All together simpler. Aviva Group Protection Online. Helping you to protect your clients and their business
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1 For adviser use only. Not for use with customers. All together simpler Aviva Group Protection Online Helping you to protect your clients and their business
2 Welcome to Aviva Group Protection Online Aviva Group Protection Online (AGPOL) is an internet based quote service for schemes of lives, which allows you to create and amend a Group Protection quotation and place the policy on risk. The benefits of the service include: Ability to create and amend Group Protection quotes 24/7 in around 20 minutes Load data once and use it across all three proposition areas Online pricing can be cheaper than offline due to lower insurer expenses Three year rate guarantees for all Group Protection products Enhanced s Immediate on risk online Commission levels up to 30% for up to 100 lives 2
3 A simple five step process Step 1 Provide general policy details such as name of policy, postcode, nature of business and product type. Step 2 Add further details such as whether the policy is new or existing or whether any members are medically underwritten. Welcome Five step process Step 3 Select up to four categories of benefit and select your commission rate between 0% and 30%. Product range Step 5 Step 4 AGPOL generates a summary of the quotation and policy details and gives you the opportunity to requote on a different basis or for a different product. Provide the policy data. Dedicated team Sign up 3
4 A range of products to cover a range of circumstances Group Income Protection Online Lives Cease age up to age 70, or 3-19 lives 65, lives 75, lives 90, lives 110, lives 150,000 State pension age, up to a maximum of 68 Limited payment terms of 2, 3, 4 or 5 years Choice of fixed benefit offsets that allow you to mirror historic State Benefit amounts Whitewashing we will ignore premium loadings of up to 100% and restrictions for non-provision only. Whitewashing for declines or postponements are not included. Added value services 24/7 Employee Assistance Programme (EAP) provided by Care first. Up to eight face to face sessions if counselling is recommended EAP in your pocket app and Stress Free Island Get Active gym discount Added value services do not form part of Aviva Group Protection s claims process and are not part of the insurance policy. They are non-contractual benefits which can be withdrawn by Aviva at any time without notice. Enhanced s Deferred periods of 13, 26, 28 or 52 weeks Limited Price Indexation maximum of 2.5% and 5% Includes practical help and rehabilitation support to keep employees in work or get them back to work as quickly as possible 4
5 Group Critical Illness Online Lives 3+ lives 500,000 Option for Group Critical Illness extended cover including Total Permanent Disability on a suited occupation basis * Cease age up to age 70, or state pension age, up to a maximum of 68 Maximum benefit up to 5 x salary or 500,000 Child Critical illness cover - available up to a maximum of 20,000 per child, payable from birth. Covers congenital conditions and includes cover for five child-specific diseases Added value services Best Doctors second medical opinion RedArc Nurse Advisory Service Stress helpline Get Active gym discount Added value services do not form part of Aviva Group Protection s claims process and are not part of the insurance policy. They are non-contractual benefits which can be withdrawn by Aviva at any time without notice. * Suited occupation is defined as Total Permanent Disability unable to do a suited occupation ever again. Loss of physical or mental ability through an illness or injury to the extent that the member is unable to do the material and substantial duties of a suited occupation ever again. Material and substantial duties are those that are normally required for, and/or form a significant and integral part of, the performance of a suited occupation that cannot reasonably be omitted or modified. A suited occupation means any work the member could do for profit or pay, taking into account their employment history, knowledge, transferable skills, training, education and experience, and is irrespective of location and availability. 5
6 Group Life Online Lives 3 19 lives 600, lives 800, lives 900, lives 1,000, lives 1,100, lives 1,250,000 Added value services Bereavement and legal helpline Grief Encounter Stress helpline Get Active gym discount Added value services do not form part of Aviva Group Protection s claims process and are not part of the insurance policy. They are non-contractual benefits which can be withdrawn by Aviva at any time without notice. Cease age up to 75, or state pension age up to a maximum of 68 Salary multiples up to a max of 10 x salary Whitewashing we will ignore premium loadings of up to 200% and restrictions for non-provision only. Whitewashing for declines or postponements are not included. Enhanced s mean smaller schemes can benefit from higher levels of protection before providing medical information Master Trust We offer Master Trust arrangements on both Registered and Excepted Group Life Insurance Schemes. This 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), one of the market leaders in this field. 6
7 A dedicated SME team here to support you You can look forward to the expert help and support of our dedicated SME Team. Thanks to their thorough and up-to-date understanding of the needs and challenges of SMEs, they can work closely with you to support and grow your portfolio of clients. There for you whenever you need them, they ll ensure that you overcome the challenge faced by many advisers where there is a balance between the cost and value of acquiring and maintaining SME business. 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, visit aviva-for-advisers.co.uk Contact your Aviva Account Manager or call
8 Ready to sign up? We ve prepared some handy hints and tips to help you get the most out of the service. How do I register to use the service? Go to groupprotectiononline.co.uk and click on the register tab at the bottom of the screen. You will be asked to complete the online form and agree to our terms and conditions. We will then complete some internal checks (for example: to verify that you have an Aviva agency agreement). You will receive an with your temporary password so you can start using the service. You will have the opportunity to change your password to something more memorable. What if I forget my password? Simply click on the forgotten password link on the homepage. You will be asked to answer the security questions that you answered when you first logged on. You will then receive an with the details you need to enter the system. Please note that answers are case sensitive. Are there any types of business that cannot be quoted for on the system? policies with less than three lives or more than 100 lives existing policies insured with Aviva policies with members based outside the UK or who spend any of their time travelling as part of their job outside of Europe, Australasia, New Zealand, North America, China or Japan, Hong Kong, Singapore, Dubai, U.E.E, and Doha/Qatar, Brunei, Brazil and India (excluding Kashmir) policies where members have been previously declined or postponed policies closed to new entrants policies that include equity partners policies with a high proportion of manual occupations for Group Income Protection non-uk entities policies with more than four membership categories 8
9 Are there any restrictions on product type? There is a maximum of three products: Group Income Protection, Group Life and Group Critical Illness. Is there a minimum premium? The minimum premium is 50 a month, 150 quarterly or 600 annually. Premiums paid more frequently than annually must be paid by Direct Debit. What definitions of salary are available? basic annual salary basic annual salary plus fluctuating emoluments (averaged over previous three years) average of the last three years total remuneration (Group Life only) What age range can be covered? The minimum age is set at 16 with a choice of expiry ages 60, 65, 67, 68, 70 or state pension age to a maximum of 68, with an additional expiry age of 75 for Group Life Assurance. What if there isn t an exact match to the nature of business my client is in? Simply choose the next nearest category, or select Other. I have entered the client s postcode and get an error message Please check you have the correct postcode. If the postcode is new, our database may not recognise it. If this happens please call either your usual sales contact or our Group Protection Sales team on who will be able to help you. 9
10 I cannot find the occupation I am looking for If you enter any three characters from the occupation the system will provide an alphabetical list of all occupations containing those characters. If you can t find the exact name, please use the closest match. For example if you are looking for Senior Claims Manager please use Claims Manager. Can I quote for loaded members? Yes. Members with medical underwriting loadings up to 200% for Group Life Assurance and 100% for Group Income Protection can be quoted for. These loadings will be whitewashed up to the new free cover level. Can we complete the application form online? Unfortunately not, it needs to be printed, completed and returned to: Aviva PO Box 3620 Norwich NR7 7XS Once received we ll send you the policy documentation and inception accounts. What are the Whitewashing terms? All non-provision of medical evidence will be whitewashed up to s Group Life loadings up to 200% whitewashed to s Group Income Protection loadings up to 100% whitewashed to Free Cover limits Declines, exclusions and postponements will not be whitewashed. 10
11 Let us help you Get in touch with our Group Protection Sales Support Team on Contact your Aviva Account Manager or Group Protection Sales team are available Monday to Friday 9am-5pm Aviva Life & Pensions UK Limited. Registered in England No Registered office: Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number Calls to Aviva may be recorded. GR /2018 Aviva plc
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