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


Our tools and calculators

Whether you’re a protection or retirement specialist, we have a range of online tools to help you set up and build your business.

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How we use personal information. Find out how we use your personal information, and what rights you have by visiting How we use your personal information. This includes who we are, how long we hold information, what we do with it and who we share it with.

Choose a heading below to find out more.



Takes you through the process of setting up a trust, including printing off a completed trust deed.

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Income Shortfall Calculator

Shows how much income your client could lose if they couldn't work and how much of their income they could protect with LV=.

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Split Waiting Period Calculator

Calculate the maximum LV= Income Protection available, through two separate policies.

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Personal Sick Pay Quick Quote

Get a quick quote for our tailored income protection designed for clients with riskier occupations.

Screenshot of the Personal Sick Pay Quick Quote application

Risk Reality Calculator

Help make your protection conversations with clients far more immediate, personal and real.

How the Risk Reality Calculator works

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Tele-interview booking system

Book an appointment online for an initial tele-interview as part of the application process for the Flexible Protection Plan.

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Client video guide to Key Person cover

A jargon-free introduction to help clients understand why cover is important and how they can identify their key people.

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Client video guide to Share & Partnership Protection

A jargon-free introduction to help clients understand why business continuation is important.

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Relevant Life Calculator

This works out the cost savings available to your clients when they take out life cover through a relevant life policy. As well as the amount of cover each person needs.

Screenshot of the Key Person Calculator

Key person Calculator

Losing a key person at any time can really disrupt a business, but even more so when it’s unplanned, or happens suddenly. This calculator uses a key person’s contribution to the profits of the business to calculate the amount of cover they need.

Screenshot of the Key Person calculator

Premium Equalisation Calculator

When setting up protection for shareholding directors or partners, the cost of cover is often shared (or equalised) between them. This calculator quickly works out how to fairly split the total cost of cover between the shareholders or partners, relative to the benefits they stand to gain.

Screenshot of the Premium Equalisation calculator

Business Valuation Calculator

This calculates the potential value of the business by using the average net profits, net assets and a profit multiplier. As well as showing the potential value of each partner/shareholder’s share in the business, which can be used as a guide to the individual sum assured required.

Screenshot of the Business Valuation calculator

Business Risk Calculator

This calculator helps your clients understand the likely risks of health issues affecting key people within the business (individually and as a group), as well as the financial impact each person could have on the business.

Screenshot of the Business Risk calculator


LV= Retirement Pathfinder

LV= Retirement Pathfinder, a free and impartial retirement modelling tool to help you and your clients create, view and analyse different retirement scenarios.

Screenshot of the LV= Retirement Pathfinder client details form.

LV= Retirement Hopscotch

Hopscotch helps structure retirement income, helping you to make the choices with your clients to meet their needs.

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Fund Analysis

In depth fund information and the ability to rank and compare funds.

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LV= Marketing Centre

At LV=, we understand that you may not have the time or resource to target clients with effective marketing messages. The LV= Marketing Centre has been developed by marketing professionals to give you the tools you need to get the results you want.

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Protect what your client loves

We have a range of protection products to give your client a well-rounded portfolio.

View our protection products

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Supporting your client's retirement

Our retirement plans provide flexibility for your clients' needs now and in the future.

View our retirement products

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Flexible Guarantee Bond Series 3

Potential for capital growth over the longer term with ongoing flexibility and guarantee options.

More on the Flexible Guarantee Bond Series 3

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Find out more about the awards we've won for the products and the service we provide.

Find out more about the awards we've won

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