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IP too expensive?
How to scale down the cost to meet your client's budget

Income Protection

At LV= we believe everyone should be supported if they are ill and unable to work, with quality financial protection that pays out when it matters. The cover pays an ongoing, regular benefit, helping minimise the cost and impact ill-health can have on clients (and their families). It covers your client against all eventualities and includes a number of special features at no extra cost.

Cover features

Important information

  • There is no cash in value at any time.
  • If your client stops paying their premiums, their cover may cease.
  • If your client chooses level cover, it won't keep up with inflation and could buy less in the future.
  • With Budget Income Protection, the regular monthly income will be paid for a maximum of 24 months (for any one claim).

Income Protection is included in our Flexible Protection Plan, helping you offer your clients protection specific to their own needs, circumstances and budget. It also includes Life insurance and Critical Illness cover, as well as optional waiver of premium.

Quote and apply supported by intelligent online underwriting and 10% LAUTRO uplift

How to buy

You can quote and apply online here, or through the main adviser comparison services. Whenever you apply online you'll get an extra 10% lautro commission on top of your agreed commission levels. Otherwise you can send us a completed application form in the post.

Find out if your client is eligible

More on the portals we work with

0800 678 1890

TextDirect: first dial 18001

8.30am - 6.30pm Monday - Friday

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

Watch our Income Protection video

Income Protection enhancements video thumbnail

Watch our short video that summarises the exciting changes we've made to our Income Protection product.



Flexible Protection Plan

Why not add Life cover or Critical Illness to your client's plan for a wider protection portfolio?

More about Flexible Protection Plan

A person

Tools and Calculators

Everything you need to support your Income Protection recommendations.

Income Protection tools and support

Medical bag icon

Personal Sick Pay

Income protection for clients in riskier jobs who can be more expensive to insure.

More on Personal Sick Pay

Team of people

Large Case Team

If your client wants cover for more than £5,000 a month, we can offer dedicated support.

More about our Large Case Team

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