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

Life Protection

Great reasons to choose LV=

With so many different life insurance products on the market, why should you trust LV= with your life insurance protection needs? The answer is simple.

Great coverage options

Our Life Protection has a number of great options to help tailor your cover.

See the life insurance options

Overseas cover

Unlike some other providers, we don’t place a limit on the amount of time that your client can spend overseas and won’t cancel cover because of this.

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.

Our plan can adapt to your client's changing circumstances

Anything can happen to your client over the course of their plan and our plan can adapt to give them the extra cover they need.

We can increase the cover without medical underwriting if they:

  • get married/enter into a civil partnership
  • get an increase in their basic salary of 10% or more
  • have a baby or legally adopt a child
  • increase their mortgage because they move or improve their home
  • get divorced/dissolution of civil partnership

Please read the policy conditions to understand this in full.

Award-winning service

We're highly recognised for the quality of our products and the service we provide.

More on the awards we've won

Strong claims performance

It’s important to recommend a provider you can trust to pay out when your client really needs it. We’re proud of our claims performance, approving 99%* of Life Protection claims in 2019. The average amount paid for a Life insurance claim was £59,609 (excluding our 50 Plus whole of life product).

*Our Life Insurance figures include claims paid for our Life Insurance, Terminal illness, and whole of life products. Our whole of life products are no longer available.

Full claims breakdown

Expert tele-interviewing service

Our in-house, UK-based team can complete the application process for you, saving you time and making applications hassle-free. They’ll make sure the information collected is accurate, reducing the risk of non-disclosure and taking the worry and responsibility away from you. By using this service you could also avoid long delays with GP Reports so your client could be underwritten and accepted quicker.

More on tele-interviewing

Better underwriting

We know advisers are not usually medical experts so we help out as much as we can. This means you can concentrate on providing the best financial advice for your client.

  • We have competitive levels for automatic GP reports
  • We have no standard exclusions on our Life Protection plans making it straightforward to explain to your client
  • Our online application is powered by a strong, intelligent underwriting rules engine which means that you're more likely to get an instant decision
  • We have flexible medical examination arrangements. If your client needs a medical examination, we could send a nurse to visit them at home or work or use a medical examiner at a convenient location
  • We pay for medical underwriting (except medical certificates such as sick notes)
  • And lastly, we have dedicated underwriting hotline to help iron out any potential issues your client may have

Our underwriting support and contacts

Large Case Team support

For Life Protection cases for cover of £500,000 we’ll offer you a dedicated large case team, who you can rely on to look after your application. They’ll deal with the application from start to finish, and actively chase and review evidence to get the cover in place as quickly and smoothly as possible.

More on the large case team

We're a mutual, not a PLC

As a mutual, we don't have to answer to external shareholders – so we can concentrate on looking after you and your clients.

Member benefits

The advantage of being a mutual means that when your client takes out a Life insurance policy they automatically become a member of LV=. Members have access to a range of member benefits, including:

  • discounts on most LV= general insurance products, such as car and home insurance*
  • a Member Care Line offering medical, counselling and legal telephone advice
  • access to the Member Support Fund (after 12 months) which can offer financial grants
  • the right to vote (after 12 months) in any Annual or Special General Meeting

*LV= car, home, pet and travel insurance is provided by Liverpool Victoria General Insurance Group, a subsidiary of Allianz Holdings Plc.

More on member benefits

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?

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Will it pay?

We're proud of our claims history. Find out how much we paid policyholders in 2019.

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Critical Illness Cover

If your client is looking for Critical Illness cover, we have one of the most comprehensive lists of conditions on the market.

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Membership rights

Taking out a Life Protection Plan entitles your client to membership rights such as discounts on some of the other products we offer.

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