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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

Critical Illness claims we paid in 2015

We pride ourselves on the amount of claims we pay. We want to pay claims and be there for you when you really need us.

See below for our claims statistics for 2015


Total claims paid


Total amount of claims paid out


Average payout per policy holder


Average age of female customer at claim


Average age of male customer at claim


Youngest customer at claim (excluding child)

Main causes for the claims paid in 2015

Pie chart showing main causes of claims paid in 2015
lime square

Cancer 59%

Light green square

Heart attack 11%

Forest green sqaure

Other heart conditions 5%

Aquamarine square

Stroke 5%

Deep blue square

Total permanent disability 4%

Grey square

Multiple sclerosis 4%

Sometimes claims have to be declined. Below are the reasons for declining claims in 2015.

Reasons for declining a claim



Not meeting the claim definition **


Total declined claims


* An example of misrepresentation would be a customer applies for a critical illness policy and declares on the application form that he is a non-smoker. Following a claim for cancer, we find that his medical records show that he was a heavy smoker before and after the policy started. When we ask him why he stated that he was a non-smoker, he fails to offer any reasonable explanation. In these circumstances it’s reasonable that the customer must have known he was smoker and that he knew he should have told us he was a smoker in his application.

** An example of a critical illness claim that doesn’t meet the definition would be when a customer makes a claim believing they’ve suffered a heart attack, but their medical expert tells us that they actually have angina and did not suffer a heart attack.

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

Get advice

Speak to one of our advisers who can make sure you have the right cover for your needs.

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