Aviva enhances its IP product

Launched earlier this year, income protection Solutions' flexible structure, benefits and competitive price make it one of the most appealing products in the market, according to Aviva.

The new enhancements further improve the product and offer improved benefits for both intermediaries and their clients.

The enhancements are as follows:

• Temporary Accident Cover - offering up to 90 days' free accident cover whilst the policy is being underwritten
• Exclusions Discount - customer's premiums are discounted if they have an exclusion (including partial) for mental health and/or spinal conditions
• Increased commission - intermediaries now receive 150% initial commission (previously 130%).

These enhancements follow Aviva's recent announcement that it had transformed its flexible Income Protection Solutions product by introducing electronic application and tele-interviewing, significantly improving the customer experience both at application and claims stage.

Kevin Murdoch, senior propositions development manager, Aviva UK Health said: "Our flexible Income Protection Solutions has been really well received and we are committed to the ongoing development of the product to ensure that it continues to meet our customers' needs. Our innovative Protection Promise is a prime example of this commitment as it means that customers now have the peace of mind that they are protected if they have an accident whilst their policy is being underwritten."