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Transforming The Business Protection Market With Interactive Underwriting

Aviva has launched two new business protection products on the Aviva Life Protection Solutions (ALPS) online platform, including a market first Relevant Life Insurance with the option to add critical illness cover.

The inclusion of critical illness benefit as an option on Aviva’s Relevant Life Insurance, which provides individual death in service benefit for an employee, represents a significant change for the business protection market and will make it even easier for advisers to cover their clients’ business protection needs in one application.

Aviva will also offer Business Life Insurance Options, which will provide life and critical illness cover for business clients.

Through the ALPS platform, advisers will be able to quote and apply for the new business protection products simply and seamlessly, and with interactive underwriting can expect a straight-through rate of around 75%, providing certainty and convenience for their clients. The self serve function allows advisers to deal with case administration at a time and place that suits them, with all policy documents stored online for simple access.

The platform provides a full online quote, apply and track facility, with multi-product applications enabling advisers to apply for both of Aviva’s business protection products at the same time. An enhanced protection promise up to £1 million benefit recognises the higher average case size for business protection.

Business protection advisers will also benefit from expertise and end-to-end support from Aviva through a support line and specialist account managers. This includes a dedicated team for high value cases, who will provide pro-active support as well as help with any underwriting, tax or trust queries.                                                                      

The two protection products help businesses protect against any financial loss in the event of death or critical illness of a business owner or key individual, and provide cover to employees. This includes access to a network of medical experts through Second Opinion by Best Doctors, at no extra cost.

Louise Colley, Managing Director of Protection at Aviva, said:, “Interactive underwriting and an intuitive end-to-end application process on our ALPS platform is really transforming personal protection writing, so I’m delighted that business protection writers will also have the same easy access to these new products, in order to help protect more lives.

“Historically, relevant life policies have tended to only include a death benefit and terminal illness benefit, so I’m equally delighted that following extensive research and advice from external legal counsel, we are able to offer a fully-compliant critical illness benefit on our new Relevant Life Insurance. This is a market first and we believe that it will really help advisers write more protection business more easily.”

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