Important information
Our tailored support places your client at the heart of our offering – giving them peace of mind when it’s needed most. Here are some important things you should know about our Personal Sick Pay:
We believe everyone should have peace of mind over their income, regardless of their occupation. Some clients in riskier jobs – like tradespeople, nurses and electricians – can be more expensive to insure, and need tailored cover.
Our Personal Sick Pay offers specialist income protection aimed specifically at these clients. It’s built with a number of features with them in mind:
Our tailored support places your client at the heart of our offering – giving them peace of mind when it’s needed most. Here are some important things you should know about our Personal Sick Pay:
Personal Sick Pay forms part of our Flexible Protection Plan – the only menu plan in the market that offers specialist income protection for clients in riskier occupations. Opt to add Life and Critical Illness Cover, Life Insurance or Family Income Benefit to give your client reassurance over their future.
Protect your clients quicker – with our unique quote and apply system, Fastway, you’ll only need one application, set of underwriting and Direct Debit.
We’re here to make your advice stand out. And as a leading specialist in Income Protection, we’re even easier to recommend to your clients. With our range of products that protect your clients’ income, you can tailor your recommendations by age, lifestyle, budget and occupation.
We’re proud to have been awarded Moneyfacts’ Best Income Protection Provider for the fourteenth year running. See more on our awards for our protection and retirement options.
With a range of practical and emotional support, your clients will get the most from their Income Protection, at no extra cost.
We’re here for your clients when they need us most. Your clients and their spouse/partner* have access to 6 expert medical advice services – all accessible in a handy app or by phone, wherever they are:
*Spouse, civil partner or person with whom the policyholder lives with as a partner and at the same address.
**The five sessions limit is split between the policyholder/life assured and partner/spouse.
Your clients get greater value with our Personal Sick Pay. Once they've agreed to become an LV= member, they can get access to exclusive member benefits and additional support services.
We offer a clear and fair approach to paying claims.
We’re proud to have paid 95%* of new protection claims in 2022. A successful claim is as important to your client as it is to you – so your clients get vital financial help when they need it most and you feel confident in the provider you recommended.
* Includes claims already in payment in 2022 for Income Protection and Personal Sick Pay.
With expert underwriting and online quote and apply, we’re committed to supporting the conversations you have with your clients.
Our underwriting measures an individual’s risk – assessing their lifestyle, medical history, occupation, hobbies and financial circumstances. That means we offer the right terms in relation to risk. But we keep it simple – we offer terms wherever possible and without unnecessary medical evidence.
Our quote and apply system – Fastway – makes it quicker to protect clients. It’s a fast and flexible application journey and gives you an immediate underwriting decision.
More on Fastway.
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