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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

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.

Get some advice