Life Insurance with Critical Illness
Get extra protection and peace of mind with Critical Illness cover
Get up to £250 of eGift vouchers with our Critical Illness Cover
We know things may get tough this year, so we want to provide an extra bit of help.
We're offering up to £250* worth of e-Gift vouchers when you buy a new Life and Critical Illness Cover policy by 31st March 2023, and then pay at least six monthly premiums.
*Amount varies depending on the premium you pay. See T&C's for full details
Life-changing cover, for life-changing events
Almost everyone knows someone who has been affected by a life-changing condition such as cancer, stroke, heart disease or a serious accident. If this were to happen to you, Critical Illness cover will pay a one-off payment to help you protect your home, family and lifestyle.
EXISTING LIFE AND CRITICAL ILLNESS INSURANCE CUSTOMERS
Do you need to make a claim, or change something on your policy?
What is Critical Illness cover?
What is Critical Illness cover?
How does Critical Illness cover work?
It's easy to think a critical illness isn't going to happen to you, but should the worst happen you can help make sure your family and loved ones are protected by easing their financial worries. Life Insurance with Critical Illness will pay out if you die or are diagnosed with a critical illness during the term of the policy.
Do I need Critical Illness cover?
Critical Illness cover can help minimise the financial impact on you and your family if you become critically ill (see the critical illnesses covered). Adding it as an option when you take out Life Insurance, can give you the extra protection and the peace of mind you may need.
COVER FEATURES
Let's take a closer look at what your Critical Illness cover will include when added to your life insurance
- Enhanced claim payments for 9 conditions covered and we'll pay an additional 50% on top of your amount of cover - up to a maximum of £200,000
- Option to add children's critical illness cover, which will cover up to £35,000. This is an additional cost, and can be added straight away or at a later date
- We'll pay a lump sum if you are diagnosed with one of the listed critical illnesses covered
- We'll pay up to £30,000 for some less severe conditions and your policy would continue
Important information
Here's the need-to-know info, so you have the full picture
- Available to UK residents aged 17 to 64.
- Your policy must last for at least 5 years (our minimum term), and can't last for longer than 50 years (our maximum term). The policy must end before any person insured reaches the age of 80.
- We only pay for the critical illnesses covered in our policy and no others.
- Adult critical illness claims will only be paid if you survive for at least 14 days after being diagnosed (this doesn’t apply to claims for children’s cover).
- 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.
- Children's cover is an additional cost and can be added on to the policy immediately or at a later date (as long as there is at least 5 years remaining on the policy). Your children will be covered for the critical illnesses covered in our policy and no others.
- If children's cover is added and then later removed, it cannot be added back on to the policy.
- This is a term policy, so you will only be covered for the length of cover you have chosen.
- Once the policy ends, the cover stops and you won't get any money back.
Please read the policy summary and policy conditions to help you understand the full features of this product.
The information given in these pages should not be seen as advice to take out this plan so if you're happy that the product meets your needs you can apply online, or over the phone through LifeSearch.
As part of your life with critical illness application we may need to contact your doctor for a medical report. You don’t have to give your consent to us obtaining a medical report if we need to, but you won’t be able to complete the online application without agreeing to this. It’s still your responsibility to answer all the questions accurately and honestly in your application. If you don’t, we might not pay a claim and could cancel your policy.
Please note additional features could be available on this type of product, including total permanent disability, inflation-linked cover and applying on a life of another basis. We also have a different Life and Critical Illness product which provides cover for more conditions and features. Should you wish to discuss the additional features or our other policy, you can contact LifeSearch on 0800 197 2268. LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.
Cover options
Get to know your critical illness cover options
- Choose the amount of Critical Illness cover you wish to add to your Life Insurance.
- How long you need your Life Cover with Critical Illness to last.
- A choice of cover types; level cover or decreasing cover.
- Cover yourself, your partner or both.
Financial Advice
Need advice?
We've chosen to partner with LifeSearch to offer you independent advice on which protection products are right for you.
Lines open: 8am - 8pm Monday to Thursday and 8am - 7pm Fridays
For Text Phone first dial 18001
Calls will be recorded and/or monitored for training and audit purposes.
Frequently asked questions
You must have 100 questions, but let's start with 6
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