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.
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.
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.
Let's take a closer look at what your Critical Illness cover will include, when added to your life insurance policy.
What are the benefits of Critical Illness cover?
Here's the need-to-know info, so you have the full picture
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.
We've chosen to partner with LifeSearch to offer you independent advice on which protection products are right for you.
When considering the cover you want to get, you should think about:
For new customers, LV= cover two types of conditions:
You can find our full list of critical illnesses we cover here.
There are certain lifestyle factors that affect life insurance calculations:
The best thing to do is to give us a ring. We can talk you through the steps and help you to understand the process.
Call our Claims Department on 0800 756 5869 or for TextDirect call 18001 0800 756 5869.
For more ways to make a claim, see our page on life with critical illness claims.
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