Group Income Protection

• Early Intervention & Claims Support

Proactive support makes a difference. We begin working with employees as early as four weeks into their absence to help facilitate a successful and timely return to work.

• Income Protection Cover Up to Age 68

With retirement ages rising, our cover extends up to age 68—ensuring long-term protection that reflects today’s working patterns.

• Aviva Care: Health & Wellbeing Services
• Included at no extra cost, Aviva Care offers four exclusive benefits:
  • Digital GP: Online consultations and prescriptions.
  • Best Doctors: Access to second medical opinions from over 50,000 global specialists.
  • Bereavement Support: Compassionate guidance during difficult times.
  • Family Care Mental Health Support: Confidential access to professional psychologists.
  • Get Fit Programme: Online fitness and nutrition plan designed to help your clients build healthier habits.

• Flexible Cover Options

Choose from a range of cost-effective, adaptable plans—ideal for small businesses, startups, or larger organisations looking to tailor benefits across employee groups.

• Multinational Coverage

As part of the Maxis Global Network, we support multinational employers in protecting their global workforce with consistent, high-quality cover.

• Expert Rehabilitation & Case Management

When an employee is unable to work, our dedicated case managers provide personalised rehabilitation plans and early intervention strategies—partnering with trusted providers to deliver the best outcomes.

How do I get a quote:

Please use our GroupIQ+ tool on Aviva Broker Secure to create your quote 

Further information about GroupIQ+ is available here: GroupIQ+ - AvivaBroker

Before quoting, we recommend you have your member data file ready, then log on to GroupIQ+ to request a quote.

Additional guidance on what to have ready before quoting is available here

 If for some reason you are unable to request a quote on GroupIQ+ you can request a quote from groupprotectionirl@aviva.com

You will need to complete our group protection quotation request form and provide the member data.  If you have any additional questions, please contact your account manager.

How do I go on risk:

The GroupIQ+ tool allows you to go on risk once you get a binding quote.  You will be guided through the journey on what is required to go on risk and if a binding quote is produced, you can select the ‘Go on Risk’ button

Once you select to go on risk, you will be asked to confirm some additional details, such as the company tax reference number and the on-risk date.  You will also need to review the declarations and verify that the member data and scheme details have not changed since quoting.  If there have been changes, you will need to complete a re-quote with the updated details.

Once the scheme is placed on risk, we require the new business documentation to be returned within 30 days.

What New Business documents need to be completed?

To set up a Group Income Protection scheme, your clients will need to complete our:

• Group Protection Application form

Where will I find New Business Documents 

You will find the new business documents on the ‘Key Documents’ section of this page or on the  ‘What Happens Next’ section of the going on risk journey on GroupIQ+

Renewing a scheme

The scheme renewal takes place every year to allow us produce new accounts to reflect changes in scheme membership and benefits at the anniversary date.  We will also calculate an adjustment to reflect any changes which are made during the policy year in respect of leavers and joiners to make sure that we charge the correct premium for the amount and length of cover that we actually provided.

Usually the renewal date selected by the employer is 12 months after the start date of the scheme but it is not a requirement to have it this way.  For instance, we could go on risk for a scheme in August but have the renewal date as 1 January because the employer produces their financial reporting in a calendar year.

The renewal date is selected at new business stage so will be included on the application form.

Pre-renewal
Aviva issue a pre-renewal to the broker 6 weeks prior to the anniversary date.  We request the following details:

1. Name
2. Gender
3. Date of Birth
4. Salary
5. Marital Status (if applicable)
6. Category (if applicable)
7. Date of joining service for new entrants only
8. Premium Protection Cover and the cost of Life Cover benefits (if applicable), indicating which members are to be covered and for what level of cover required.
9. Any other information relevant to this renewal
10. Occupation is required at rate review date only

From time to time members may be left off the renewal data or not included at their first opportunity. These members are known as Late entrants. Late Entrants are not immediately entitled to free cover and must be notified to us as soon as these are identified. These members are not on cover straight away and may require underwriting. Such members should be highlighted on the renewal data so that we can confirm our requirements for putting these members on risk.

The pre-renewal pack will include the following:

• Underwriting member schedule (if applicable)
• Provisional invoice

Once completed, this should be returned to grouprenewals@aviva.com

Upon receipt of full and final renewal data, Aviva will issue the renewal acceptance terms and underwriting requirements to you.
The renewal schedule and account statement are then issued after the renewal acceptance terms.
Payment of the provisional premium is required within 50 days of the renewal date in order to continue cover.

Note: We would recommend that the employer verifies the company employee records against the payroll to ensure all members are covered. 

Our customer's journey: Ciara’s story

Ciara is a 33 year old customer service representative who went absent from work after suffering a neck and back injury. After an initial call to Ciara by our EI Case Manager, we realised Ciara was in need of treatment but was stuck on a waiting list. We offered to fund physiotherapy to support Ciara during this difficult time.

Once Ciara and her physiotherapist felt she was ready to commence a return to work, our case manager discussed the case with her employer and agreed to a phased return to work plan. This took into account a temporary set of modified duties and hours to address some of the challenges she experienced.

From an early stage, we were able to support Ciara and her employer with treatment and a phased return to work. Regular calls between Ciara, her employer and our case manager during the return to work helped her to address any concerns before they started to impact on her health. We funded additional treatment during the phased return to work to ensure it was sustainable for the long term. Ciara made a successful return to her normal role over a period of four months.

This case study is a real example from Aviva Ireland, but for confidentiality reasons personal details have been changed. Ciara has not received any payment for her story.