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Life Insurance with Critical Illness cover

Get extra protection and peace of mind with Critical Illness cover

Get a Life with Critical Illness cover quoteExisting customers

Life-changing cover for life-changing events

Almost everyone knows someone who has been affected by a life-changing condition such as cancer, a 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.

LV=’s Critical Illness Cover

  • Multiple critical illnesses covered 
  • 97% of claims paid in 2022
  • Lump sum on diagnosis of certain critical illness
  • Protect your home and lifestyle


Critical Illness cover for you and your family

It's easy to think being diagnosed with 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.

Critical illness cover is a lump-sum payment given to you or your beneficiaries if you are diagnosed with a certain life changing illness or if you pass away during the policy term. 

Being diagnosed with a terminal or life-changing illness is an uncertain and emotional time for you and your loved ones, but having financial security helps to ease the burden.

How does Critical Illness cover work?

Life Insurance with Critical Illness will pay out if you die or are diagnosed with a critical illness during the term of the policy. You pay into it monthly, like a normal insurance policy, and then if the worst happens, you or your beneficiaries receive a lump sum. 

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 peace of mind you may need.

What does our Critical Illness cover include?

Let's take a closer look at what your Critical Illness cover will include, when added to your life insurance policy. 

  • 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 will continue.

What doesn’t our Critical Illness cover include?

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  • You’re not covered if you take your own life within the first year of the policy
  • Death after 14 days of diagnosis, aside from children’s cover
  • People over the age of 80
  • Terms less than five years and greater than 50 years

What are the benefits of Critical Illness cover?

  • Peace of mind: With critical illness cover as part of your life insurance policy, it’s not just you that benefits. You can rest assured your loved ones will be cared for as well.
  • Preparing for anything: None of us know what’s going to happen in 5, 10, or 20 years, but knowing that you’ve made plans means you’re prepared, whatever happens next.

Why choose LV= for Critical Illness cover?


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  • 97% of claims were paid in 2022. These figures include claims paid for Life Insurance, Terminal illness and our Whole of Life products (including some guaranteed over 50s Whole of Life products). Our Whole of Life products are no longer available.
  • Once we've made our final decision, we aim to pay a claim within 3 days.

Important information

Here's the need-to-know info, so you have the full picture

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  • 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.

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.

Find out more about getting advice

Frequently Asked Questions

You must have 100 questions, but let’s start with five:
How much cover might I need?
What critical illnesses do LV= cover?
What are the calculations for life insurance with critical illness based on?
How to make a critical illness claim
Can I get critical illness cover without life insurance?

Buying Life Insurance with Critical Illness is quick and easy

Check out our articles about Life Insurance and Critical Illness