50 Plus plan claims information

We're here to pay claims, not wriggle out of them. Read about what you or your family need to do in the event of a 50 Plus plan claim.

In the unfortunate event that your family need to make a claim on a 50 Plus plan, they should contact us as soon as possible, to help make sure we can pay the claim quickly.

We'll make things as easy and straightforward as possible for you and guide you through the process.

Making a 50 Plus claim

Policies under a year old

Please contact us on 0845 640 5273.
Lines are open: 9am - 5pm Monday to Friday
For Textphone call 18001 0845 640 5273
Write to us at:
Health Claims
LV=
Pynes Hill House
Rydon Lane
Exeter
EX2 5SP
Email us at: healthclaims@lv.com

Policies over a year old

If you're claiming as a spouse/civil partner, trustee or executor, or son/daughter of the deceased you can download our claims notification form.
Call our Claims Department on 0845 605 8681.
Lines are open: 9am - 5pm, Monday to Friday.
For Textphone call 18001 0845 605 8681
We may record and/or monitor your calls for training and audit purposes.
If you're calling from overseas you can contact our UK based claims team on +44 1392 366 685.

For policies which have been assigned to Dignity

Please contact Dignity on 0800 387 717 and one of their friendly staff members will help you with the next steps.

Frequently asked claims questions

What do I do first?

The person making the claim can either download the claims notification form or contact us directly. One of our claims advisers will then help to guide you through the process.

What's your response time to enquiries?

We do our best to respond to any enquiries within three days.

Will my claims payment be tax-free?

The monies we pay to the claimant will be tax free. However, unless the policy was assigned to a third party, the payment will form part of the deceased’s estate, and the estate may be liable for inheritance tax.

Does the above still apply if I pay the higher rate of income tax?

Yes.

Does an original death certificate have to be sent in?

Yes, for every death claim we'd prefer to get an original certificate. If this proves difficult we can accept a Standard Verification Form completed by a solicitor.

How long does it take to get payment?

Once we've received all the required paperwork, we’ll arrange payment as per the claims form either direct to the nominated bank account or cheque within 3 working days.

When will you pay my claim?

After 12 months you’re fully covered if the policyholder dies, whatever the cause is, providing the premiums are paid up to the date of death.

When won't you pay the claim?

In the first 12 months - We won’t pay the full amount if the policyholder dies, unless it’s as a result of an accident. Death must also occur within 90 days of the accident. Some accidents are excluded and you’ll find full details in the plan conditions, section A1. If death occurs from a cause other than an accident in the first 12 months we’ll return the amount paid in premiums. We won’t pay a claim if we find out that it’s fraudulent. For example, the insured person hasn’t really died.

How long after a death should you be told?

Your family should let us know as soon as possible. The sooner that they tell us, the sooner we can start work on your claim and, as long as it’s covered by the plan, pay them.

What about policies that are assigned to Dignity?

In the first instance you need to contact them on 0800 387717. Dignity will then arrange for the next of kin to contact us. We’ll need to see the death certificate which will be returned. Once we’ve received all the relevant documentation we’ll settle Dignity’s invoice directly to them.