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An orchestra of protection

Our Critical Illness cover has more than one string to its bow

Life and Critical Illness

Life and Critical Illness cover options

Our flexible Life and Critical Illness cover has a number of options to suit your client's needs.

Level life insurance cover

  • The amount of cover is fixed at the beginning of policy and doesn't change. The monthly premiums stay the same
  • It may not keep up with inflation and will be worth less in the future

Inflation-linked life insurance cover

  • The amount of cover goes up (each year) in line with inflation. The premium goes up by inflation multiplied by 1.5
  • We use the Retail Price Index (RPI)

Types of premiums

Our Life and Critical Illness cover supports both reviewable and guaranteed premiums. The differences are explained below.

Guaranteed premiums

  • Your client's premiums are fixed and won't change unless they choose inflation-linked cover

Reviewable premiums

  • The premiums won't change for the first five years, after 5 years, premiums could be reviewed annually based on a number of different pricing assumptions
  • After 5 years, premiums could be reviewed annually based on a number of different pricing assumptions
  • Premiums are not guaranteed to remain the same and could go up, down or stay the same

Business Protection

  • Our business protection cover allows you to recommend our same quality Life and Critical Illness cover to your business clients, allowing them to protect themselves, their livelihood and their loved ones.

To find out more about Business Protection, please call your LV= Protection Account Manager, visit Business Protection, or call our specialist team on 0800 032 3962.

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Flexible Protection Plan

Take a look at the other protection products we offer with our Flexible Protection Plan.

View our Flexible Protection Plan

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Business Protection

Whether you’re new or experienced, our Business Protection products, tools & calculators will support you.

More about Business Protection

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Children's cover

No one ever wants to imagine their child becoming critically ill. But sadly, it does happen

More about our children's cover

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Large Case Team

If your client's Life Protection benefit is £1m or more, we can offer dedicated support.

More about our Large Case Team

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LV=, County Gates, Bournemouth, BH1 2NF, UK