Life insurance advice

If you're confused about which product is right for you, we can help. Speak to one of our friendly advisers who can make sure you have the right cover.

It's worth taking the time to speak to an expert to make sure you and your loved ones have the cover you need should the worst happen.

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

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.
guide you through the application process, keeping you informed at all times.

You could speak to someone...

...like Claire, who joined LV= in 2010. She has a wealth of experience within the Financial Services sector having come from a banking background.

A typical review will take about 20 minutes and all advice offered will be followed up in writing.

Click here to book an appointment for a financial adviser to call you back

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

Have you considered some of the major life events that could affect your finances?

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 2013/2014 to 2017/2018.

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.