We use cookies to give you the best possible experience online. By continuing to use our website, you agree to receiving our cookies on your web browser. Visit our cookie policy page to find out more and how to change your cookie settings.

skip to main content

Life Insurance with Critical Illness

Our life with critical illness cover can pay a lump sum of money if you die or suffer a critical illness

  • With a total of 63 critical illnesses covered, we’re one of the market leaders
  • Up to £25,000 children’s critical illness cover at no extra cost
  • We pay claims quickly – and you can use your money how you want
Man in wheelchair looking down at a dog with a women stroking the dog and green heart in the background

Inflation-linked term life insurance with critical illness

The premiums you pay and the amount of money you’re covered for are designed to increase in-line with the Retail Prices Index (RPI). You’ll receive a lump sum of money if you die or are diagnosed with a specified critical illness within the term of your policy. Our critical illness cover also provides additional payments for less serious conditions which if paid, are not deducted from your total amount of cover.

  • The inflation-linked cover is designed to increase in line with the Retail Prices Index (RPI) to maintain the value of your cover.
  • The amount of cover you choose and the premium you pay will both increase each year in line with inflation.

Please note: Inflation-linked cover can only be purchased over the phone.

Reasons to choose ‘inflation-lined cover’

  • It takes into account inflation and therefore is a good way to make sure that the value of your cover also increases over time in-line with inflation, which may be particularly important if you’re insuring for a longer term.

Reasons for not choosing ‘inflation-linked cover’

  • Inflation-linked term insurance usually costs more than level and decreasing term life insurance.
  • This product is not suitable if you’re looking for a savings or investment product to pay you money at the end of your policy term and you haven’t died.

Our life with critical illness application is quick and easy

Children's critical illness cover

Nicola and Jeremy share their story about their son's illness.

Image of Nicola and Jeremy
Call LifeSearch on:
0800 197 2266

Mon to Thu 8am - 8pm
Fri 8am - 6pm

Existing customer?
0800 678 1906

8.30am - 6.30pm Monday to Friday

Calls may be recorded and/or monitored for training and audit purposes.

LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

More about LifeSearch and your protection needs

Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Find out more

Why choose LV=

An insurance provider you can trust established in 1843.

  • 91% of critical illness claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents

Get advice

LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

Speak to LifeSearch