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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 for young people

Young, healthy people are more likely to be considered low risk and therefore should pay lower life and critical illness premiums – although extreme sports may raise your premium!

If you're young, you'll hopefully have a long life ahead of you, but the main reason for thinking about life insurance and critical illness applies no matter how old you are, and that is who would lose out financially if you died or became critically ill?

Do I need life and critical illness cover?

Although it's unlikely you have dependants at a young age, there may be other family members that you help to support.

For example, you may:

  • still live with your parents, who are financially dependent on your earnings or have an ageing relative who you help
  • have other loved ones that you want to help
  • have a business to consider
  • have to pay for care
  • have to pay to adapt your accommodation in the event of a critical illness

Also, at the start of your working life, you probably have relatively small savings and only limited pension benefits. Would these be enough to provide for those left behind, especially in times of rising costs?

Premiums from £5 a month

Our policies will pay out a lump sum to help support your family and repay any debts if you die or have one of the 63 critical illnesses covered by our policy during the life and critical illness insurance term.

With most of your working life ahead of you, it's worth thinking about income protection, sickness and accidents. Our income and mortgage payment protection plans can help provide a regular income if you can't work due to accident or sickness – and, when you start thinking about setting up a home, we've protection options for you and your family.

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