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Life Insurance with Critical Illness

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

  • With 64 critical illnesses covered, we’re one of the market leaders
  • Up to £25,000 children’s critical illness cover included at no extra cost
  • We pay claims quickly – and you can use your lump sum how you want

Life insurance with critical illness help and FAQs

Preparing for the worst is not something we want to think about when feeling fit and healthy, but you never know what
life is going to throw at you next. Our life insurance with critical illness cover can offer your loved ones some protection
if you die or become critically ill. Here are some frequently asked questions we've been asked about our life insurance with critical illness cover which you may find helpful before making your decision.

What is Critical Illness cover?

Critical illness cover is nothing new but it hasn't always been known as critical illness insurance as it is now. When it launched in October 1983, it was called 'dread disease insurance' and originated in South Africa. Since then critical illness has been accepted into insurance policies worldwide - under lots of different names.

Critical illness insurance will cover you for the length of your policy and you'll receive a one-off cash lump sum if you're diagnosed with one of the 64 critical illnesses we cover.

This type of insurance is designed to pay off your mortgage and any debts, to pay medical bills or for home modifications; making your home wheelchair accessible by adding ramps, for example. It helps you to ensure that your family is provided for if you can't work due to ill health.

Our Critical Illness cover will pay a claim if you're diagnosed with one of the critical illnesses we cover and you survive for 14 days or more after your diagnosis.

Find out more about critical illness cover and the critical illnesses we cover.

How much is critical illness insurance?

The cost of critical illness will depend on your individual circumstances, such as your age and whether you smoke or not. It also depends on how long you'd like your insurance to run for, and the amount of cover you choose.

You can find out how much your life and critical illness insurance will cost by completing our online application.

What’s the amount of critical illnesses we paid out in 2013?

In 2013 we paid 88.6% of critical illness claims to help more families at a difficult time. The total amount of claims paid out was £15.8 million, with just 2.7% of claims declined for non-disclosure. We are very proud of these results. See the types of claims we paid out on.

Find out more about the critical illness claims we paid in 2013

Can we get joint cover?

Yes. You and your partner can apply for cover together. The policy will pay out if one of you dies or is diagnosed with a critical illness during the policy term. But joint life cover only pays out once, so once it pays out, the policy ends, and you're no longer covered.

What are life insurance and critical illness calculations based on?

When insurers calculate their premiums for life and critical illness insurance cover, they'll look at how long they expect customers to live based on their age, medical history and other factors that are likely to impact their life expectancy.

Find out more about what insurance calculations are based on

Please note that if you question is specific to your plan and not covered above, you may need to refer to your original plan documents or call one of our trained service advisers.

Our life with critical illness application is quick and easy

You can also phone
Call our UK-based advisers for more information or a quote:

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0800 756 8515
Quoting offer code IELO

Textphone: 18001 0800 756 8515

9am - 8pm Monday to Thursday
9am - 5pm on Friday


Holiday opening hours

Christmas Eve: 9am-12pm
Christmas Day: Closed
Boxing Day: Closed
New Years Eve: 9am-4pm
New Years Day: Closed

For all other days, normal hours apply


Existing customer?

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

We offer advice on LV= products only

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

An insurance provider you can trust established in 1843.

  • 88.6% of claims paid in 2013
  • UK's largest friendly society
  • Policy summary
  • Policy conditions

View policy documents

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

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