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 Group Life

Group Life

How to quote and apply


If you are applying for a business with under 100 lives you can use our online system, Aviva Group Protection Online.

Find out more

For all other applications or for more information phone: 0800 145 5684
Group Life policies address a sensitive issue: the loss of life. We believe our Group Life cover offers a fast and efficient process for paying claims to loved ones.

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of features and benefits are listed in the Group Life Product Brochure. Non-standard terms may apply to your client’s policy.

Group Life cover helps your client not only provide financial support to beneficiaries but also demonstrate a caring attitude towards employees. It is seen as being a valued benefit that can help attract and retain staff in a business.

  • Group Life cover is a key component of a comprehensive Employee Benefits package
  • The benefits of Group Life cover are easy to explain to your clients
  • We have flexible benefit levels, which can be based on multiples of salary or fixed levels of cover
  • Our online claims process offers prompt claims payment, speeding up the service at what is no doubt a very difficult time.

Features of Group Life


We’ve provided Group Life cover for many years. We aim to make our underwriting as simple and efficient as possible; our claims process is completely geared to providing trustees or beneficiaries with the help they need at a time when they need our support most. 

The case for providing financial support to a family is obvious, and we understand that you’ll be dealing with an emotional subject. Here, we’ve explained the features of Group Life cover, how we approach underwriting, and the added value benefits that are included with every Group Life policy.

Features of Group Life cover

When an employee dies, Group Life cover provides some financial support to the trustees or direct to the beneficiaries. Through our added value benefits our policies also offer practical help to the employee's dependants, through services such as our Bereavement helpline. You can copy and paste the points below to use in client presentations or letters.

  • Tax efficient premiums.Under current UK tax laws, premiums are usually treated as an allowable business expense.
  • Prompt payment.Eligible claims are paid as quickly as possible, and generally fall outside of probate, which means that beneficiaries have some financial support when they need it most.
  • Tax-free payment. Under current tax legislation, the fixed sum or multiple of the employee’s salary can be paid tax-free in the event of a death, up to their Lifetime Allowance.
  • Flexible cover. Different levels of cover can be chosen with our policy, grouping employees if preferred. Each scheme includes a free cover limit that we usually apply, under which medical underwriting isn’t usually necessary.
  • Once only underwriting. Above our free cover limit, once only medical underwriting takes place which means most employees will generally only be underwritten once (up to a total benefit limit of £5m).
  • Dependant pension options. Our policy offers the option to provide a pension for the deceased’s spouse/civil partner, dependants and/or children.
  • Support and counselling. Trained bereavement counsellors are on hand to help not only beneficiaries but other employees who may have been affected by a loss of life.
  • Spouse and partner cover. Employees can protect their spouse or partner through Aviva's Group Life policy.

Information about tax is based on our understanding of current legislation. The law relating to tax may change in the future.

Our approach to underwriting Group Life cover

We realise the importance of helping your clients reduce administration where possible, so this is how we medically underwrite the scheme:

  • For all schemes we offer a free cover limit. This is the amount of cover we will provide without the need for individual medical underwriting. Medical underwriting above this limit is usually carried out on a once only basis which means further increases in benefit will not usually be underwritten.
  • Our staff will capture all the essential information in a tele-interview (see below). This means that employees usually don’t have to complete any complicated forms – and we could help to reduce cases of non-disclosure due to our experience of asking the right questions in the right way.
  • If an employee would rather not have a tele-interview, we can use a medical declaration form to capture exactly the same information about their work, health, lifestyle and medical history.
  • We offer cover from day one of the policy, by providing up to 90 days temporary cover to a maximum benefit of £1m during the underwriting process, excluding any pre-existing conditions.

The tele-interview – a simple process

A tele-interview (TIV) is a telephone conversation, in which essential medical information is captured. Our tele-interviewers have the skills and are aware of medical details that can help them interpret the conversation and record the details. This helps us gather details about employee’s health and medical history that provide faster underwriting decisions, and potentially help reduce incidences of non-disclosure.

TIV is a straightforward process

We’ll call your client’s employees and ask them about their work, health, lifestyle and medical history. All information is treated in the strictest confidence. The information is only used for their application: it’s not shared for any other purpose. Afterwards, we’ll issue a copy of the report from the tele-interview, which they'll be asked to check thoroughly. If they need to make amendments, we ask them to do this in writing.

We collect the information that's necessary

In many cases, our underwriters can make a decision based on the report from the tele-interview. Sometimes we need to ask for more information from their doctor or other medical professionals. Occasionally, we’ll ask an employee to attend a short medical examination with an independent clinician.

We underwrite ‘only once’, if possible

In most cases, medical underwriting takes place just once for members who have benefits above the free cover limit, to a maximum of £5m total benefit. If the total benefit is above £5m, further medical underwriting will be required.

Added value benefits included as standard

No one wants to receive a benefit from Group Life cover, because it deals with death – but the loss of someone who supported their family financially is all the more devastating. Group Life cover provides some financial support, but thanks to the added value benefits we provide, it can also make a practical difference to loved ones and help them cope with the unexpected loss. Group Life cover from Aviva can also offer support to employees suffering bereavement themselves.

Bereavement helpline

We provide emotional support from trained bereavement counsellors, and practical advice on issues such as coping with funeral arrangements and arranging probate. This helpline can be used by all employees at your client’s company and also by any family members of the deceased member.

If you’ve had clients who have needed to claim on a life policy, we think you’ll understand the reassurance that some financial support can bring to beneficiaries – and the reason it’s one of the primary benefits of having a Group Life policy in place. Policies arranged under a discretionary trust will provide funds outside the deceased’s estate for inheritance tax purposes.

All of these services are confidential and the service providers will not share with us any personal information which is provided to them. The services are non-contractual benefits that can be withdrawn at any time by Aviva without notice.

Renewing cover

In most cases, policies will be set up on a two year basis - where we will review the rate and terms every two years. We will send you a notification six weeks before the anniversary date. At this time, it’s a good idea to re-engage with your clients and ask, “Do you have the right levels of cover?”; “Have you needed to use the services?”; “How has your business changed – have you expanded (more members), or would you benefit from reducing costs?”

Which documents should you use?


Our documents help clients understand what our policies are designed to do. They can also help you introduce the benefits of this product to your client.

Group Life literature describes the cover and the options in full. It’s important that you get to know these documents well, as this will help you conduct a compliant sale.

These documents explain how the product works

These documents help you make applications

You’ll find a full range of Group Life literature in our searchable document library. Other items that may be useful include:

We can help you sell Group Life cover

Explaining the key points of our Group Life cover is a simple way to communicate the benefits and the value of your clients putting this cover in place for their employees.

  • Our online claims process helps reduce the need for paperwork at a difficult time. With such a streamlined process, we’re also proud of being able to make prompt payments to trustees or beneficiaries – often in as little as two days, which means that money is available without waiting for probate.
  • Under current UK tax laws, premiums are usually treated as an allowable business expense although this may change in the future.
  • For a registered scheme, lump sums payable are normally tax-free up to the members Lifetime Allowance (LTA). All combined registered pension benefits above the Lifetime Allowance are subject to an LTA charge.
  • For excepted schemes, lump sums are usually tax-free and do not count towards a member’s LTA but must meet certain conditions.
  • Our Group Life cover lump sum benefits, whether registered or excepted, are written under a discretionary trust: which means that under current legislation they are not subject to any income tax and/or inheritance tax.
  • Your clients can choose different levels of cover, grouping their employees by benefits to reflect multiples of salary or lump sum limits.
  • Trained bereavement counsellors will offer advice and support on practical and emotional issues, not only to beneficiaries, but also to colleagues who have been affected by a loss of life.
  • Our free cover limit means that usually members do not need to complete medical underwriting for this type of policy.
  • Cover can be extended to include pension benefits to members’ spouse/civil partners, dependants and/or children.
  • Employees who are based overseas can be covered by our Group Life policy providing their contract of employment is with the UK company.

Issues that could affect your clients' decisions

We stay abreast of industry issues, so that we can help you be prepared for conversations with your clients about factors that could affect a decision to buy a policy. In the case of Group Life policies, these facts can help you talk about these considerations:

Changes in the law regarding the Lifetime Allowance (LTA)

Beneficiaries of a small number of employees with high levels of cover may find that benefits are subject to an LTA charge primarily as a result of the LTA being reduced over the last few years. With people working longer potentially, they could accrue more funds and pay more into their pensions – so their lump sum life assurance benefit could trigger a tax charge of up to 55% for the employee’s estate on the amount above their LTA.

HMRC currently states that, to be affected, an individual needs to have saved more than £1 million in money purchase pension schemes, or, be a member of a final salary scheme who is entitled to a pension of either £50,000 pa, or, if a scheme pays out the maximum tax free cash sum, a pension of around £37,500 pa. Please note, tax rules may change in the future.

Many individuals take precautions to protect their estate in these cases – however, it is important to consider how your clients structure any Group Life assurance benefits.

How are we helping?

We can help you and your clients deal with these circumstances. If your clients already have a registered and excepted policy in place, then their combined benefits remain covered.

Information about tax is based on our understanding of current legislation. The law relating to tax may change in the future.

Auto-enrolment – an opportunity to address benefits

We're encouraging advisers to see the auto-enrolment changes as an ideal opportunity for reviewing benefits in place. We can help you set up a policy that includes life cover in a pension arrangement for your clients. This is an ideal way to secure some peace of mind financially, whatever the future holds for your clients’ employees.

What’s needed to set up a Group Life policy?

Before filling in the forms, your client will have to decide whether or not there will be age requirements associated with the scheme – such as a fixed probationary period. However, every employer must comply with the Equality Act 2010. They should therefore think about:

  • The levels of benefits they’d like to offer to employees
  • The termination age for the policy
  • The eligibility criteria and the category of employees that are to be covered.

We're here to help you

Some clients will be uncomfortable discussing plans to cope with deaths in their workforce. However, these are risks that companies could benefit from considering; particularly those that are employing specialist or high-paid senior personnel. We’re here to help you explain the benefits of our Group Life policy, and answer any questions you – or they – may have about all the products in our Group Protection portfolio, and how they can work together.

Call the Group Life sales support team: 0800 145 5684
Monday to Friday, 9.00am - 5.00pm*

For policy quotes, please email:

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

We can help you submit an application, deal with any queries, and give you information that will help your clients proceed with confidence as they buy a Group Life policy.

What makes our policy different?


Many years of experience have helped us create an online claims process that helps trustees, beneficiaries, and employers deal with death practically, as well as financially.

No one wants to receive a payment from a Group Life policy, but the loss of someone who supported their family financially can be all the more devastating when a policy is not in place.

Why choose Aviva’s Group Life policy?

  • We are always looking to improve our Group Life claims process. When there’s a need to make a claim, the trustees will find that our online claims process means little time is spent filling in paperwork. We’ll pay eligible benefits as promptly as possible, and in the majority of cases we won’t need the original death certificate.
  • It’s a policy that’s backed by clinical expertise. In addition to financial support, we offer guidance and bereavement counselling.
  • Our Group Life policy is easy to set-up. We’ll work with you and your clients to reduce administration wherever possible, especially during the underwriting process.
  • We deliver the service your clients expect and know how important it is to be sensitive at a difficult time. We treat everyone involved with respect and listen to their needs throughout the claims process.
  • As members of the Group Risk Development (GRiD) steering group, we are committed to staying abreast of any industry issues affecting the Group Risk market and its products.

Group Life cover claims – what happens next?


Because we don’t need to see the death certificate in most cases, our service means that people can concentrate on other matters, such as funeral arrangements. We also provide support, and offer guidance and advice to colleagues and beneficiaries, from trained counsellors if appropriate.

Aviva’s online Group Life cover claims process

There are a few simple steps to follow, using our online Group Life cover claims process, when the trustees need to submit a claim.

  • Go online to www.aviva.co.uk/grouplifeclaim
  • Complete personal details and details of the policy, including the scheme name and number.
  • Give us the member's personal details and the date, location and cause of death. We use this information to check the government's Death Register, which gives us the verification of death needed to process a claim.
  • Enter the member’s employment details, including the length of time in service and salary.
  • List the dependant's details, the amount of pension payable (if applicable) and to whom this should be paid (we also ask for payment details of the named beneficiary).
  • Input account details that will help us direct the payment to the beneficiary.
  • We will issue a summary to the claimant, which needs to be checked and amended if necessary.

If there are any questions, or your client wants to change any of the details submitted, they can contact our Claims team on 01603 680715 quoting their Client Reference Number.

Other ways to submit a Group Life claim

If, for any reason, the trustees for your client would like to submit a paper claim, we’ll ask to see:

  • The member's original death certificate, if we are unable to verify the death electronically
  • The member's marriage or civil partnership certificate and any relevant birth certificates for dependants who are to receive pension benefits.
  • A claim form completed and signed by the trustees or an authorised person.

It's important to note that we won't pay claims or requests for additional amounts of benefit that are submitted more than two years after a member's death.

Online authorisation

If the trustees would like to provide authorisation for themselves or someone else to submit online claims on their behalf, without the need for what’s known as a ‘wet’ signature – be it a representative from the business or yourself as their intermediary – they need to complete our Online Claims Authorisation Form.

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.

Group Life brochure

Details of Group Life 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.

Master Trust


We offer Master Trust arrangements for the Registered and Excepted Group Life policies.

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 Group Life policies which means it can be a more cost effective solution. This offering 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).

The benefits of the Master Trust arrangements are:

  • Simplicity of 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 Pension Scheme Tax Reference (PSTR) number from HMRC for a registered scheme.
  • Ease of access to our 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 to join the Master Trust.
  • Holistic proposition that provides cover for both Registered and Excepted Group Life policies.
  • Ongoing independent trustee governance for transparent management, provided by PTL

Literature available

New literature for the Aviva Master Trust arrangements, as well as the trust rules is now available in the document library

For more information about the Master Trust arrangements and any questions you may have about our Group Life policies, please call us on 0800 145 5684.

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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WA14037 09/2016