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

Life insurance with critical illness help and FAQs

Preparing for the worst is not something we want to think about when feeling fit and healthy, but you never know what life is going to throw at you. Our life insurance with critical illness cover can offer you and your loved ones some financial protection if you die or become critically ill. Here are some frequently asked questions we've been asked about our life insurance with critical illness cover which you may find helpful before making your decision.

What is Critical Illness cover?

Critical illness insurance will cover you for the length of your policy and you'll receive a one-off cash lump sum if you're diagnosed with one of the 63 critical illnesses we cover - or an additional payment of up to £25,000 if you make a claim against one of our 20 additional payments. These payments are not deducted from your original amount of cover.

This type of insurance is designed to pay off your mortgage and any debts, to pay medical bills or for home modifications, for example, making your home wheelchair accessible by adding ramps if you were to suffer a stroke. It helps you to ensure that your family is provided for if you can't work due to ill health.

Our Critical Illness cover will pay a claim if you're diagnosed with one of the critical illnesses we cover and you survive for 14 days or more after your diagnosis.

Find out more about critical illness cover and the critical illnesses we cover.

How much is critical illness insurance?

The cost of critical illness will depend on your individual circumstances, such as your age and whether you smoke or not. It also depends on how long you'd like your insurance to run for, and the amount of cover you choose.

You can find out how much your life and critical illness insurance will cost by completing our online application.

Will my critical illness claim be paid?

In 2016 we paid a total of £21 million to customer claiming on their critical illness policy. On average, we pay 9 out of every 10 claims, and only decline a claim when it either doesn’t meet the definition outlined in the policy conditions or if the customer has purposely withheld important medical information when they applied for their critical illness policy.

Find out more about the critical illness claims we paid in 2016

Can we get joint cover?

Yes. You and your partner can apply for cover together. The policy will pay out if one of you dies or is diagnosed with a critical illness during the policy term. But joint life cover only pays out once, so once it pays out, the policy ends, and you're no longer covered.

How do you decide how much my premiums will be?

We used a term referred to as underwriting to calculate your premiums. We look at how long we expect you to live based on your age, medical history and other factors that are likely to impact your life expectancy.

Find out more about what insurance calculations are based on

Please note that if you question is specific to your plan and not covered above, you may need to refer to your original plan documents or call one of our trained service advisers.

Our life with critical illness application is quick and easy

LV= Doctor Services

When you take out a new policy with us you will gain access to the LV= Doctor Services, getting the medical advice and treatment you need.

  • Simple to use - one app, three expert medical services.
  • Easy access - to a leading network of 5000+ UK health professionals at your fingertips.
  • No added cost - you won’t pay any consultation fees, or an insurance excess.
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