Aviva has announced that it is to include lump sum and pay direct options on its group income protection and increased free cover limits on its group life policies .
With immediate effect, Aviva has increased the free cover limit formula on its existing and new group life policies from £15,000 to £20,000 multiplied by the number of lives in a scheme, subject to a maximum of £1.25m. Aviva has also increased the maximum free cover limit from £1.25m to £1.5m for schemes covering 500 to 2,999 lives and to £1.75m for schemes covering 3,000 lives or more.
On its group income protection product, Aviva has introduced a lump sum option, so rather than covering employees until retirement age, employers taking out a unit-rated group income protection scheme can opt for a two, three, four or five-year limited term followed by a lump sum payment of one, two, three, four or five times salary, or up to nine times the annual income benefit (up to £1m per life).




