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If the worst happens, make sure your clients and their loved ones are protected

Life Protection

If your client were to die, this could leave their surviving dependents such as spouses or children suddenly facing financial hardship.

Our Life Protection policy, part of the Flexible Protection Plan, can help, whether it’s to help pay off a mortgage, help support your client’s children if they go off to university or just make sure that your client's family has money to live on.

Cover features

  • Guaranteed premiums
  • Pays a cash lump sum on death during the term.
  • Terminal Illness cover included at no extra cost
  • Level, increasing or decreasing cover
  • Optional waiver of premium

Important information

  • There is no cash in value at any time
  • If your client stops paying their premiums, their cover may cease
  • If your clients choose level cover, it won't keep up with inflation and could buy less in the future
  • We won't pay a claim if your client dies as a result of intentionally taking their own life in the first 12 months of the policy

Early payments on death claims

To support your client’s family during a bereavement, we’ll offer an optional £10,000 early payment (or pay a smaller amount if they prefer) and will aim to pay the money within 24 hours.

Life Protection forms part of the Flexible Protection Plan and can be applied for on its own or along with critical illness and income protection. This could be cheaper for your client as we’ll offer a small discount when you have more than one cover in the plan.

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

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.

Product profile

A summary of the relevant product information about Life Protection and Waiver of Premium, in accordance with the Insurance Distribution Directive.

0800 678 1890

TextDirect: first dial 18001

9.00am - 4.30pm Monday - Friday

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


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Flexible Protection Plan

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

More about Flexible Protection Plan

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Business Protection

Whether you’re new or experienced, our Business Protection products, tools & calculators will support you.

More about Business Protection

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Critical Illness Cover

We have one of the most comprehensive lists of critical illness conditions on the market.

More about our Critical Illness Cover

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Large Case Team

If your client's Life Protection benefit is £1m or more, we can offer dedicated support from start to finish.

More about our Large Case Team

Connect with us

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