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Aviva Flex-pertise™

Aviva Flex-pertise: Reach out to the experts banner

Introduction to Aviva Flex-pertise

Put simply, Aviva Flex-pertise lets your clients offer a benefits package where employees can take control of their own benefits.

Your client first selects a basic package that’s true to their company values – then employees can include, increase or reduce cover to suit their lifestyle and budget.

Quote and apply

To apply for Aviva Flex-pertise, or if you have any questions, call us on:
 0800 145 5684
or speak to your Aviva Account Manager.

Lines are open Monday to Friday, 9am to 5pm. Calls to and from Aviva may be recorded.

Why Aviva Flex-pertise?

Aviva Flex-pertise is part of an award-winning Group Protection proposition, meaning your clients can offer more than a competitive salary. Instead they’ll be giving employees a valuable package that can make a real difference – while standing out from the crowd themselves.

Our flexible protection benefits fit around the needs of you, your clients and their employees. We have the skills, knowledge and expertise to help you assess your clients’ requirements and the issues their business faces - working together to build a solution that’s unique and relevant.

You can

  • get direct access to a specialist flex administration team
  • receive support from a dedicated account manager, scheme underwriter and sales support consultant when you need it.
  • benefit from a simple process throughout - from scheme implementation to building ongoing relationships and paying claims quickly.

Your clients can:

  • differentiate their benefits package from their competitors’, helping to recruit the best talent
  • develop a package that reflects their company culture
  • decide the level of cover they wish to offer as a core benefit, ring-fencing the amount they want to contribute
  • access valuable support services and training.

And their employees will be able to:

  • create a package that suits their needs and budget
  • add their spouse or partner to certain benefits
  • change their benefits each year, or at important times in their lives such as the birth of a child
  • benefit from children’s cover, included as standard with Group Critical Illness
  • access practical and emotional support services when they’re needed, all at no extra cost.

Aviva Flex-pertise can include:

  • Group Income Protection
  • Group Life cover
  • Spouse/Partner Life Assurance
  • Group Critical Illness (Children's Critical Illness automatically included, Spouse/Partner Critical Illness option)

Your clients can tailor Aviva Flex-pertise to meet their business’s needs as well as those of their employees and their families. Clients can get cover for schemes of 250 lives and more - or 100 lives for Group Life when they choose a core level of cover.

Benefit details Group Income Protection  Group Life Cover Spouse / Partner Life Assurance  Group Critical Illness
Minimum core benefit (selected and paid for by the employer) 35% of salary 1 x salary paid as a lump sum No core benefit required No core benefit required
Maximum benefit levels available 80% of salary (up to maximum benefit of £425,000) 15 x salary  £250,000 5 x salary (up to maximum benefit of £500,000)*
Step options for employees 80%, 75%, 66% or 50% of salary, plus option to include benefit payment term Increases of 2, 3 or 4 x salary

Steps of £10,000

or

£25,000

Steps of £10,000 or £25,000
Benefit type  Monthly benefit or lump sum payment**  Lump sum payment Lump sum payment  Lump sum payment 

*For Spouse/Partner Critical Illness, maximum benefit is the employee’s benefit level, to a maximum of £250,000. And for Children’s Critical Illness, it’s 25% of the value of the employee’s benefit, to a maximum of £20,000.

** Lump sum benefit payments on Group Income Protection are only covered as a core benefit and are paid at the end of a limited payment term if the employee continues to meet the definition of incapacity.

Added value services:

The table shows the extra benefits that are included with our Group Protection policies. They can offer practical and emotional support to employees and/or their loved ones.

Added value services  Group Income Protection Group Life cover Spouse / Partner Life Assurance  Group Critical Illness
Best Doctors© Second Medical Opinion - green tick
RedArc Personal Nurse Service - - green tick
Employee Assistance Programme (EAP) green tick - - -
Bereavement and legal helpline green tick green tick -
Stress helpline green tick green tick  green tick
Workplace wellbeing support  green tick - -
Rehabilitation Services green tick  - -
Cancer Work Support Service green tick - - -
Gym membership discount green tick  green tick  green tick  green tick 

All added value services, and customer discounts included under our cover, are non-contractual benefits and can be withdrawn by Aviva at any time, without notice.

For more information about the cover provided under Aviva Flex-pertise please refer to the policy terms.


Your guide to Aviva Flex-pertise

Our Aviva Flex-pertise guide contains full information on the benefits available.

Read our guide

View all our Aviva Flex-pertise literature

Aviva Flex-pertise brochure

Adviser Resource Hub

Whether you're looking to make your website work harder, promote your business locally, or network more effectively, the Adviser Resource Hub can help.

Created with Group Protection and Health advisers in mind, it's a free, easy to use resource, enabling you to master your own approach to marketing and help give your business an extra boost.

Visit the Adviser Resource Hub today and register for free.

We're here to help

For help or queries, call us on 0800 145 5684 or speak to your Aviva Account Manager.

If your query relates to an existing policy, please call 0800 051 3472.


Lines are open 9.00 am-5.00pm, Monday to Friday. Calls to and from Aviva may be recorded and/or monitored.

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WA14038 10/2019