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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 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
  • LV= Legal & Wellbeing line
  • Business Protection cover


Type of payment

Lump sum/s including our additional payment claims

Pays your plans monthly premiums after a waiting period

Waiting period


6 months*

Types of cover




Between five and 40 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

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



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.

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