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LV= Personal Sick Pay, tailored income protection designed for riskier occupations

Personal Sick Pay


Our Personal Sick Pay product has a number of options to suit your client needs as shown below.

Level cover

  1. The amount of cover is fixed and won't change.
  2. It won't keep up with inflation and will buy less in the future.

Inflation-linked cover

  1. The amount of cover will go up in line with inflation, we will then re-calculate the premium to match the new amount of cover.
  2. We use the Retail Prices Index (RPI).

To find out how we can change the prices, read our policy conditions.

Budget personal sick pay

  1. The maximum claim period is 24 months.
  2. Premiums will be cheaper than full Personal Sick Pay.

Waiting periods

  • Day one option for clients who don’t get employer sick pay/without an adequate financial safety net. Pays out when your client is off work for three days in a row.
  • 1, 4, 8, 13, 26 or 52 week options also available.

Price tables

Our Personal Sick Pay offers a choice of guaranteed or reviewable future prices. For a copy of our future prices tables, contact your LV= account manager, call 0800 0324 219 or email [email protected].

Guaranteed future prices

If your client's insurance has guaranteed future prices, then the price they'll pay in the future for each £1 of Personal Sick Pay is guaranteed to go up each year at the rate set out in the Guaranteed Future Price table. If your clients choose guaranteed future prices, the insurance will cost a bit more to begin with, but they'll know exactly what it will cost in the future and we can’t change what is set out in the table.

Reviewable future prices

If your client's insurance has reviewable future prices, then the price they'll pay in the future for each £1 of Personal Sick Pay is guaranteed to go up each year at the rate set out in the Reviewable Future Price table for the first 5 years. After that we’ll review the prices in the table every 5 years and the amounts quoted in the table could change (either up or down) every 5 years.

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Income Protection options...
See how you can scale down the cost to meet your client's budget.

0800 678 1890

TextDirect: first dial 18001

9am - 5.30pm Monday - Friday

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


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Flexible Protection Plan

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

More on Flexible Protection Plan

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Income Protection

Protect your clients' income if they can't work due to long term accident or sickness.

More on Income Protection

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Tools and Support

Outstanding day-to-day support and online services for you and your business.

Visit our Tools and Support

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Claims hub

Visit our claims hub for customer stories, info on how to claim and our claim statistics for the year.

More about our claims hub

Connect with us

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LV=, County Gates, Bournemouth, BH1 2NF, UK