Life Insurance
Thinking about how you'd protect you and your loved ones?
Get a £75 gift voucher when you buy life cover online
After you’ve paid your 12th premium, terms and conditions apply*
Existing Life Insurance customers
Do you need to make a claim, or change something on your policy?
why choose lv=
So, here's what you need to know about our Life Insurance
- Cover starts from as little as £5 per month
- Terminal illness cover is included at no extra cost
- We paid out for 95% of Life Insurance claims in 2017
life insurance Cover features
We know it's a tough topic, but here's what we'll do to make it a little easier
- Pays out a cash lump sum if you die within the plan term
- Gives you the flexibility to choose the amount of cover you need and for how long
- Guarantees that your premiums won't change in the future unless you change your cover
- Gives you access to our LV= member benefits and LV= Doctor Services at no extra cost
- You may be able to increase your cover after specific life events without medical evidence
- What you pay depends on your personal circumstances such as your age and whether you smoke
Please read the policy summary to help you understand the full features of this product.
Important information
Here’s the need to know info, so you have the full picture
- Available to UK residents aged 17 to 79
- You can choose the length to run between 5-45 years but the policy must end before your 85th birthday
- You can't claim under a terminal illness in the last 12 months of the plan
- If you die, we'll normally pay the lump sum to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2017/18 to 2020/21)
- We won’t pay a claim if you die as a result of intentionally taking your own life within the first 12 months of your policy
- If you stop paying your premiums, you won't get any money back and your cover may stop
- Increase options are available after marriage/civil partnership, divorce, the birth of a child or mortgage increase. Sometimes we won't be able to offer you increase options, subject to guidelines within your policy conditions
your Cover options
When it comes to our life cover, you've got options
You can tailor your policy to suit you and your loved ones
- With level cover, your cover amount stays the same, while decreasing cover reduces over time
- Decide how long you'd like your cover to last
- Choose a single life, or a joint life policy
- Choose how much money you'd like to cover
- Add Critical Illness cover to your policy for extra peace of mind
Critical Illness cover
You can add critical illness cover to your Life Insurance policy for extra peace of mind
Adding Critical Illness cover to your insurance policy gives you:
- Cover for 63 different conditions
- Up to £25,000 children’s critical illness cover at no extra cost
- The ability to choose the amount of cover you need and how long for
Financial Advice
Need advice?
We've chosen to partner with LifeSearch to offer you independent advice on which protection products are right for you.
Mon to Thu - 8am - 8pm Fri 8am - 6pm
For Text Phone first dial 18001
Calls will be recorded and/or monitored for training and audit purposes.
Awards and Recognition
We're pretty proud of our life cover
- Moneywise Customer Service Awards 2013 to 2018
LifeSearch Protection Awards 2018
- Best Overall Provider
- Best Service Team - New Customers
- Gold Standard Award 2016
Frequently asked questions
You must have 100 questions, but let's start with 5
policy documents
A little extra info never hurt anyone, so have a read of our policy documents
You can get this and other documents from us in Braille, large print or audio by contacting us