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Helping you identify the types of clients our ISA is suitable for

Our ISA will be well suited to certain types of clients, for example:

  • 30 to 70 year olds with lump sums to invest.
  • More cautious investors, with a 'very low' to 'low medium' risk profile.
  • Nearing, at, or in retirement with a decreasing capacity for loss.
  • Clients who prefer not to put their capital at risk or those who are uncomfortable with the possibility of losing money on their investments.
  • Clients who have built up substantial ISA portfolios over time.
  • Investors who will want to optimise growth potential, whilst reducing risk.
  • Clients looking for a low volatility investor experience that delivers a smoother investment journey.
Client profile guide

This guide will help you identify the types of clients and situations in which we think our ISA is particularly appropriate – as well as those where it’s not.

Suitability letter builder

In giving your clients advice, you will have carefully considered their personal and financial circumstances, financial needs, priorities and risk profile. These factors will determine what recommendations you make.

We have provided the following paragraphs to help you create suitability letters for your clients. Suitability letters must be personalised and specific to individual clients. These paragraphs are designed to help you substantiate your recommendation of the LV= ISA. They are not intended to form the whole of the suitability letter.

Please note that, before using these paragraphs, or similar text, you must ensure compliance from your own compliance department to use these paragraphs, and with the appropriate regulations. Whilst every care has been taken to ensure the accuracy of this information, LV= cannot accept liability resulting from its use.

These paragraphs are suitable for UK residents only.

 

A good suitability letter is:

  • your opportunity to justify and reinforce the reasons for your advice and recommendation
  • an excellent opportunity to document unmet and future needs and the importance of on-going review discussions
  • your record of the discussions held and the recommendations made/not made and why.

It should be clear, fair and not misleading. It should be personal, explain the reasons why a recommendation has been made and how it meets the customers’ needs and objectives. It should highlight any risks involved.

We’ve produced a range of template paragraphs that are designed to describe generic features of each type of policy, as well as the specific benefits of our own products. You can use and adapt these paragraphs to help construct your own Suitability Letters.

LV= has taken care to ensure the accuracy of the information at the time of issue but does not accept liability resulting from your use of it.


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
Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK