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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

What are life insurance and critical illness calculations are based on?

When insurers calculate their premiums for life insurance and critical illness cover, they'll look at how long they expect customers to live based on their age, medical history and other factors that are likely to impact their life expectancy and chance of illness.

Premiums will often be higher for older customers and for policies that are taken out for a longer period.

Higher risks

Some groups of people will present a greater risk than others – and so will need to pay higher premiums for their life and critical illness cover, or the insurer may impose an exclusion on their cover.

Looking at life and critical illness cover, higher risk categories include:

  • People working in high risk occupations, such as workers in the oil and gas industries (especially offshore), fishermen, people who work at great heights and those in the armed forces.
  • People who take part in dangerous sports or hobbies, such as flying (except as a fare paying passenger), mountaineering, motor sports and scuba diving.
  • People with a poor medical history or existing medical conditions. Also those people who have a family history of illnesses, are overweight or have high blood pressure.
  • People who smoke, due to the links with some cancers and other serious diseases.

The definition of 'high risk' varies from life insurer to life insurer and not all life insurance companies offer the same sorts of cover. So it's important to check that your policy provides you with the cover you want.

And remember that it’s important to answer all of the questions asked when you apply fully and honestly, because if you don’t, it may mean that your policy may not pay out if you need to claim.

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