Life insurance advice

If you're confused about which product is right for you, we can help.

Speak to one of our advisers who can make sure you have the right cover.

Taking care of yourself or your loved ones in the event of death or serious illness is one of the most important things you'll probably ever do.

Life insurance is a way to financially protect yourself or your loved ones should you die.

As well as life insurance there are other protection needs. Critical illness and income protection are also important and provide cover for you if you're diagnosed with certain medical conditions or are unable to work because of long-term sickness or an accident.

We offer a range of protection, pension, annuity and investment products from the Liverpool Victoria group of companies. We also offer annuities and investments from a limited number of other companies - you can call us for a list of these.

Areas of cover to consider...

repaying your mortgage if you die
repaying your mortgage if you're diagnosed with a serious illness
paying your mortgage/rent repayments if you become ill and can't work
paying your household expenses if you become ill
providing for dependants in the event of your death
providing for your funeral costs in the event of your death

Request an appointment with a financial adviser

Call us

For advice on life cover call us to speak to an LV= financial adviser.

0800 756 8514 0800 756 8514

Lines are open from 9am - 8pm Mon to Thurs and 9am - 5pm on Fri.
For textphone dial 18001 first. We may record and/or monitor your calls for training and audit purposes.

Our advisers will...

talk to you about your current circumstances and the reasons for you looking for cover
make sure you're aware of all the options available to you
help you get the right amount of cover, for the right period of time and within your budget

A typical review will take about 20 minutes and all advice offered will be followed up in writing. There will be no paperwork for you to complete as all applications are completed over the phone.

You could speak to an adviser like Laura, who joined LV= in 2003 and has held a number of roles. She became a protection adviser in 2009 and has successfully passed a number of CII exams.

Some of the major life events that could affect your finances are:

What if I die unexpectedly?

Our life protection policies will pay out a lump sum to help support your family and repay any debts, like your mortgage, if you die during the term of cover. We may also pay out if you're diagnosed with a terminal illness. (Certain restrictions apply). Payment from these types of policy will normally go to your estate, which may be subject to Inheritance Tax. Inheritance Tax could apply to the part of your estate that is worth more than £325,000 for tax years 2011/2012 to 2014/2015.

What if I can't work because I'm sick or have had an accident?

With very little support from the state it's important to have additional protection in place. Our income protection policy will ensure that you still have some income coming in if you're unable to work because of long-term sickness or an accident. The money paid out is currently tax free and is designed to protect your standard of living.

What if I'm buying a new home?

With our full range of protection options we can help ensure that you and your family are protected financially in your new home.

What if I'm having a baby?

We all know how much children change our lives, so at a time like this it's more important than ever to make sure that they're financially secure should the worst happen to you. We're able to work out how much cover you and your family would need if you died or were unable to work because of an accident or ill health.

What if I become critically ill?

Our critical illness policies can make sure that you receive a lump sum if you're diagnosed with one of the covered serious illnesses or conditions and survive for at least 14 days. The money can be used to repay a mortgage or other debts or to make alterations to your home to help you and your family adjust. We only cover the critical illnesses defined in our Policy Conditions, and no others.

Who can apply?

You can apply for our life insurance policies as long as you're aged between 17 and 79 (some types of cover are only available to apply for up to age 59). You can apply for our income protection and critical illness policies if you're aged between 17 and 59. You must also be permanently living in the UK. Our products aren't available to people living in the Channel Islands or the Isle of Man.

We offer the following life cover products:

Life insurance
Life insurance with critical illness
Mortgage payment protection
Income protection
Over 50's insurance
Mortgage life insurance

Next steps...

Call us on 0800 756 8514
Request an appointment with a financial adviser

If you're an Independent Financial Adviser, please call:

0845 6020 690

This number is for independent financial advisers use only. We may record and/or monitor your calls for training and audit purposes.

Lines open:
9am - 5.30pm Monday to Friday