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Great reasons to choose LV=

Capital guarantee option

We guarantee that the value of your investment at the end of your selected guarantee term will be at least the same as the value of your investment on the date you added it, less any money paid out since the guarantee was added.

The optional guarantee can be bought when the bond is taken out, or at any time afterwards. We also offer a range of guarantee terms to help you tailor the guarantee more closely to your clients’ investment goals.

Flexibility to change fund options

Your client can change their fund option at any time. We’ll usually do this for free, but if your client changes their fund option regularly, we’ll apply a charge for this.


To help protect your clients’ investment we use a unique, straightforward mechanism designed to limit market volatility.

We're financially strong and stable

We began in 1843 and our success over the last 170 years has been down to a number of things; our desire to deliver value for our members and the different and distinctive way we do business. Our aim is to offer great value, be easy to do business with, and have a caring approach.

We have a B+ (very strong) Overall Financial Strength rating (Source: AKG Consulting, Company Profile & Financial Strength Report, December 2017).

Cazalet Consulting have also rated our with-profits fund 10/10 for financial strength, investment freedom & flexibility and bonus-paying ability (Cazalet With Profit Ratings July 2014).

We're a mutual, not a PLC

As a mutual, we don't have to answer to external shareholders - so we can concentrate on looking after you and your clients.

Membership rights

When your client takes out a Flexible Guarantee Bond Series 3, they become LV= members. This entitles them to benefits including:

  • A say in our annual general meetings(once they've had a policy for 12 months)
  • discounts on our car, home, pet and travel insurance products
  • free member care line on health and medical matters, counselling and legal issues

More on membership benefits

0800 681 6292

TextDirect: first dial 18001

09:00am - 17:00pm Monday - Friday

We may record and/or monitor calls for training and audit purposes.




Read more about the current performance and asset allocation of our Flexible Guarantee Bond.

More about performance

Fund options

Fund options

Find out about our three 'ready-made' fund options managed by a team of investment experts.

View the three fund options

Membership rights

Membership rights

Taking out a Flexible Guarantee Bond Series 3 entitles your client to membership rights.

More about membership rights

Contact us

Contact us

Read more about where we're based and all of our contact information.

Contact our retirement specialists

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