Aviva

The group operates a multi-line financial services model centred on insurance and investment management. In life, general and health insurance, it underwrites risk for consumers and businesses, pooling premiums and managing claims while investing collected premiums to generate returns. Its asset management division manages portfolios across public and private markets for institutional and retail clients, charging fees linked to assets under management and performance. The capital investment units allocate the group’s own balance sheet into real estate, infrastructure and early-stage companies to support product offerings and generate long-term returns. This combination allows it to monetise risk underwriting, asset management expertise and balance sheet strength across retail and institutional channels.

Aviva is a United Kingdom-based insurance and asset management group. It provides life, general and health insurance products alongside an institutional and retail investment management arm. The group also deploys its own capital into UK real estate, infrastructure and early-stage digital businesses.

Aviva earns revenue primarily from insurance premiums, investment income on insurance float, and asset management fees on assets under management, supplemented by returns from direct and venture investments. Customers include individual consumers, employers and SMEs buying insurance and workplace benefits, as well as institutional investors using its asset management and capital investment platforms.