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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

Why get critical illness insurance?

Critical illness insurance is designed to provide a lump sum, which can help to cover any expenses that may arise as a result of being diagnosed with a critical illness. The definition of a critical illness varies between insurance companies. With LV=, a critical illness is a serious illness or condition that is normally survivable, may require continuous treatment, and could result in a diminished ability to work. This might be the loss of a limb or being confined to a wheelchair. See the LV= list of critical illnesses.

Critical illness insurance

As with life insurance, making a will and planning your funeral, it's natural to put off thinking about something you don't want to happen. But also as with life insurance, it makes sense to plan for the future.

A serious illness can have serious effects and critical illness insurance from LV= could help relieve financial pressures and give you and your family peace of mind.

If you suffered with a critical illness and were unable to work, could you then afford to pay your mortgage or make any necessary alterations to your home (such as wheelchair access)? Could you afford to hire in help? Could you afford to repay any bank loans or credit cards? It makes sense to safeguard yourself and your family with critical illness cover.

With LV= Life and Critical Illness insurance, you get:

  • a lump sum on death or when diagnosed with one of the 63 critical illnesses or conditions covered by the critical illness policy and you survive at least 14 days
  • additional payment for 20 conditions - if paid out your full amount of cover will continue
  • level, inflation-linked or decreasing critical illness cover for the policy period (5 to 40 years)
  • choice of single and joint life critical illness cover
  • includes critical illness cover for children (covered for all conditions apart from diabetes mellitus type 1)
  • option to add waiver of premium

Our life with critical illness application is quick and easy

A customer story

Paul shares his experience with us.

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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