standards are set and reviewed based on intermediary feedback.

These standards are monitored through a wealth of management information which is automatically generated by our systems.

How Flex-pertise helps employers

Aviva Flex-pertise is a comprehensive range of Group Protection products which can be incorporated into a flexible benefit package.

There are several reasons why employers choose to provide a flex policy to their workforce:

  • Allows employees to choose the mix of benefits most appropriate to their individual needs; helps businesses build loyalty and improve retention.
  • It helps to make employees aware of the value of the benefits that are being provided for them and therefore how much they are appreciated.
  • Allows employers to effectively manage their budget requirements or to reflect the company culture. Or they may also want to differentiate their offering from their competitors.
Whatever your client's reason for choosing Aviva Flex-pertise, it offers you the opportunity to engage in a wider consultation and offer a wider range of products and services.

How Flex-pertise helps members

Aviva Flex-pertise offers members the opportunity to enjoy benefits on terms which they may not be able to obtain on the high street or on the internet.

Adapting with changing circumstances

Most importantly, Aviva Flex-pertise allows members to choose cover from a range of benefits that will best suit their personal needs, lifestyles, and budgets and that will be of real value. What’s more they can elect to include their spouse or partner for certain benefits.

Members can review their benefits annually, or at a recognised lifestyle event such as marriage or the birth of a child, and adapt them to suit any changes in their circumstances.

Tools to help you and your business

We’ve created some tools and information designed to help you answer any questions from your clients and to help you grow your business.

Flex-pertise brochure

Details of Flex-pertise and how it helps your clients.

Document Library

All our Group Protection documents.

Grow your business

Useful information on growing your business, such as how to use social media and marketing your company.

We're here to help

Our team is on hand to answer any of your questions. For help or queries, call us on:

 0800 145 5684

9.00am - 5.00pm, Monday - Friday

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

Contact us

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

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WA14038 08/2016