We have a selection of online forms to manage your policy details, including:
Alternatively, give us a call:
We have a comprehensive guide on placing your policy into trust and online trust tool:
Knowing your family is financially protected should the worst happen to you can give you the reassurance you need to concentrate on the people who matter most.
Please read through our frequently asked questions to see if we can help in anyway before you decide to cancel.
You may feel that your life insurance is no longer needed if you have paid off your mortgage. However, if you no longer need to protect your mortgage your lump sum claim payment is still valid and can be used to protect your family or pay off any debts or unwanted bills.
We may be able to help if you're worried about the cost of living, are experiencing financial hardship, having trouble paying your bills or looking after your mental health and wellbeing take a look at the below information which we hope will help you at this time.
If you’re struggling to pay your policy premiums we may be able to help you with a payment break whilst keeping your policy in place for you. Contact us or speak to your financial adviser to find out more.
We offer a range of benefits including a Member Support Fund designed for those moments in life when you might need a helping hand. Depending on the product you hold and when you took it out with us you may be entitled to LV= Doctor Services where you can access a qualified professional for any mental health concerns.
Yes, you can now make changes to your policy by filling in our web form. You can ask us to make changes to your amount of cover or the end date of your policy at any time should you have a flexible plan.
If you do wish to make any changes you need to let us know at least six months before the end date of your policy.
If we are able to make the changes, we’ll let you know your new amount of cover and the new amount you’ll need to pay (your premiums) then all you have to do is confirm that you’re happy to go ahead.
Your policy can remain live once you’re divorced but depending on the cover you have you might be able to split your cover. Contact us or speak to your financial adviser to find out more.
Some employers provide death in service benefits which will usually give the employee a tax-free lump sum if they die while they still work for them. In many cases, it is tied to being part of the company pension and the amount paid will depend on the scheme.
However, death in service is not necessarily a replacement for life insurance. Often, it won't provide as much cover needed to provide for your family and it can't be assigned to repay a mortgage.
Something else to consider is that the benefits stop if you change employer, so to maintain cover you'll need to set up a separate policy. Rates for Life Insurance will be more expensive when you get older and future medical conditions can increase this further.
Lastly, with Life Insurance you have more options to fit your needs. For example, you can decide on the cover, term, who the money goes to when you die and take decreasing cover to repay a capital and interest mortgage.
Our friends at LifeSearch are here to help. They'll offer you independent professional advice based on your individual needs Get in touch with a LifeSearch adviser 0800 197 2266 Mon to Thu - 8am - 8pm Fri 8am - 6pm. Calls will be recorded and/or monitored for training and audit purposes.
We’re sorry you decided to cancel your plan and have decided you want to leave us, please call us on 0800 678 1906.