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

Personal Sick Pay

Apply online or over the phone

We want to make it as easy as possible for you to recommend LV= to your clients. LV= Personal Sick pay uses the Flexible Protection Plan quote and apply engine which means you can benefit from:

  • 10% extra LAUTRO commission
  • underwriting rules engine with instant decision capability
  • tele-interviewing service
  • bolt on additional life insurance or critical illness for more protection

Online underwriting

If you choose to complete the full online application form, we will collect as much medical information as we can which might affect your client's policy. Using a complex rules engine we can provide an instant decision.

Some situations will still need to go to an underwriter. For example if the condition is unusual or if there's 'free text' which needs a human to understand.

Tele-interviewing service

So you can take advantage of our tele-interview service, where our UK-based team can complete the medical and risk assessment part of the application process for you. This saves you time and means we’re responsible for getting disclosure from your client, removing the worry from you as an adviser. We’ll also arrange an exact time with your client to conduct the application – we won’t give them a two-hour window and expect them to sit and wait for our call. And to ensure you’re always in the loop, we’ll keep you updated during the application process, every step of the way.

Part of a menu

Personal Sick Pay is part of the LV Flexible Protection Plan which also includes our Life with Critical illness cover and life insurance, helping you recommend the ultimate protection for your clients. In fact, we’re the only provider to offer specialist income protection as part of a menu.

This means that your client has only one Direct Debit to worry about. And as the name suggests, they can change their cover without tasking a new policy. Speak to your account manager for more information.

Speak to our adviser support team for more information.

0800 678 1890

TextDirect: 18001 0800 678 1890

9am - 5.30pm Monday - Friday

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


Quick quote calculator


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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

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