Group Life Protection

To produce a quote, log on to our GroupIQ+ tool available on BrokerSecure

To produce an accurate quote, please provide:

1. Group Protection Quotation Request Form
   • Specifies required benefits
   • Includes scheme history, claims history, overseas travel, and long-term absentees
   • Unbranded for use with other providers to allow fair comparison
2. Member Data in Excel Format
   • Date of birth
   • Gender
   • Occupation
   • Salary
   • Marital status (if relevant to benefit structure)

Quote Validity: 3 months from issue date

Contact:
Group Protection Team
Phone: 01 618 6627
Email: groupprotectionirl@aviva.com

The quotation request form ensures we have all necessary information to provide a fair and accurate quote. Factors like adverse underwriting terms or age can significantly affect pricing.

Note: The form is unbranded for use with other providers.

• Minimum Premium: €2,000
  Tags: group protection, minimum premium

• Minimum Membership: 10 members
  Tags: group protection, minimum membership
  

Benefits of Unit Rate:

• Cost savings vs. individual policies
• Guaranteed rates for 3 years
• Minimal underwriting
• Simplified administration
• Employer-paid & voluntary options
• Potential tax benefits

Rate Guarantee Period

Rates are guaranteed for 3 years. Exceptions apply if:

• Total sum insured changes by more than 25%
• Policy terms are amended

Refer to the Technical Guide for full details.

Eligibility defines who can join the scheme and under what conditions. Aviva requires defined eligibility, such as:

• Who: e.g., all permanent staff
• When: e.g., after 6 months’ service or immediately upon joining
• New Entrants: e.g., join immediately after meeting criteria or at next renewal

Schemes may have multiple categories with different eligibility rules.

An employee is considered actively at work if they:

1. Work their normal contracted hours
2. Have not been advised to refrain from work
3. Can fully perform their job duties

Note: Employees on statutory leave (maternity, parental, carer) may still qualify if they meet points 2 and 3.

Cover is available for employees working or seconded abroad if:

• They have an Irish employment contract
• Are paid in Ireland and taxed under Schedule E of TCA
• The scheme is not cross-border
• Premiums are paid in EUR
• Eligibility criteria are met

New members meeting eligibility can be added at the next anniversary, provided benefits are within the free cover limit.

Group Income Protection Only:

• Completed application form
• Premium

Group Life Scheme:

• Completed application form
• Group Protection Master Trust Participation Agreement
• Premium

Start Date:
The start date is when Aviva confirms risk. Backdating is not permitted, and premiums begin from the risk commencement date.

Available if requested at inception. Allows members to transfer their lump sum benefit to an individual policy without medical underwriting.

Conditions:

• Max lump sum: €1,500,000
• Request within 60 days of leaving
• Member must:
  a) Be under age 60
  b) Be resident
  c) Not have left due to redundancy, illness, early retirement, or dismissal

Additional Scheme Information

Redundancy Cover

Aviva provides redundancy cover at no extra cost as standard across all Group Life schemes. Cover continues for insured members:

• Up to 1 year if 10 or more employees are made redundant
• Up to 6 months if fewer than 10 employees are made redundant
• Until the member finds alternative employment
• Or until they reach the scheme’s cease age — whichever comes first

Evidence of Health:
Medical evidence is generally not required if:

• The member’s benefit is below the scheme’s Free Cover Limit
• The member meets the Actively at Work conditions
• The member is not a discretionary entrant

Only Once Underwriting:
For schemes with 50+ eligible members, those above the Free Cover Limit are typically underwritten only once, even if rated or excluded terms apply.

Switching from Another Insurer:
If switching from another provider with 3+ eligible members, Aviva may accept existing cover levels without worsening underwriting terms, provided:

• No increase in benefit levels
• No break in cover
• Declined/excluded members are only covered up to previous levels
• Long-term absentees and adverse decisions are disclosed
• Written confirmation from the previous insurer is provided
• Members meet the Actively at Work condition

Free Cover Limit:
This is the benefit level below which no medical underwriting is required. It varies by scheme size and benefit levels.

Discretionary Entrant:

• An employee or equity partner who:
  • Is not eligible but requested to be included
  • Was not added within 12 months of first becoming eligible
    Must be approved in writing by Aviva.

Late Entrant:
An eligible employee not added at their first opportunity. Must be notified to Aviva and is only covered once written acceptance is confirmed

The schedule only lists members above the Free Cover Limit. It is not a full member list.

Mid-year adjustments apply when:

• New members join during the year
• Salary-related benefit increases occur

Premiums are adjusted at the next renewal to reflect these changes. Individual adjustments are not made during the year.

Example:
A member joining on 1st July with a renewal in January will be charged for 6 months of cover at the next renewal.

• They are within the scheme’s Free Cover Limit
• They meet eligibility conditions

You must notify Aviva if:

• Benefits exceed the Free Cover Limit
• A member did not join at their first opportunity

No. Unit Rate schemes are costed at a group level. There is one rate and one premium per scheme.

• Send written notice to grouprenewals@aviva.com as soon as possible after the insured member’s death.
• For queries, contact the claims team on 1890 882 019.

No claim form is required.

Required documentation:

• Birth Certificate
• Death Certificate
• Last 3 payslips (as proof of salary)
• Any additional documents requested by the Life office

Important:
Claims must be submitted within 2 years of the earlier of:

• The date the trustee first knew of the death
• The date the trustee could reasonably have known of the death

Group Life Insurance: Paid to the Trustee

Income Protection: Paid to the Employer, who must:

• Pay the employee via payroll
• Deduct Income Tax and USC

If a member returns to work part-time, a proportionate benefit may be paid. This reflects the reduction in earnings and includes an allowance for inflation.