We use cookies to make sure your experience is as good as it can be. If you’re happy with that, just continue using the site. Learn more about cookies.

skip to main content

Our underwriting approach makes the application process easier for you and your clients


Underwriting overview

Underwriting is how we measure the risk of an individual. This is done by asking a variety of risk assessment questions covering lifestyle, medical history, occupation, hobbies and financial circumstances.

We underwrite so we can offer the right terms in relation to the risk. Our philosophy is to offer terms wherever possible through reflexive questioning and without unnecessary medical evidence.

LV= Fastway

Fastway is our quote and apply technology, offering a faster way for you to protect clients. You can use Fastway for ‘personal’ Life Insurance, Life with Critical Illness, Income Protection and Personal Sick Pay (PSP).

Fastway delivers a fast and flexible application journey, making it easier for you to put your clients on risk quicker and giving you an immediate underwriting decision for:

Where terms can't be offered via Fastway, our underwriters will review the case within 4 hours and we’ll then update you on the next steps.

As we now capture your clients consent to request a medical report as part of our online application, if we need a doctor’s report to help us underwrite your clients application then we can request that immediately.

Once we have all the information we need, we’ll let you know as soon as possible.

Specialist Teams

  • Business Protection

  • All cases you send to us are important, but we understand Business Protection requires specialist support. Our team is made up of senior underwriters and policy administrators to support all your Business Protection cases.

  • Large Case Team

  • Our experienced large case team is here to manage your high-value clients, from start to finish. We offer a proactive service, and if there are restrictions along the way, we'll do our best to find a positive outcome for you and your clients. Find out more about how we look after your high-value clients.

0800 678 1893

TextDirect: first dial 18001

9.00am - 4.30pm Monday - Friday

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


Money icon

Will it pay?

We're proud of our claims history. Find out how much we've paid policy holders in 2019.

More about our claims history

Graph icon

Protection toolkit

Let us support your advice with our handy online tools.

Find out more about our Protection Toolkit

Heart icon

Working with LV=

What you can expect when you work with us.

More about Working with LV=

Briefcase icon

Business Protection

Whether you’re new or experienced, our Business Protection products, tools & calculators will support you.

More on Business Protection

Connect with us

Vimeo logoLinkedIn company logoTwitter icon showing a bluebird

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