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src="/-/life/media/life-images/life-hub/cards/customers-of-advisers-large-card-768x545-1.jpg?h=545&amp;iar=0&amp;w=768&amp;hash=F7666B73F6EFCFA2C68C41B7ED82C391" alt="Multi-generation family spending leisure time in backyard during weekend" width="768" height="545" /></span></div><div class="product-item__info"><p> </p></div></figure><div class="product-item__content"><h2 class="product-item__title"><a id="2C7A01B0EFC74E5AAEFD3AB64313A652-A5A76DA76BE9444C88AAC1F083A2EFFC/clients-of-advisers" href="/clients-of-advisers">Already had some advice?</a></h2><div class="editablediv product-item__copy"><p>If you've spoken to your financial adviser and would like more information on who we are, what we do and why you should choose us, you've come to the right place.</p>
<p>We're trusted by over a million members and customers and we're committed to protecting their futures, families and finances through our investment, protection and retirement planning solutions.</p></div><div class="product-item__footer"><span class="cta cta--primary cta--sm cta--wide cta--icon"><span class="icon icon--rightarrow"><svg focusable="false" width="16" height="9" viewBox="0 0 16 9" style="transform: rotate(-90deg);"><path d="M8,8.4 15.4,1.5 14.5,0.4 8,5.3 1.5,0.4 0.6,1.5" fill="#fff"></path></svg></span><a id="2C7A01B0EFC74E5AAEFD3AB64313A652-CD4556FDD83E423A8B0A0D7A73299622/clients-of-advisers" href="/clients-of-advisers">Find out more about our products and services</a></span></div></div></div></div><div class="product-item product-item--blank"></div></div></div></div></section></div><div class="anchor" data-offset-desktop="0" data-offset-mobile="0" id="mutual"></div><div><section class="module headercta theme-white module--product module-noCurveTop module-noCurveBottom       "><div class="wrapper"><div class="container headercta__container"><div class="head  theme-text-undefined moduleheader"><div class="head__main"><h2 class="label">The mutual difference</h2><p class="title h2">As a mutual, we&rsquo;re run for the benefit of our members. Our aim is for eligible members to share in the success of our business. That&rsquo;s why we&rsquo;ve shared over &pound;500 million in member bonuses since 2011.</p></div></div><span class="cta cta--primary cta--nomargin headercta__cta cta--icon"><span class="icon icon--rightarrow"><svg focusable="false" width="16" height="9" viewBox="0 0 16 9" style="transform: rotate(-90deg);"><path d="M8,8.4 15.4,1.5 14.5,0.4 8,5.3 1.5,0.4 0.6,1.5" fill="#fff"></path></svg></span><a id="D68BACDBDDC04E01999AF3DD6470A2FA-C5841341DD1E43459483CCF34766A24E/members" href="/members">More about the mutual difference</a></span></div></div></section></div><div id="" data-propsId="d0579cdeba744da3858655efbdd8057a" class="react-component" data-name="StoryCards"><div id="react_0HNOLCV5G56K7"><div><section class="module storycards theme-dusty-mint module--product module-noCurveTop module-noCurveBottom       "><div class="wrapper"><div class="container storycards__container"><div class="head  theme-text-null moduleheader"><div class="head__main"><h2 class="label">Why LV=</h2><p class="title h2">Helping people live financially confident lives</p></div></div><div class="storycards__cards"><div class="storycards__cards__top"><div class=" storycards__card storycards--quote"><div class="module storycards__card__inner quote theme-warm-grey quote--themed theme-text-black quote--mini"><div class="container wrapper"><div class="quote__copy"><blockquote cite=""><p class="editableparagraph"><style>
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We understand that ongoing cost of living pressures might be taking its toll. Our cost of living hub is designed to give our members and their loved ones useful information that may help.</p><footer><div class="quote__details"><div><span class="quote__author"><a id="BD242571ACAB40498F74730C5170B483-AE48812DEADC450DB3A374EA593DDC5C/members/cost-of-living" href="/members/cost-of-living">Visit our cost of living hub</a></span><span class="quote__role"></span></div></div></footer></blockquote></div></div></div></div><div class=" storycards__card storycards--video storycards--background storycards--tall"><div class=" theme-text-white  storycards__card__inner"><div class="imagerenderd editableimage"><span class="image box-background  storycards__card__background"><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/life-hub/cards/homepage-story-card-1-546x600-1.jpg?h=600&amp;iar=0&amp;w=546&amp;hash=81602BEF07073CA38AF9A8C5C888EF7A" alt="Garden party with multigenerational family" width="546" height="600" /></span></div><div class=" storycards__card__content-wrapper"><div class=" storycards__card__top-wrapper"><h3 class="label">MEMBERSHIP MATTERS</h3><h4 class=" storycards__card__title">Find out what being a member means including the benefits and support available to you.</h4></div><div class=" storycards__card__bottom-wrapper"><div href="/members" class=" storycards__card__video"><p class="editable"><a id="31F002D5438D44DC8FD91E5CA10D5139-8E165AF68B6A442084F0AEAB832F514C/members" href="/members">More on LV= membership</a></p></div></div></div></div></div><div class=" storycards__card storycards--video storycards--background storycards--tall"><div class=" theme-clover theme-text-white  storycards__card__inner"><div class="imagerenderd editableimage"><span class="image box-background  storycards__card__background"><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/life-hub/cards/homepage-story-card-2-546x600-1.jpg?h=600&amp;iar=0&amp;w=546&amp;hash=D7DA6DF40BA32EDFD4CE3906AA9EBB60" alt="Jennie Gow sat on a sofa" width="546" height="600" /></span></div><div class=" storycards__card__content-wrapper"><div class=" storycards__card__top-wrapper"><h3 class="label">LV= stories</h3><h4 class=" storycards__card__title">Jennie Gow, Formula 1 broadcaster and stroke survivor shares her story.</h4></div><div class=" storycards__card__bottom-wrapper"><div href="/about-us/news/jennie-gow-interview" class=" storycards__card__video"><p class="editable"><a id="0DECD9B51DD74B81898A775241F29F71-8E165AF68B6A442084F0AEAB832F514C/about-us/news/jennie-gow-interview" href="/about-us/news/jennie-gow-interview">Watch Jennie's story</a></p></div></div></div></div></div><div class=" storycards__card storycards--story storycards--background storycards--cta"><div class=" theme-clover theme-text-white  storycards__card__inner"><div class="imagerenderd editableimage"><span class="image box-background  storycards__card__background"><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/group-images/home-pages/green.png?h=290&amp;iar=0&amp;w=605&amp;hash=0C4AC932AC105126F013B39F0EB2E3E5" alt="" width="605" height="290" /></span></div><div class=" storycards__card__content-wrapper"><div class=" storycards__card__top-wrapper"><h3 class="label">THE BENEFIT OF BEING A MUTUAL</h3><div class="editablediv"><span style="font-size: 22px; line-height: 1.2;">We&rsquo;re owned by our members and our members-first philosophy drives everything we do. It sharpens our focus and we&rsquo;re able to take a broader view as we travel forward.</span></div></div><div class=" storycards__card__bottom-wrapper"></div></div></div></div></div><div class="storycards__cards__bottom"><div class=" storycards__card storycards--image storycards--cta storycards--wide"><div class=" theme-white  storycards__card__inner"><div class=" storycards__card__content-wrapper"><div class=" storycards__card__top-wrapper"><h3 class="label">Awards and recognition</h3><h4 class=" storycards__card__title theme-text-green">Our equity release products are highly rated by Defaqto.&nbsp;</h4></div><div class=" storycards__card__bottom-wrapper"></div></div><div><div class="imagerenderd editableimage"><span class="image  storycards__card__image"><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/life-hub/cards/homepagestorycardaward370x3002.jpg?h=600&amp;iar=0&amp;w=740&amp;hash=6E05C979811A7D873E04E946EB8C4D91" alt="" width="740" height="600" /></span></div><span class="cta cta--secondary"><a id="E204EEA683BD4EF9AD2AE540B8A59451-1147BEC77AFE4E5A9B6BFBBD566116FAhttps://www.lv.com/about-us/our-business#awards" href="https://www.lv.com/about-us/our-business#awards">See our current ratings and awards</a></span></div></div></div></div></div><div class="cta-wrapper"></div></div></div></section></div></div></div>
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Our cost of living hub is designed to give our members and their loved ones useful information that may help.","role":"","link":{"id":"BD242571ACAB40498F74730C5170B483-1099D4C12C1E41CF94FA95EDB5746FC6","rel":"","href":"","label":"","html":""},"source":null,"theme":{"textColour":"black","subHeadingTextColour":null,"themeName":"warm-grey","themeBefore":null,"themeAfter":null,"bottomCurveBefore":null,"topCurveAfter":null,"isFirstOnPage":false},"editButton":""},{"type":"video","backgroundImage":"\u003cimg src=\u0022/-/life/media/life-images/life-hub/cards/homepage-story-card-1-546x600-1.jpg?h=600\u0026amp;iar=0\u0026amp;w=546\u0026amp;hash=81602BEF07073CA38AF9A8C5C888EF7A\u0022 alt=\u0022Garden party with multigenerational family\u0022 width=\u0022546\u0022 height=\u0022600\u0022 /\u003e","backgroundImageSrc":"-/life/media/life-images/life-hub/cards/homepage-story-card-1-546x600-1.jpg?h=600\u0026w=546\u0026hash=7F2696949E2D4D0A557C2379B2C77BCE","label":"MEMBERSHIP MATTERS","heading":"Find out what being a member means including the benefits and support available to you.","video":{"href":"/members","html":"\u003ca id=\u002231F002D5438D44DC8FD91E5CA10D5139-8E165AF68B6A442084F0AEAB832F514C/members\u0022 href=\u0022/members\u0022\u003eMore on LV= membership\u003c/a\u003e","hasIcon":false},"theme":{"textColour":"white","subHeadingTextColour":null,"themeName":null,"themeBefore":null,"themeAfter":null,"bottomCurveBefore":null,"topCurveAfter":null,"isFirstOnPage":false},"editButton":""},{"type":"video","backgroundImage":"\u003cimg src=\u0022/-/life/media/life-images/life-hub/cards/homepage-story-card-2-546x600-1.jpg?h=600\u0026amp;iar=0\u0026amp;w=546\u0026amp;hash=D7DA6DF40BA32EDFD4CE3906AA9EBB60\u0022 alt=\u0022Jennie Gow sat on a sofa\u0022 width=\u0022546\u0022 height=\u0022600\u0022 /\u003e","backgroundImageSrc":"-/life/media/life-images/life-hub/cards/homepage-story-card-2-546x600-1.jpg?h=600\u0026w=546\u0026hash=6A4C37A28CF7035A1DD072166401890D","label":"LV= stories","heading":"Jennie Gow, Formula 1 broadcaster and stroke survivor shares her story.","video":{"href":"/about-us/news/jennie-gow-interview","html":"\u003ca id=\u00220DECD9B51DD74B81898A775241F29F71-8E165AF68B6A442084F0AEAB832F514C/about-us/news/jennie-gow-interview\u0022 href=\u0022/about-us/news/jennie-gow-interview\u0022\u003eWatch Jennie\u0027s story\u003c/a\u003e","hasIcon":false},"theme":{"textColour":"white","subHeadingTextColour":null,"themeName":"clover","themeBefore":null,"themeAfter":null,"bottomCurveBefore":null,"topCurveAfter":null,"isFirstOnPage":false},"editButton":""},{"type":"story","heading":"","label":"THE BENEFIT OF BEING A MUTUAL","content":"\u003cspan style=\u0022font-size: 22px; line-height: 1.2;\u0022\u003eWe\u0026rsquo;re owned by our members and our members-first philosophy drives everything we do. 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<div id="" data-propsId="a881b0871c074805ad5fe0f9f9db69e4" class="react-component" data-name="CaseStudyCarousel"><div id="react_0HNOLCV5G56K8"><div><section class="module casestudy-carousel theme-white module--product module-noCurveTop module-noCurveBottom       "><div class="wrapper"><div class="container casestudy-carousel__container"><div class="head align-center theme-text-undefined moduleheader"><div class="head__main"><p class="title h2">What matters to you, matters to us</p></div></div><div class="carousel carousel--3up "><div><div class="slider slider--"><div class="slider__cell last"><article class="casestudy-preview"><figure class="casestudy-preview__image"><div class="imagerenderd editableimage"><span class="image "><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/awards/2019/2019-cfs-co2-neutral-2.png?h=324&amp;iar=0&amp;w=600&amp;hash=513A6E43BC03C1B98344F41CD6095FBB" alt="Carbon neutral image" width="600" height="324" /></span></div></figure><div class="casestudy-preview__body"><h4 class="casestudy-preview__title">Our operations are carbon negative</h4><p class="editableparagraph">This means that we’ve calculated our carbon emissions and offset 110% of our total emissions which has supported worthwhile projects.</p><div class="arrowlink undefined links"><span class="icon icon--rightarrow"><svg fetchPriority="auto" loading="lazy" decoding="async" focusable="false" width="16" height="9" viewBox="0 0 16 9" style="transform:rotate(-90deg)"><path d="M8,8.4 15.4,1.5 14.5,0.4 8,5.3 1.5,0.4 0.6,1.5" fill="#04589b"></path></svg></span><div class="arrowlink__link-container"><span class="arrowlink__link"><a id="7EACC4684D504030AD9D819F8BED7D00-72F54FD2FBA840C686F57C51786746A3/about-us/lv-cares" href="/about-us/lv-cares">Read our sustainability report</a></span></div></div></div></article></div><div class="slider__cell last"><article class="casestudy-preview"><figure class="casestudy-preview__image"><div class="imagerenderd editableimage"><span class="image "><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/life-hub/cards/online-security-carousel-400x236-1.jpg?h=236&amp;iar=0&amp;w=400&amp;hash=0802090360D00172C5F70BF60EAD234B" alt="Older woman looking mournfully out of a window. " width="400" height="236" /></span></div></figure><div class="casestudy-preview__body"><h4 class="casestudy-preview__title">Protect yourself online</h4><p class="editableparagraph">With scams on the rise make sure you know who you are dealing with.  Keeping you safe online is something we take very seriously.</p><div class="arrowlink undefined links"><span class="icon icon--rightarrow"><svg fetchPriority="auto" loading="lazy" decoding="async" focusable="false" width="16" height="9" viewBox="0 0 16 9" style="transform:rotate(-90deg)"><path d="M8,8.4 15.4,1.5 14.5,0.4 8,5.3 1.5,0.4 0.6,1.5" fill="#04589b"></path></svg></span><div class="arrowlink__link-container"><span class="arrowlink__link"><a id="E2B825540DD84D789AB46F0D09A8703B-72F54FD2FBA840C686F57C51786746A3/online-security" href="/online-security">More on online security</a></span></div></div></div></article></div><div class="slider__cell last"><article class="casestudy-preview"><figure class="casestudy-preview__image"><div class="imagerenderd editableimage"><span class="image "><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/life-hub/cards/diversity-and-inclusion-carousel-400x236.jpg?h=236&amp;iar=0&amp;w=400&amp;hash=74DAD073C2F3DE7AC96F0737F37201F1" alt="Line up of diverse individuals joining hands" width="400" height="236" /></span></div></figure><div class="casestudy-preview__body"><h4 class="casestudy-preview__title">Diversity and Inclusion</h4><p class="editableparagraph">We are committed to creating an inclusive culture where all colleagues feel welcomed, respected, supported and valued.&#160;</p><div class="arrowlink undefined links"><span class="icon icon--rightarrow"><svg fetchPriority="auto" loading="lazy" decoding="async" focusable="false" width="16" height="9" viewBox="0 0 16 9" style="transform:rotate(-90deg)"><path d="M8,8.4 15.4,1.5 14.5,0.4 8,5.3 1.5,0.4 0.6,1.5" fill="#04589b"></path></svg></span><div class="arrowlink__link-container"><span class="arrowlink__link"><a id="B891661FD8A54E7AB68A0CDDAC6DCE27-72F54FD2FBA840C686F57C51786746A3/about-us/lv-cares/diversity-and-inclusion" href="/about-us/lv-cares/diversity-and-inclusion">LV= Diversity, equity, inclusion and wellbeing</a></span></div></div></div></article></div></div><div class="slider__controls slider__controls--center"><ul><li class="slider__controls__prev">Prev</li><li class="slider__controls__next">Next</li></ul></div></div></div></div></div></section></div></div></div>
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<div id="" data-propsId="360646718ad64ec59cacff90343ef872" class="react-component" data-name="PopularArticles"><div id="react_0HNOLCV5G56K9"><div><section class="module popularArticles theme-warm-grey module--product module-noCurveTop module-noCurveBottom     popularArticles--hasBg  "><div class="wrapper"><div class="container popularArticles__container"><div class="section-head sectiontitle"><h2 class="section-head__title">Check out our magazine for handy articles and inspiring stories</h2><div class="imagerenderd editableimage"><span class="image section-head__icon"><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/icons/generic-site-wide/heart-group-40x40.svg?h=40&amp;iar=0&amp;w=40&amp;hash=807FB9D746605E6C6A6B2C4B8F2351DF" alt="Green hearts" width="40" height="40" /></span></div></div><div class="carousel carousel--3up  pa-grid-enabled"><div><div class="slider slider-- popular-articles"><div class="slider__cell last"><article class="article  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article__readtime"><span class="icon icon--clock"><svg fetchPriority="auto" loading="lazy" decoding="async" focusable="false" width="16" height="16" viewBox="0 0 16 16"><path d="M7.7,15.1c-4.1,0-7.4-3.3-7.4-7.4s3.3-7.4,7.4-7.4s7.4,3.3,7.4,7.4S11.8,15.1,7.7,15.1z M7.7,13.6c3.3,0,5.9-2.6,5.9-5.9s-2.6-5.9-5.9-5.9S1.8,4.4,1.8,7.7S4.4,13.6,7.7,13.6z M8.3,8.1l2.3,1.1c0.4,0.2,0.5,0.6,0.3,1 c-0.2,0.4-0.6,0.5-1,0.3L7.2,9.2C7,9.1,6.8,8.8,6.8,8.5v-4c0-0.4,0.3-0.8,0.8-0.8s0.8,0.3,0.8,0.8V8.1z"></path></svg></span><span class="editable">7 minutes</span></span></footer></div></div></article></div><div class="slider__cell last"><article class="article  articlepreview"><div class="article__wrapper"><figure class="article__media"><span class="image "><img fetchPriority="auto" loading="lazy" decoding="async"  src="/-/life/media/life-images/articles/how-much-into-pension-564x356.jpg?h=356&amp;iar=0&amp;w=564&amp;hash=C50CB2D68E0A6927A9C71E05D1D7F203" alt="Grandad with adult son and granddaughter sitting 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