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

Life Protection

Life Protection options

Our Life Protection has a number of options to suit your client needs as shown below.

Level life insurance cover

  • The amount of cover is fixed and won't change
  • It won't keep up with inflation and will buy less in the future
  • Can be used to cover an interest-only mortgage

Decreasing life insurance cover

  • The amount of cover goes down each year, but the premium stays the same
  • Designed to cover a capital and interest repayment mortgage

Inflation-linked life insurance cover

  • The amount of cover goes up (each year) in line with inflation
  • The premium goes up by inflation multiplied by 1.5
  • We use the Retail Prices Index (RPI) to measure inflation

Guaranteed increase options

Your client can increase the amount of their cover and in some cases replace their policy with a new policy without completing a full application, if certain events happen. We call these Guaranteed Increase Options, because we guarantee that your client can change their policy, within certain limits, as long as they are eligible.

You can find out more about Guaranteed Increase Options within our policy conditions.

Types of premiums

Our Life Protection only supports guaranteed premiums. This is explained below.

Guaranteed premiums

  • Your client's premiums are fixed and won't change unless it's inflation-linked

Business protection

Our business protection options allow you to recommend our same quality Life Insurance cover to your business clients, allowing them to protect themselves, their livelihood and their loved ones.

To find our more, visit Business Protection or call our specialist team on 0800 032 3962. Lines are open from 9am to 5.30pm Monday to Friday.

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