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Comprehensive and quality protection for your clients with our critical illness cover

Critical illness

Children's critical illness cover

No one ever wants to imagine their child becoming critically ill or suffering a serious accident. But sadly, it does happen. Our children’s cover is added to your client’s policy automatically and at no additional cost.

If they don’t have children now, they’ll still be covered if they do have a family in the future.

Main features:

  • 62 conditions and treatments covered
  • 0 day survival period requirement
  • Enhanced claim payments*
  • Covered from birth until their 21st birthday
  • Includes congenital illnesses
  • Payment of up to £25,000 or £50,000 if as a result of an accident*
  • Access to our legal, medical and counselling support line

When a child is diagnosed with a critical illness or has an accident, the parents often have to take time off work, or even leave work, to focus on looking after them. Often this involves daily hospital visits, child care for the other children in the family, or making adaptions to the home or family car, all of this can have a huge emotional and financial impact.

With LV=, all children are covered including step children and legally adopted children. If your client makes a claim, it’s treated the same as an additional payment e.g. the main policy remains in full.

* We have ten specified conditions, where, if the claim is as a result of an accident, we’ll double the payment your client would have received for a normal child claim. This enhanced payment is up to a maximum of £50,000.

Please note children’s cover only pays out on diagnosis of a critical illness and will not pay out if the child dies.


LV= legal and wellbeing line

As soon as your clients policy starts, they’ll have access to the LV= legal and wellbeing line. They can use this anytime throughout their policy and as often as they need. The phone line is open 24 hours a day, 7 days a week.

They can use it if they or a family member, including a child, becomes unwell or is diagnosed with a critical illness, or is recovering from an illness or accident. The nurses and doctors can provide information about a diagnosis, related support groups in their area and about the recovery period. They will also have access to counsellors to support them emotionally through the difficult time.

More about member benefits

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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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FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK