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In February 2025, we wrote to your financial adviser letting them know that your insurer, AIG Life Limited, had been acquired by the Aviva Group and changed its name to Aviva Protection UK Limited. Only the name of your insurer changed, the insurance company that underwrites and administers your policy did not change.
We're now letting you know about the proposed transfer of your policy from Aviva Protection UK Limited to Aviva Life & Pensions UK Limited and what this means for you.
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We’re proposing to transfer your policy from Aviva Protection UK Limited (formerly known as AIG Life Limited), to Aviva Life & Pensions UK Limited on 31 December 2025. Both Aviva Protection UK Limited and Aviva Life & Pensions UK Limited are part of the Aviva group.
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We’re following a strict legal process known as a Part VII Transfer. You and your employees' interests are protected throughout the process, and you can raise any objections or concerns with us or through the Court. Please see How to object in section 5 of the Transfer Guide. If you have any questions or concerns, please contact us using the details below.
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No changes are proposed to how your policy works, or your rights or obligations, other than becoming a policyholder of Aviva Life & Pensions UK Limited.
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Please read our Transfer Guide for more information, which provides important details about this proposed transfer.
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What does this mean for you?
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The proposed transfer will not change your rights or obligations under your policy, or to your policy terms and conditions, other than becoming a policyholder of Aviva Life & Pensions UK Limited.
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Employees will still be able to access and use Aviva Smart Health. Please note, Aviva Smart Health is a non-contractual benefit that can be changed or withdrawn at any time.
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If you are paying premiums by Direct Debit, you don’t need to do anything. The name on your bank statement changed to ''Aviva'' in February 2025 and will not change as a result of the proposed transfer. Your rights under the Direct Debit Guarantee aren't affected and an up to date copy can be found here.
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If you make payments by standard order or bank transfer, you'll need to update the payee's name from Aviva Protection UK Limited to Aviva Life & Pensions UK Limited after 31st December in readiness for your first payment in 2026. If you do not make the amend in time your payment will still be processed but your bank may flag a difference between the old and new payee name.
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How are you and your employees protected?
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To ensure you and your employees are protected, we will need to follow a strict legal process that involves obtaining Court approval to the proposed transfer.
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You have the opportunity to consider the proposed transfer and raise any concerns you may have.
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The proposed transfer will not change your rights or obligations under your policy, or the current terms and conditions the policy. If you consider you or your employees may be adversely affected by the proposed transfer or if you have any questions, concerns, or objections, please don’t hesitate to contact us using the contact details below. You and your employees have the right to raise an objection and be heard by the Court, if you consider you or your employees may be adversely affected by the proposed transfer. See section 5 of the Transfer Guide on how to object and what this means.
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An Independent Expert, Oliver Gillespie of Milliman LLP has been appointed as part of the process to review the likely effect of the transfer on policyholders and has prepared a report. The Independent Expert has concluded that the implementation of the proposed transfer will have no material adverse effect on the security of policyholder benefits or the service standards they receive . A summary of his report is provided in section 8 of the Transfer Guide and you can read the full report here or by contacting us if you require a paper copy by using the contact details below.
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Throughout this process we’ll consult with our regulators, the Prudential Regulation Authority and the Financial Conduct Authority about the proposed transfer. They will both provide the High Court in the UK with reports containing their views on the proposed transfer.
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Further detail of the legal process is provided in the Transfer Guide.
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How and when will the proposed transfer happen?
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We’ve made an application to the High Court of Justice of England and Wales (High Court) under a legal process known as a Part VII Transfer, as set out in the Financial Services and Markets Act 2000. This process concludes with a High Court hearing.
This hearing will take place at the Rolls Building, 7 Rolls Buildings, Fetter Lane, London, EC4A 1NL and is expected to take place on 26 November 2025. You can attend the final High Court hearing in person, we will update our website with details on this.
If approved, we expect the proposed transfer will come into effect on 31 December 2025.
If there are any changes to these dates, these will be published on our website.
If the proposed transfer is approved by the High Court and is implemented, you will cease to be a policyholder of Aviva Protection UK Limited. Instead, you will become a policyholder of Aviva Life & Pensions UK Limited.
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Read the Transfer Guide: Please read and encourage your employees to read the Transfer Guide for more information.
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Inform Others: Let anyone else with an interest in your policy know about the proposed transfer. Please make your employees aware if they have a claim being processed.
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Raise Concerns: If you or your employees have any questions or think you or your employees may be adversely affected and wish to object to the proposed transfer, please contact us before 19 November 2025 to give us time to respond to you before 26 November 2025 which is the date of the final High Court hearing. You or your employees can write to us Aviva Part VII, Wellington Row, York, YO90 1WR, call us on 0800 158 4048, if overseas +44 1603 603 866 or email us at partvii@aviva.com (If calling from overseas you may be charged, if you prefer to arrange a call back at a time convenient for you, please email partvii@aviva.com).
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Visit our dedicated webpage: here where you will find further information on the proposed transfer including the full Independent Expert report. We will place a notice on our website to let you know of the Courts’ decisions shortly after the final hearings.
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If you require paper copies of any reports, please contact us using the contact details below.
If you require an alternative format, braille, large font, or audio please contact us.
Yours sincerely,
Fran Bruce
Protection Managing Director.
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Get in touch
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Find out more about this proposed transfer on our dedicated webpage.
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Call us: freephone 0800 158 4048, if overseas +44 1603 603 866. (If calling from overseas you may be charged, if you'd prefer to arrange a call back at a time convenient to you, please email us at partvii@aviva.com). Lines open 8am-6pm Monday to Friday. Closed England Bank Holidays. Calls may be monitored and or recorded.
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Email us: partvii@aviva.com
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Write to us: Aviva Part VII, Wellington Row, York, YO90 1WR.
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For general queries: If you have any questions about your policy or need to make amendments, please call your usual customer service number.
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Retirement | Investments
| Insurance | Health |
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The email and any files sent with it are intended only for the named recipient. If you are not the named recipient please telephone/email the sender immediately. You should not disclose the content or take/retain/distribute any copies.
Please do not reply to this email as the mailbox is unattended. To make sure you receive a prompt reply to your enquiry, please use our contact us section.
For information about how we collect and use your personal information when you use Aviva, please visit https://www.aviva.co.uk/legal/privacy-policy.html or request a copy by writing to us at: The Data Protection Team, Aviva, Pitheavlis, Perth, PH2 0NH
Aviva Protection UK Limited. Telephone 0345 600 6820. Registered in England and Wales. Number 6367921. Registered address: Aviva, Wellington Row, York, YO90 1WR. Aviva Protection UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752
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PT151556 07/2025
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