Life Insurance
Get a quick quote in just 5 minutes
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Cover from just £5 a month
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98% of claims paid in 2025
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Up to £400 of e-Gift cards with new policy
Claim up to £400 gift cards
Get up to £400 worth of e-Gift cards when you take out LV= Life Insurance
We’re offering up to £400* worth of e-Gift cards when you take out a policy on LV.com and then pay at least six-monthly premiums.
*Amount varies depending on the premium you pay. See T&C's for full details.
Award-winning products
Proud to be ranked number one for UK life insurance on the Forbes World's Best Insurance Companies list
Why choose LV=
Cover starts from as little as £5 per month
Quick and easy application
98% of claims were paid in 2025. These figures include claims paid for Life Insurance, Terminal illness and our Whole of Life products (including some guaranteed over 50’s whole of life products). Our whole of life products are no longer available.
Once we’ve made our final decision - we aim to pay you within 3 days
Free access to LV= Doctor Services
Terminal illness cover is included at no extra cost
life insurance Cover Options
We know it's a tough topic, but we're here to make it a little easier
- Pays out a lump sum if you die within the plan term.
- Gives you the flexibility to choose the amount of cover you need and for how long.
- Guarantees that your premiums won't change in the future unless you change your cover.
- Gives you access to LV= Doctor Services, a Legal Advice Line and other member benefits at no extra cost.
- You may be able to increase your cover after specific life events without medical evidence.
- What you pay depends on your personal circumstances such as your age and whether you smoke.
Important information
Here's what you need to know about life insurance, so you have the full picture
- Available to UK residents aged 17 to 84.
- You can choose the length to run between 5-50 years, but the policy must end before your 90th birthday.
- 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 2023/24 to 2027/28).
- 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.
- This is a protection policy only and has no cash in value. If you stop paying your premiums, your cover may stop and you won’t get any money back.
- As part of your life insurance application, we may need to contact your doctor for a medical report.
- You don’t have to give your consent to us obtaining a medical report if we need to, but you won’t be able to complete the online application without agreeing to this. It’s still your responsibility to answer all the questions accurately and honestly in your application. If you don’t, we might not pay a claim and could cancel your policy.
- Increase options are available after marriage/civil partnership, divorce, the birth of a child or mortgage increase. Sometimes we won't be able to offer you increase options, subject to guidelines within your policy conditions.
Make sure you read the policy summary so you understand what you're buying...
The information on this page shouldn't be taken as advice, It's up to you to decide if it's right for you and you should speak to a financial adviser if you're not sure.
Buying Life Insurance is quick and easy