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New, more inclusive critical illness cover for modern families

Life and Critical Illness

Life and Critical Illness at a glance

Our table below shows the key features of our product.


Life and Critical Illness Cover

Waiver of premium

Additional features

    • Children's critical illness cover
    • Member Care Line
    • Business Protection cover
    • Junior Option
    • LV= Doctor Services
    • Cost of diagnosis of Cancer
    • Guaranteed Increase Options
    • Additional Payments
    • Enhanced Payments
    • Total Permanent Disability


Type of payment

Lump sum/s including our additional payment claims

Pays monthly premiums after a waiting period

Waiting period


6 months*

Types of cover




Between five and 50 years

To age 69 or the end of the plan term if earlier

Minimum age attained at entry

17 years

17 years

Maximum age attained at entry

59 years - inflation-linked cover

64 years - level/decreasing cover

59 years

Maximum age attained at end of policy term

69 years - inflation-linked cover

79 years - level/decreasing cover

69 years

Minimum premium

£5 a month

Based on the total plan premium

Premium types

Reviewable or guaranteed


Eligibility criteria

Your client must be a permanent UK resident

Your client must be a permanent UK resident

Number of Critical Illnesses covered

87 (20 of these conditions are covered under 1 additional payment condition – ‘Less advanced cancers’)


Guaranteed increase options (limits apply – please see the policy conditions for full details)

    • An increase in the mortgage as a result of moving home, or home improvements
    • Mortgage extension
    • An increase in rent as a result of moving into a new rental property or as a result of an increase imposed by the landlord
    • Marriage or civil partnership
    • Divorce or dissolution of civil partnership
    • Splitting a joint life policy on separation
    • Birth or legal adoption of a child
    • Their basic salary increases by more than 10%


Other options


*Except where Waiver of premium is added to a LV= Flexible Income Protection or Personal Sick Pay policy. In which case, the Waiver of premium policy will adopt the waiting period the client has chosen for Income Protection or Personal Sick Pay.

If you’re unsure if the product is right for your client, you can speak to your LV= Protection Account Manager or our adviser support team, we’ll be happy to help.

Product profile

A summary of the relevant product information about Life and Critical Illness, in accordance with the Insurance Distribution Directive.

Key documents

Online Services

LV= Doctor Services

LV= Doctor Services gives your client access to six expert medical services in one app

Find out more here

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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

Connect with us

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Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK