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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 choose LV= for your Life Insurance with critical illness?

With many different life and critical illness cover products on the market, here are some great reasons to place your trust with LV= for your life protection needs.

Award-winning service

LifeSearch Protection Awards 2016

LifeSearch awards 2016 logo

LifeSearch are a firm of Financial Advisers. These awards are voted for by LifeSearch themselves, not a panel of judges, which means it's a true reflection of LifeSearch's experience with the provider. We won the following categories:

  • Best Income Protection Provider
  • Best Service for New Customers
  • Best Sales Material

Moneywise Customer Service Awards 2016

Moneywise 2016 award logo

We won the following award:

  • Most Trusted Life Insurer

Gold Standard Awards 2015

Gold Standard Awards 2015

Only those companies who, in the opinion of a panel of judges, can prove they go above and beyond standard requirements will be considered for a Gold Standard award. It's the sixth year in a row we've received a Gold Standard award for:

  • Protection

Financial Adviser Service Awards 2015

Financial Adviser Service Awards 2015

These are considered to be the benchmark for service standards within the retail finance marketplace and the 'Five Star' award is one of the most sought after in the industry as it's voted for by advisers. For the fourth year in a row we have been awarded for:

  • Life & Pensions

10 Good reasons to choose LV= for your life and critical illness cover

1. We paid 91% of critical illness claims in 2015

Th total value of claims paid was £14.2m. We pay claims and we pay them quickly with our easy claims process.

2. On average, we pay critical illness claims within six weeks of first...


Most of this time is spent waiting for medical reports.

3. Award winning service - Most recommended and trusted insurer

UK's most recommended and most trusted insurance company:

  • We keep our promise, that's something that we're really proud of at LV= and that's why we're the UK's most recommended insurer, according to YouGov.
  • We've also won the Moneywise award 2016, 2015 and 2013 for the most trusted insurer, as voted for by real consumers - a trust earned by consistently providing good service and competitive products.
YouGov - most recommended insurer
Moneywise logo

4. Critical illnesses covered

We cover 63 critical illnesses, more than most other providers in the market. That's 43 full payment and 20 additional payments.

5. Children's critical illness cover

This is included at no extra cost and provides cover for 62 or our 63 conditions (only excluding cover for Diabetes Mellitus Type 1). Watch our video on Nicola and Jeremy's story.

6. Becoming a member of LV=

Product discounts and free access to legal advice, health advice, and counselling, with our exclusive member benefits.

7. Simple online application

You could complete the application in less than 25 minutes

8. Award-winning

Don't just take our word for it, take a look at the different awards that we have received for the quality and value of our products.

9.We pay one and a half times your cover for neurological illnesses

If you're diagnosed with a specified neurological condition under the age of 45 you’ll receive an enhanced payment of one and a half times your benefit up to a maximum of £200,000 on top of your original cover.

10. We pay double your cover on certain accident related conditions

If you have an accident and suffer one of our specified conditions you'll receive an enhanced payment of double your benefit up to a maximum of £200,000 on top of your original cover.

Our life with critical illness application is quick and easy

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?

LV= Doctor Services

When you take out a new policy with us you will gain access to the LV= Doctor Services, getting the medical advice and treatment you need.

  • Simple to use - one app, three expert medical services.
  • Easy access - to a leading network of 5000+ UK health professionals at your fingertips.
  • No added cost - you won’t pay any consultation fees, or an insurance excess.

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

Need to make a claim?

Contact one of our experienced claims advisers to guide you through the process.

How to make a claim

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