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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

How much cover might I need?

Consider how you would support your family or pay the bills if something happened to you, and whether life insurance could help you.

The answer to this question will vary depending on your personal and financial circumstances. The key consideration regarding life insurance is how your regular outgoings will be maintained if you die. And if there are any other main income earners in your family, the same life insurance consideration could apply to them too.

When you do your calculations, remember that any income could be devalued over time, so allow for inflation.

As with all insurance, life insurance is based on risk – and the hope that ‘it won't happen to me'. But if it does…?

Add up your monthly outgoings

How much does it cost to run your household every month? Add up your household costs – such as mortgage, council tax, heating, power and water bills, travel costs, and telephone and internet charges.

Add other expenses

If you have any other regular expenses, such as loan repayments and credit card bills, add these to your total outgoings.

Consider any existing life insurance cover

Do you have any existing insurance, income or benefits that will pay out if you die? For example, you may have death in service insurance.

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

Do you need help?

Call LifeSearch on:

Phone0800 197 2266

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

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.

Enter your details and a LifeSearch adviser will call you back.

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

Existing customer?

Green phone

0800 678 1906
Monday - Friday 8.30am - 6.30pm

TextDirect first dial 18001

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 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