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

Personal Sick Pay

About our suitability letter tool

We know it’s important for you to explain to your clients why you’re recommending Personal Sick Pay to them. So to help, we've produced a set of standard paragraphs, which you are free to use.

The paragraphs explain how Personal Sick Pay works and some of the options available. And the paragraphs reflect the terms and conditions that apply at the application process. If your client’s personal circumstances change after they apply, they’ll also need to be aware of the policy terms that affect them when they make a claim.

The paragraphs below can be used to produce your suitability letter, although you should check with your own compliance department before using them. LV= has taken every care to ensure the accuracy of these paragraphs, although you’re responsible for ensuring they’re used to accurately reflect the advice and recommendations you've made to your clients.

Suitability letter builder


0800 678 1890

TextDirect: first dial 18001

9am - 5.30pm Monday - Friday

We may 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?

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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.

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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.

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