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Introducing our new stocks and shares ISA, delivering a smoother investment journey and helping protect your clients' investments from shorter term market volatility. The LV= ISA provides access to a range of three global, risk-rated multi-asset funds, actively managed to our exacting mandate by Columbia Threadneedle Investments.

Five great reasons to invest

  • Choice of three global multi-asset funds - invest in a choice of one of three funds ISA Cautious, ISA Balanced or ISA Growth, managed by Columbia Threadneedle Investments within our governance framework and oversight.
  • Smoothed returns - our unique smoothing mechanism uses a transparent 26 week historic average of the daily fund price, to help reduce the day to day volatility of investments.
  • Risk-rated - all funds are risk-rated by leading market analysts, Defaqto and Distribution Technology. Individual ratings range from 'very low risk' to 'low medium risk'.
  • Capital preservation - our ISA Cautious Fund includes an optional 10-year capital guarantee available to buy on initial and subsequent investments, or on the expiry of a previous guarantee, where a guarantee option is available.
  • Simple on-boarding process - our online quote and apply application with no signature required makes it easy to apply.

Important Information

  • This is a stocks and shares ISA.
  • This is a non-profit plan which invests in our unit-linked ISA funds.
  • Clients will not be eligible to participate in any of our distributions to with-profits policyholders. For example, they will not be eligible to receive a mutual bonus.
  • Clients’ investments may go down as well as up, and they could get back less than invested.
  • Whilst there is no minimum or fixed term, our ISA is designed to provide steady growth for a period of at least five years.
  • Our smoothing mechanism doesn’t mean investments won’t drop in value. Smoothing will not prevent losses in longer term falling markets.
  • If clients select the ISA Cautious Fund and wish to take out a guarantee, they will need to be aware of our associated terms and charges.
  • By investing in the LV= ISA, your client’s investment is 100% protected under the Financial Services Compensation Scheme with no upper limit
  • In exceptional market conditions (when the underlying price is 80% of the averaged/'smoothed' price) the fund will be valued on the underlying price. We also reserve the right to do this at other times.

If you’d like to know more...

or have clients looking to transfer their ISA portfolio, get in touch with your usual Retirement Consultant. Alternatively you can call our Retirement Desk on 0800 085 0250 or email [email protected].

Ready to apply?

Hear the feedback we've had from advisers on the LV= ISA

What’s the best feedback you’ve had on the new LV= ISA?

Connor Williams, Retirement Consultant

The fact that it is actually easier to place business with us in the ISA, because it's a personalised illustration which is two pages long on an online form to get a quote done, and it's a case of scrolling down and doing your application form there and then that's exactly what advisers need.

Louis Marasco, Retirement Consultant

So the best feedback on the ISA so far from our advisers has been the literature we've been able to produce and able to send out to them and the clients when they sign up with an ISA with us.

Connor Williams, Retirement Consultant

I feel like the ISA has given advisers ideas, so not just for being able to de-risk investments going forward now for not your standard stocks and shares ISA, but actually being able to target a cash ISA client at the same time because of the lack of volatility the Smoothed Managed Funds offer. It kind of brings that conversation into the mix now for those cash ISA clients, so why not for a little bit more risk give you the opportunity for equity growth. And that’s gone down massively well with advisers because it gives them an opportunity then to talk to existing clients who they know have got those kind of ISAs.

Aimee Hughes, Retirement Consultant

The best feedback I've had on the LV= ISA is an adviser saying to me that he's got a list of clients that he wants to see.

Richard Humphries, Retirement Consultant

With all of the funds and all these things that are set to come as well in the future.

I think this stands in good stead to keep building fantastic relationships with all of our advisers


Identifying the types of clients the LV= ISA is suitable for

Our ISA will be well suited to certain types of clients. Read more on client suitability and see our client profile guide.

Learn more about client suitability


Performance

Flexible Guarantee Bond

Providing an important element of protection and investment security for client's.

Fund options

Flexible Transitions Account

The easy way to recommend and deliver LV= retirement income products in one place.

Membership rights

Member benefits

Taking out an ISA entitles your client to member benefits, such as discounts on other products.

Contact us

Contact us

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

Connect with us

About retirement

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