Retirement Health Why choose Investments …During the policy term you pay us money every month – your premium. If you stop paying your premiums or cancel the policy, you’ll no

Retirement Investments Insurance Health










Why choose Living Costs Protection?Please note: This guide provides brief summaries of the cover and options available. For full details you must read the policy summary and policy conditions.

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2 Why choose Living Costs Protection?

Helping cover life’s essentials, when you can’tLiving Costs Protection is a simple long-term policy that pays out if, during the policy term, you can’t work due to illness or injury. The cover will pay out for up to 12 months for each successful claim. During the policy term you pay us money every month – your premium. If you stop paying your premiums or cancel the policy, you’ll no longer be covered, and you won’t get any money back. This is not the type of policy you can ‘cash in’. We’ll only make a payment if a successful claim is made.

Putting food on the table is one of life’s essentials. But if you can’t work, even the weekly shop could be a struggle. That’s why we have Aviva Living Costs Protection, which provides a fixed monthly amount to help towards covering your essential outgoings like mortgage or rental payments, utilities and food.

No complex calculations. No second guessing. Just straightforward protection if you find yourself unable to work due to illness or injury.

We understand what an impact illness and injury can have on being able to work. When you’re covered, you can relax a little, and focus on your recovery. The policy also includes a range of extra benefits and support services as standard, giving you valuable help dealing with your situation.

Note: Receipt of benefit from this policy could affect how much you receive if you hold any other income protection policies and/or affect what you are eligible for under State means tested benefits. State benefits may change.

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Living Costs Protection provides cover towards those

essential outgoings…

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How Living Costs Protection worksLiving Costs Protection pays you a regular amount each month if you are unable to work due to illness or injury. This will be paid for up to 12 months for each eligible claim. There are no complicated calculations involved and we won’t ask for details of your earnings. If your claim is successful we will pay the monthly amount shown on your policy.


You need to be working at least 16 hours a week (unless you are on the first 52 weeks of maternity, parental or adoption leave) when you apply and immediately before your illness or injury to be eligible to claim on the policy.

• how much you could receive each month as a benefit – this can be between £500 and £1,500 per month

• when you’d like your payments to start – you can choose a deferred period of 4, 8, 13 or 26 weeks. This is the amount of time you will need to wait until benefit is paid. Benefit is paid monthly in arrears.

• how long you would like your policy to last – from 5 years up to 52 years. (It can’t continue past your 71st birthday)

You decide:

Can I have a Living Costs Protection policy?• You need to be working at least 16 hours a week either employed or self-employed

At the time you apply for this policy you must:

1. be currently physically living in the UK, the Channel Islands, the Isle of Man or Gibraltar; and

2. regard the UK, the Channel Islands, the Isle of Man or Gibraltar as the location of your main residence and have no current intention of moving outside of any of those territories permanently; and

3. either

a. be a citizen of that territory or a British Overseas Territories citizen, orb. have been granted permission to settle permanently in the named territory, orc. be applying for a mortgage on a residential property which is, or will be, your main

residence in that territory.

You need to tell us if you move outside of the UK, the Channel Islands, Isle of Man or Gibraltar, and your main residence is in another territory. We may need to change, reduce or remove any of your policy terms. We’ll give you details once you’ve told us. You should seek your own independent advice if you wish to continue with your policy after you move to another territory.

• You need to have been registered with a GP in the UK, Channel Islands, Isle of Man or Gibraltar for at least the last 2 years.

In order to assess your eligibility, we’ll also ask you some questions about your health and lifestyle. We won’t ask for details of your earnings or income you receive, but will ask about your occupation.

Additional benefitsWaiver of premiumOur Living Costs Protection policy includes a waiver of premium as standard. This means that, if you make an eligible claim, we’ll help out by paying your premiums for you from 13 weeks after you stop working, or from the end of your chosen deferred period – whichever comes first. Once your claim ends, you will need to resume paying your premiums.

Life change benefitLife change benefit is a feature that may allow you to increase your cover amount if your mortgage or rental payments go up, due to moving home or re-mortgaging, without the need for any further health and lifestyle questions to be answered. Please note this increase will be under a new policy and for an additional premium.

Back to work benefitOur back to work benefit can help ease the process of returning to work after time off. If your illness or injury means you earn less than you did before, but you’re still able to work, we’ll pay you one months’ benefit when you return to work. This won’t be paid if you’ve already received 12 months benefit payments.

We’ll pay it if you were in a paid job but illness or injury means you’re now earning less, because:

• you’ve had to change your occupation, or

• you’ve had to restrict your duties or hours.

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Can I have a Living Costs Protection policy?• You need to be working at least 16 hours a week either employed or self-employed

At the time you apply for this policy you must:

1. be currently physically living in the UK, the Channel Islands, the Isle of Man or Gibraltar; and

2. regard the UK, the Channel Islands, the Isle of Man or Gibraltar as the location of your main residence and have no current intention of moving outside of any of those territories permanently; and

3. either

a. be a citizen of that territory or a British Overseas Territories citizen, orb. have been granted permission to settle permanently in the named territory, orc. be applying for a mortgage on a residential property which is, or will be, your main

residence in that territory.

You need to tell us if you move outside of the UK, the Channel Islands, Isle of Man or Gibraltar, and your main residence is in another territory. We may need to change, reduce or remove any of your policy terms. We’ll give you details once you’ve told us. You should seek your own independent advice if you wish to continue with your policy after you move to another territory.

• You need to have been registered with a GP in the UK, Channel Islands, Isle of Man or Gibraltar for at least the last 2 years.

In order to assess your eligibility, we’ll also ask you some questions about your health and lifestyle. We won’t ask for details of your earnings or income you receive, but will ask about your occupation.

Additional benefitsWaiver of premiumOur Living Costs Protection policy includes a waiver of premium as standard. This means that, if you make an eligible claim, we’ll help out by paying your premiums for you from 13 weeks after you stop working, or from the end of your chosen deferred period – whichever comes first. Once your claim ends, you will need to resume paying your premiums.

Life change benefitLife change benefit is a feature that may allow you to increase your cover amount if your mortgage or rental payments go up, due to moving home or re-mortgaging, without the need for any further health and lifestyle questions to be answered. Please note this increase will be under a new policy and for an additional premium.

Back to work benefitOur back to work benefit can help ease the process of returning to work after time off. If your illness or injury means you earn less than you did before, but you’re still able to work, we’ll pay you one months’ benefit when you return to work. This won’t be paid if you’ve already received 12 months benefit payments.

We’ll pay it if you were in a paid job but illness or injury means you’re now earning less, because:

• you’ve had to change your occupation, or

• you’ve had to restrict your duties or hours.

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A claims service that understands your needsYour regular outgoings don’t stop if you can’t find the money to cover them. If injury or illness means you can’t work, it’s a huge relief for you and your loved ones to know that Living Costs Protection ensures there’s still money coming in for help towards the things you can’t live without. And it’s more than money – Living Costs Protection also includes other support services to see you through.

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Straightforward supportThe following support services are available to the policyholder, their spouse/partner and any dependent children.

Please note that these support services are all non-contractual and may be withdrawn at any time.

Counselling and carer support(available for the policyholder, their spouse/partner and any children aged 18 or over)

Life can be tough sometimes, so it helps to have someone to turn to. That’s why each of our protection policies includes access to short-term counselling and carer support services provided by Workplace Options.

Workplace Options offer face-to-face or telephone based support for you and your family, giving help with:

• mental wellness issues such as bereavement, work-related stress and relationship breakdown

• facing the challenges that come with being a carer.

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Second Opinion by Best Doctors®

(available for the policyholder, their spouse/partner and any children under the age of 18 or 21 if in full time education)

Second medical opinion from Best Doctors gives you access to a worldwide network of peer recommended medical experts. If you have been diagnosed with any medical condition affecting your daily life, it’s understandable that you will want to have as much information as possible and explore the treatment options available to you.

Once you contact Best Doctors, they will collect your medical records and select an expert to provide an independent review of your condition and treatment options. You will then receive a detailed case report,which provides the expert’s professional medical opinion, including;

• Confirmation of your diagnosis

• Treatment recommendations

The only conditions Best Doctors does not review are mental health, dental and emergency conditions.

Bupa Anytime HealthLineBupa Anytime HealthLine is a telephone support service that gives you access to a qualified nurse, 24 hours a day, 7 days a week. You can use this service to get answers to any questions or concerns you may have about a specific medical condition or to get practical advice on your general health and well being. You can also use the service with regards to your loved ones – for example, if you’re worried about your children’s health.

Product flexibilityWe understand that things can change. With that in mind, here’s how Living Costs Protection can support your changing circumstances.

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Product flexibilityWe understand that things can change. With that in mind, here’s how Living Costs Protection can support your changing circumstances.

What happens if…I’m on maternity/parental/adoption leave? If you’re ill or injured during the first 12 months of your leave, we’ll treat your claim as though you’re still working.

I’m not working?You won’t be able to make a claim on your Living Costs Protection policy if you are unemployed or working less than 16 hours a week immediately before your illness or accident.

If I change my jobIf you move to a different occupation we can change this on your policy once you’ve had your policy for six months. We will only change your recorded occupation if it’s a lower risk one that may result in your premium going down.

If I change my mind about how much cover I needYou can reduce your benefit amount once you’ve had your policy for six months.

It’s important to review your cover regularly as your circumstances and needs may change over time and discuss any concerns you have about the suitability of the policy for you with your financial adviser.

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Optional benefits

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Fracture coverFracture cover is available at an extra cost and offers additional cover for a range of fractures.

We’ll pay a lump sum if you suffer one of 18 fractures during any 12 month period. We’ll pay one successful claim each year.

Global treatmentIf you or your child were to suffer from a serious illness, it’s only natural that you’d want expert diagnosis and treatment. We´ve teamed up with Further®* International to offer Global treatment. This gives access to worldwide medical specialists and covers the cost of overseas treatment for certain serious illnesses or medical procedures, as defined in the policy conditions.

This is an optional benefit that renews every three years, available at an additional cost. Please refer to the policy conditions for further information about this.

Global treatment is a way to make overseas treatment possible as it provides access to international hospitals. Overseas treatment may be unattainable to most people due to the financial cost – Global treatment is a way to make this possible as it can provide access to international hospitals.

Global Treatment is provided in conjunction with both Best Doctors (responsible for second opinion service) and Further Underwriting International, S.L.U (responsible for medical and non-medical concierge services for treatment overseas.)

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AL19014 05/2019 © Aviva plc

Aviva Life & Pensions UK Limited. Registered in England No. 3253947. 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. Member of the Association of British Insurers. Firm Reference Number 185896.

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Best Doctors and the star in cross logo are registered trademarks of Best Doctors, Inc in the United States and other countries. Used with permission.

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Retirement Health Why choose Investments …During the policy term you pay us money every month – your premium. If you stop paying your premiums or cancel the policy, you’ll no