Investment, protection and retirement specialist LV= has launched the latest edition of Fuel for Life*, focusing on the growing importance of protection conversations at the point of remortgaging as market conditions drive increased demand for advice.
In addition, insights from LV’s Reaching Resilience Report** reinforces the scale of the opportunity. While remortgage presents a natural checkpoint to revisit cover, only 5% of customers said they had reviewed their protection when remortgaging. More broadly, 43% of working people report having no protection in place, and one in four customers who received mortgage advice do not recall discussing protection.
With many fixed-rate mortgages maturing over the next 12–24 months* amid ongoing market uncertainty, Fuel for Life highlights the key role advisers play in reviewing protection at remortgage. With remortgaging activity expected to rise by around 10% this year*, it positions this as a critical opportunity to reassess cover as client needs and circumstances evolve.
Drawing on insights from internal and external experts, the most recent edition of Fuel for Life explores the evolving protection landscape, the challenges advisers may face in 2026, and practical strategies for improving client engagement at key moments such as remortgage.
It also examines a notable trend of fewer clients proactively seeking adviser support, and outlines strategies for re-engagement, alongside the role of technology, market insight and client understanding in delivering effective advice.
Marcus Primhak, LV= National Account Manager, said:
“Remortgaging represents a natural checkpoint to revisit protection needs. Given the volume of mortgages set to come off fixed rates this year, alongside wider economic pressures, there is a clear opportunity for advisers to support clients and ensure their cover remains fit for purpose.”
Designed to support advisers with practical, actionable insight, Fuel for Life aims to build confidence when navigating complex client conversations and demonstrate the value of protection within the advice journey.
Notes to Editors
- * LV= Fuel for Life – issue 9 - lvadviser.com/service/documentlibrary/get/0EAE75B2-86B7-44FA-B026-FEC0A4D57433/fuel-for-life.
- **For more information on the Reaching Resilience report or LV’s protection solutions, please visit LV’s Adviser Centre.
- **The data used in our Reaching Resilience research is from a survey of 2,567 nationally representative UK workers conducted for LV= by Opinium between 28 October 2025 and 7 November 2025.
For further information please contact:
- Contact our press office
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About LV=:
LV= is one of the UK’s leading life and pensions mutual insurers, serving over one million members and customers. As an investment, protection and retirement specialist, LV= offers a range of products, services and advice to help members and customers protect their income while they’re working and maximise it when they stop.
LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited (LVFS) and LV= and LV= Liverpool Victoria are trading styles of the LV= Group of Companies. Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 110035. Registered address: County Gates, Bournemouth, BH1 2NF.
