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Use our multi-award winning Risk Reality Calculator to help with your protection conversations.

Risk Reality Calculator

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The LV= Risk Reality Calculator is a revolutionary tool to get your clients thinking about protecting their most valuable asset, themselves!

As we know from our recent Income Roulette Research, only one in ten (11%) of us have some form of long term financial protection in place - either privately or through our employer, but the chances of needing it may be higher than most people think. To identify the chances of needing financial protection, the LV= Risk Reality Calculator highlights everyday ‘risks’ within seconds, making it very personal and real - swiftly helping people to appreciate the risks they face in life. And as an adviser, you can use your client's risk results to educate and explore the type and level of protection they really need.

So, what exactly is the LV= Risk Reality Calculator?

A simple and powerful online tool to help your clients grasp the importance of financial protection within seconds. All you need to do is enter four personal details about your client and instantly their personalised results will reveal the likelihood of them:

  • being unable to work for two months or more (due to sickness or accident)
  • suffering a serious illness
  • dying
  • and the probability of any of these life events happening before a chosen retirement age.
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Benefits for your client

  • It can educate your clients of the importance of having financial protection in place.
  • It brings reality into perspective by quantifying the risks they face.
  • The personalised risk report helps them to prioritise the cover they feel is more important based on their results.
  • Your clients are much more open to talk about putting a financial back-up plan in place, or reviewing the cover they already have in place.
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Benefits for you

  • Sells the need for protection, without you having to.
  • Makes your protection conversations more personal.
  • Enables you to explore different combinations of cover.
  • Helps you provide evidence around your client’s affordability.
  • Demonstrates your value as an adviser.
  • It’s simple, flexible and easy to adopt.

We’ve estimated that the LV= Risk Reality Calculator has powered at least 100,000 conversations since its launch back in 2013. It’s continues to be really popular with advisers, either being adopted by firms themselves or woven into their own sales systems with one outcome in mind - to ensure the protection conversation happens with every client, every time.

What advisers think about the Risk Reality Calculator...

The LV= Risk Reality Calculator is a really powerful tool to use with customers, it highlights the need for covering all the bases, showing that life insurance should be last on the list - not first, and it does this quickly! It’s simple to use and has an instant impact due to the way the statistics are displayed, I can then talk through what cover is available to protect each individual aspect step by step.

Pink adviser
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Adviser support team: 0800 028 5610

9am - 4.30pm Monday to Friday

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

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Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK