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Life Insurance with Critical Illness

Our life with critical illness cover can pay a lump sum of money if you die or suffer a critical illness

  • With a total of 63 critical illnesses covered, we’re one of the market leaders
  • Up to £25,000 children’s critical illness cover at no extra cost
  • We pay claims quickly – and you can use your money how you want
Man in wheelchair looking down at a dog with a women stroking the dog and green heart in the background

Why you might want to take out life insurance with critical illness cover

It's easy to think a critical illness isn’t going to happen to us, but should the worst happen you can help make sure your family and loved ones are protected by easing their financial worries.

Cover features

  • Pays a lump sum if you die, or are diagnosed with one of the 63 listed illnesses during the term of your policy.
  • Includes additional payments for 20 less serious conditions - if a claim is paid your cover remains in place for the full amount.
  • Choose the amount of cover you need and how long you want it to last.
  • Option of choosing level, decreasing or inflation-linked cover (inflation-linked is not available on-line)
    Decreasing cover reduces the amount paid over time, inflation-linked increases each year in line with your premium, level is fixed and won't keep up with inflation.
  • Children’s critical illness cover included at no extra cost, from birth until their 21st birthday (cover for all conditions apart from diabetes mellitus type 1). Watch our customer story video.
  • Cover available from £5 a month.
  • Choose guaranteed or reviewable premiums.
  • Single cover for you or joint cover for you and your partner
  • For an additional cost, your premiums could be paid for you if you're unable to work (waiver of premium).

Important information

  • You need to decide if this product is right for you and speak to a financial adviser if you’re not sure.
  • If you die, we'll normally pay the lump sum to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2016/2017 to 2017/18).
  • We only pay for illnesses covered in our policy and no others.
  • Adult critical illness claims will only be paid if you survive for at least 14 days after being diagnosed.
  • We won’t pay a claim if you die as a result of intentionally taking your own life within the first 12 months of your policy.
  • If you stop paying your premiums you won't get any money back and your cover may stop.
  • This is a term policy, so you will only be covered for the period you have chosen.
  • Once the policy ends, the cover stops and you won't get any money back.
  • Please note that cover for total permanent disability isn't available if you apply online. If you require this cover please call our advisers on 0800 756 8515.

Our life with critical illness application is quick and easy

How to buy our life insurance with critical illness cover:

All we ask is that you're a UK resident, aged between 17 to 64 when your policy starts (17 to 59 for inflation-linked cover). Your policy must last for at least 5 years (our minimum term), and can't last for longer than 40 years (our maximum term). The policy must end before any person insured reaches the age of 70.

  • Please read the life insurance with critical illness product information to help you understand the benefits of the product.
  • Consider how much cover you need and the length of time you need the cover for.
  • The information given in these pages should not be seen as advice to take out this plan so If you're happy that the product meets your needs you can apply online or over the phone.

Please note that cover for total permanent disability isn't available if you apply online. If you require this cover please call our advisers on 0800 756 8515.

If you're not sure if this product is suitable for you or you'd like advice about our products please phone 0800 587 3057. Our lines are open Monday to Thursday 9am - 8pm or Fridays 9am - 5pm.

A customer story

Paul shares his experience with us.

Image of Paul

Children's critical illness cover

Nicola and Jeremy share their story about their son's illness.

Image of Nicola and Jeremy

You can also phone

Call our UK-based advisers for more information or a quote:

Green phone

0800 756 8515
Quoting offer code IELO

9am - 7pm Monday to Thursday
9am - 5pm Friday

For existing customers

Green phone

0800 678 1906
9am - 8pm Monday - Thursday
9am - 5pm Friday

TextDirect first dial 18001

We may record and / or monitor calls for training and audit purposes.

We offer advice on LV= products only.

If you need cover for total permanent disability you will need to call our advisers. This cover is not available if you apply online.

Existing customer?

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Make a claim

Useful information about making a new claim or finding out about an existing one.

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More about Life Insurance claims

Membership services

Free access to qualified health, legal and counselling professionals.

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More on our Member Care Line

Make changes

Check or change policy details like your name, address, direct debit, request policy documents or put your policy in trust.

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Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Find out more

Why choose LV=

An insurance provider you can trust established in 1843.

  • 91% of critical illness claims paid in 2015
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents

Get advice

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

Get some advice

LV=, County Gates, Bournemouth, BH1 2NF, UK