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Is there anything I'm not covered for?

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


You're covered if you die or are diagnosed with a terminal illness before the end date of your plan and we will pay a lump sum to your estate unless you've made other arrangements. The terminal illness must meet our policy definition and you can't claim within the last 12 months of the plan. For a Life Insurance policy the payment will be 3% less than the original insured amount, although this does not apply for our other 'protection products'.

On it's own, it does not pay on diagnosis of a critical illness or provide a continuing income. If you're looking for more cover, find out ways to protect yourself.

Back to Life Insurance cover questions

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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