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Life Insurance

We can't promise peace and quiet...

Get a Life Insurance quote

...but we can offer peace of mind

Protect the ones you love with award-winning life insurance.

  • We can’t promise parenting will be an easy ride, but knowing your little (ahem) angels are financially protected should the worst happen to you, can give you the reassurance you need to concentrate on the people who matter most.
  • And with our award-winning cover starting at just £5 per month (or £7 if claiming cashback), peace of mind may be a lot easier to achieve than a peaceful home.

Nectar Loyalty Limited is an introducer appointed representative of Liverpool Victoria Friendly Society Limited for life insurance products. Don't forget to read the T&C's below.


So, here's what you need to know about our Life Insurance 

life insurance Cover Options

We know it's a tough topic, but we're here to make it a little easier

  • Pays out a cash lump sum if you die within the plan term
  • Gives you the flexibility to choose the amount of cover you need and for how long
  • Guarantees that your premiums won't change in the future unless you change your cover
  • Gives you access to our LV= member benefits and LV= Doctor Services at no extra cost
  • You may be able to increase your cover after specific life events without medical evidence
  • What you pay depends on your personal circumstances such as your age and whether you smoke

Important information

Here's the need to know about life insurance so you have the full picture

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  • Available to UK residents aged 17 to 79
  • You can choose the length to run between 5-45 years, but the policy must end before your 85th birthday
  • You can't claim under a terminal illness in the last 12 months of the plan
  • 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 2017/18 to 2020/21)
  • 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
  • Increase options are available after marriage/civil partnership, divorce, the birth of a child or mortgage increase. Sometimes we won't be able to offer you increase options, subject to guidelines within your policy conditions.

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

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.

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.

Nectar Terms and Conditions
  • Nectar points are only available on policies purchased through the LV= website from Nectar eshops. They are not available for purchases made by telephone or post.
  • Nectar points are allocated once LV= have collected six consecutive months’ premiums and the application has been validated. LV= 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 Nectar points.
  • Please allow the confirmation page of your policy to fully load before closing the window to ensure your purchase has tracked correctly.
  • LV= may not allocate Nectar points where they determine, or reasonably believe the terms of the points offer are being abused in any way. LV= may also not allocate Nectar points for anyone who has previously held an LV= Life Insurance, or similar policy with LV=, and cancelled it, or had it cancelled by LV=. LV= reserve the rights to reclaim any points given in such circumstances.
  • There is no cash alternative for Nectar points.
  • If you cancel your policy within six months you will not be allocated any Nectar points.
  • Your Nectar points will be allocated directly through the Nectar website. If you have any queries about your points, please contact Nectar, not LV=.
  • This offer may be withdrawn or amended at any time. LV= reserves the right at its sole discretion not to allocate Nectar points.
    For more information on using Nectar points, please see the Nectar eshops terms and Conditions of use, here

Award-winning life cover

Most Trusted Life Insurance Provider in the Moneywise Customer Service Awards 2013-2019

In 2019, consumers voted us as the winner of the Moneywise Most Trusted Life Insurance provider for the seventh year running.

Buying Life Insurance is quick and easy