Our business

How we’re organised

Aviva is an international savings, retirement and insurance business with 33.4 million customers.

Investments, Savings and Retirement

Woman and child counting money
We help people save for retirement.

Helping people save for enough income in retirement is one of the biggest challenges facing our communities. We’re taking on that challenge, building on our expertise from across the group to provide the first combined savings and retirement business in the UK.

This division brings together our global asset manager, Aviva Investors, and our modern UK workplace and platform savings business.

By looking after all stages of our customers’ saving and retirement needs, as well as serving institutional asset management clients, this business is well positioned for long-term growth.

It has scale of assets and strong relationships with businesses and financial advisers. It also draws on a strong track record in investment expertise, in particular in the area of responsible investing.


in UK Workplace Pensions by Assets Under Administration


Aviva Investors' assets under management (HY20)

UK Life:

Child and doll house
We help people protect their property and possessions.

Our UK Life business offers annuities and equity release products. It provides protection and health products for both individual customers and for businesses that want to support the physical, mental and financial health of their employees. The division benefits from leading scale across life products. It has strong capabilities in data analytics, underwriting, asset-liability management, scale efficiencies and also has access to Aviva Investors’ solutions.


market position in individual annuities


market position in individual and group protection

General Insurance

The General Insurance division helps individuals and businesses protect their property and possessions. It offers a range of products from covering your home and car, your pet or next holiday to insuring your business against flooding or cybercrime.

We provide general insurance offering best in class underwriting and customer service. The division has a strong distribution network and outstanding capabilities in data and analytics, digital offerings and claims and risk management.


market position in the UK


HY20 combined operating ratio (COR)

Europe Life

Europe Life operates in France, Italy, Poland, Ireland and Turkey. It offers a range of insurance savings, investment and protection products to customers who want to make the most of their money, and plan for the future and protect against the unexpected.

It benefits from a diverse distribution network and a strong operational track record.


customers across five countries


policyholder reserves (average HY20)

On 23 November 2020 we announced our agreement to sell our entire shareholding in Aviva Vita, an Italian life insurance joint venture. 

Asia Life

Our businesses in Singapore and China are there to help our customers meet their saving and insurance needs. They are profitable businesses, delivering attractive growth and generating positive cash-flows.

Our Singapore business is the market leader with financial advisers. It operates a profitable portfolio across protection and savings products.


contributed by our Singapore business to Asia’s total value of new business.


in Financial Advisory channel

On 20 November 2019 we announced our agreement to sell our stake in our Hong Kong joint venture, Blue, to our partner Hillhouse Capital. We are in discussions with our partner in relation to our business in Vietnam.

On 11 September 2020 we announced our agreement to sell a majority shareholding in Aviva Singapore to a consortium led by Singapore Life Ltd ("Singlife").

Our markets
Our markets