Aviva offers simple, convenient access to meet customers' insurance, protection, savings and retirement needs.

We do this by:

Underwriting

Our underwriting and pricing expertise coupled with our analytics capability allow us to underwrite risk in a way that accurately reflects our customers' profiles and is thus more price competitive.

Risk management

Our scale affords us the opportunity to optimally manage risk, pooling different risks, maintaining capital strength and working with the best reinsurance specialists in the world so that customers know we will be there when they need us.

Asset & liability management

Customer premiums are invested by specialist teams to balance investment return with risk and to maintain sufficient funds to pay claims. Wherever possible we match liabilities to assets. For example, money received for annuities is invested in assets which will continue to pay a return for the long term, such as corporate bonds.

Understanding Big Data and analytics

Big Data enables us to better support our customers through accurate risk assessment and to present opportunities to customers at every stage of their lives.

Underpinned by:

  • Strong brand
  • 320 year heritage
  • Financial strength
  • Scale and diversity
  • Customer service

Enabling sustainable value creation:

We create value for our investors and deliver economic and social benefits for our customers, employees and society

Customers

Customers benefit from a range of solutions to meet their needs, with easy access when and how they want it. Our strong brand and financial strength give customers confidence we will pay out in the event of a claim. Making sure our customers stay with us is important to our longterm success.

33 million customers worldwide*

Shareholders

Aviva creates value for shareholders by returning profits to them in the form of dividends, and by re-investing in our businesses around the world.

10.4% total shareholder return in 2015

Employees

Our aim is for employees to work within a diverse, collaborative and customer focused organisation, with equal opportunities, fair reward and encouragement to achieve their potential.

29,600* employees worldwide

Society

Aviva plays a significant role in the community as a major employer, long-term investor, and enabler of economic growth by helping people and businesses to manage risk, as well as via specific investment in the communities in which we operate, such as our community funds.

£10.8 million total community investment in 2015

Our values are at the heart of how we do business

Care more

We care like crazy about our customers, each other and our communities

Kill complexity

We are obsessed with making things simpler for our customers and each other

Never rest

We are driven to think bigger and do better for our customers and each other

Create legacy

We strive to create a sustainable future for our customers and each other

*As at 31st December 2015