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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 advice

If you're confused about which product is right for you, we can help. Speak to one of our friendly advisers who can make sure you have the right cover. We can offer advice on LV= products only.

Taking care of yourself or your loved ones in the event of death or critical illness is one of the most important things you'll probably ever do. Life insurance is a way to financially protect yourself or your loved ones should you die.


Our advisers will...

  • talk to you about your current circumstances and the reasons for you looking for cover.
  • make sure you're aware of all the options available to you.
  • help you get the right amount of cover, for the right period of time and within your budget.

You could speak to someone...

Laura - an LV= adviser

...like Laura, who first joined LV= in 2003. She has a wealth
of experience within the Financial Services sector and has been a protection adviser since 2010.

A typical review will take about 20 minutes and all advice offered will be followed up in writing.

Areas of cover to consider:

  • Repaying your mortgage if you die or are diagnosed with a serious illness
  • Providing for dependants in the event of your death
  • Providing for your funeral costs in the even of your death

Have you considered some of the major life events that could affect your finances?

What if I can't work because I'm sick or have had an accident?

With very little support from the state it's important to have additional protection in place. Our income protection policy will ensure that you still have some income coming in if you're unable to work because of long-term sickness or an accident. The money paid out is currently tax free and is designed to protect your standard of living.

What if I die unexpectedly?

Our life protection policies will pay out a lump sum to help support your family and repay any debts, like your mortgage, if you die during the term of cover. We may also pay out if you're diagnosed with a terminal illness. (Certain restrictions apply). Payment from these types of policy will normally go to your estate, which may be subject to Inheritance Tax. Inheritance Tax could apply to the part of your estate that is worth more than £325,000 for tax years 2016/2017 to 2017/2018.

What if I'm buying a new home?

With our full range of protection options we can help ensure that you and your family are protected financially in your new home.

What if I'm having a baby?

We all know how much children change our lives, so at a time like this it's more important than ever to make sure that they're financially secure should the worst happen to you. We're able to work out how much cover you and your family would need if you died or were unable to work because of an accident or ill health.

What if I become critically ill?

Our critical illness policies can make sure that you receive a lump sum if you're diagnosed with one of the covered serious illnesses or conditions and survive for at least 14 days. The money can be used to repay a mortgage or other debts or to make alterations to your home to help you and your family adjust. We only cover the 63 critical illnesses defined in our Policy Conditions, and no others.

Our life with critical illness application is quick and easy

A customer story

Paul shares his experience with us.

Image of Paul

Children's critical illness cover

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

Image of Nicola and Jeremy

You can also phone

Call our UK-based advisers for more information or a quote:

Green phone

0800 756 8515
Quoting offer code IELO

9am - 5pm Monday to Friday

For existing customers

Green phone

0800 678 1906
8.30am - 6.30pm Monday - Friday

TextDirect first dial 18001

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

We offer advice on LV= products only.

If you need cover for total permanent disability you will need to call our advisers. This cover is not available if you apply online.

Existing customer?

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 2015
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents

Need to make a claim?

Contact one of our experienced claims advisers to guide you through the process.

How to make a claim