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Life Insurance from LV=

  • Cover from £5 a month
  • Quick and easy online application
  • Peace of mind that your loved ones are protected
A family with LV= Life Insurance pitching a tent with a green heart

Welcome KidStart Customers

LV= have teamed up with KidStart so that you can save for your children when you buy life insurance.

Our life insurance is designed to give you peace of mind that your loved ones will benefit from a cash lump sum if you die during the term of the plan. This could be used to help pay off your mortgage or it could help pay for child’s care or provide financial support for their education.

All we ask is that you permanently live in the UK (not on a temporary work or study visa), you're aged 17 to 69 when your plan starts and your premium is at least £5 a month.

KidStart logo

Exclusive offer for KidStart members.

Money paid into your account from KidStart as a reward when you buy LV= Life Insurance through KidStart.
Terms and conditions apply *

The basic facts

  • Choose the amount of cover or monthly amount you wish to spend starting from £5 a month.
  • Pays a lump sum if you die during the term of the plan. Once the plan term has ended you're no longer covered. This plan has no cash-in value and you get nothing back when it ends.
  • Choose the length of time you'd like the plan to last. After the insurance starts the premium and length of time is fixed.
  • Option of choosing level or decreasing cover (decreasing cover reduces the amount paid over time, level is fixed and won't keep up with inflation).
  • Cover of up to £500,000 (if you’re under 55 when you apply).

Important policy information

  • Level cover has a fixed amount of cover, it doesn't change. It won't keep up with inflation and will buy less in the future.
  • You can't claim under a terminal illness in the last 12 months of the plan.
  • After your plan has been issued, you can't change it.
  • If you die, we'll normally pay the lump sum to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2016/17 to 2017/18).
  • 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, your cover will end and you get nothing back, there is no cash in value.

Additional policy benefits

  • If you're diagnosed with a terminal illness during the plan term you can ask us to pay out your cover early.
  • The terminal illness payment is 3% less than the original cover amount and your insurance plan will end after this payment.
  • You can take out additional policies to increase the total amount of cover.
  • The amount of cover available will be personalised to your individual circumstances such as your age and whether you smoke or not.

About Life Insurance with us

video transcript

[Jon Speaking]

Hi, I'm Jon.

Let me tell you a little more about LV=

We're the largest mutual and friendly society in the UK, so when you take a policy with us, it means that you have a direct say in how we run our business.

You're at the heart of our decision making and that's something we're really proud of.

Back in 1843, we set out to provide life cover to help people save for their funerals and ease the burden on their families with this expense then they're gone.

And we're still doing this today, so you'll have the reassurance of knowing that you're part of a long history of providing financial security to our members.

As a customer, you'll become a member which gives you discounts on our car, home, pet and travel insurance.

As well as access to our free 24 hour member care line, for legal, health and medical enquiries.

We pride ourselves on being the most trusted and recommended life insurer, but dont just take our word for it.

[Reevoo testimonials]

"Quick, easy and dependable"

"Easy application, no misleading questions, value for money"

[Jon speaking]

LV=, good value, great values

Our life insurance application is quick and easy

How much tax you pay depends on your personal circumstances. For details of how contributions and benefits from your policy will be taxed, please see the Key Features document. Any references we make to taxation are based on our understanding of current legislation and HM Revenue & Customs practice, which can change.

* KidStart terms and conditions

  • Cashback is only available on policies purchased through this website. It is not available for purchases made by telephone or post.
  • LV= may not give cashback where we determine, or reasonably believe the terms of the cashback offer are being abused in any way. We may also not give cashback for anyone who has previously held an LV= Life Insurance, or similar policy with us, and cancelled it, or had it cancelled by us. We reserve the rights to reclaim any cashback given in such circumstances.
  • Cashback is paid once we have collected six consecutive months’ premiums and we have validated your application. We allow up to 2 months for validation so it can take up to 8 months from when you submit your application until you receive your cashback payment.
  • If you cancel your policy within six months your cashback will not be paid.
  • Your cashback will be paid directly through the affiliate website you have bought your LV= Life Insurance through. If you have any queries about your cashback, please contact your cashback site, not LV=.
  • This offer may be withdrawn or amended at any time.

The information on this page shouldn't be taken as advice. It's up to you to decide if it's right for you and you should speak to a financial adviser if you're not sure.

Why choose LV=?

  • At LV= it's our mission to treat people like family. As a friendly society our customers have a direct say in the way we run our business and as a result they're at the heart of any decisions.
  • 97% of claims paid in 2015.
  • Our simple online application means you could be covered in less than 25 minutes.
  • The majority of customers are covered instantly online.
PDF icon

LV= Life Insurance policy summary (142KB)

Make sure you read the policy summary so you understand what you're buying.

LV=, County Gates, Bournemouth, BH1 2NF, UK