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Can I change my life insurance cover?

A family with LV= Life Insurance pitching a tent with a green heart


If you wish to change the amount of Life Insurance cover, the end date of your plan, or change the type of cover you have, you’ll need to apply for a new plan.

We understand that when times are hard, you might be finding it difficult to keep paying your premiums. If this happens, please let us know, as we may be able to reduce your amount of cover, or shorten the term of your plan for you. This means your premium will be lower.

Of course it’s important to realise that if you reduce your amount of cover, or shorten the term, and you wish to increase them again in the future, you’ll have to apply for a new plan. See our tips for taking out Life Insurance.

Back to Life Insurance policy changes

Our life insurance application is quick and easy

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 about life cover

Why choose LV=

An insurance provider you can trust established in 1843.

  • 97% of claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents


From what's covered, ways to get set up or even how to claim, our library of FAQs can help.

View our Life Insurance FAQs