nectar logo
Man and woman pushing bikes with child in green field

Life Insurance

Thinking about how you'd protect you and your loved ones? 

Get a Life Insurance quote

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

life insurance Cover features

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
Please read the policy summary to help you understand the full features of this product.
Critical illness cover

You can add Critical Illness cover to your Life Insurance for extra peace of mind

your Cover options

When it comes to our life cover, you've got options

About Life Insurance with us

View video transcript

Icon of an award ribbon
Awards and Recognition

We're pretty proud of our life cover

  • Moneywise Customer Service Awards 2013 to 2018
  • LifeSearch Protection Awards 2018


     - Best Overall Provider

     - Best Service Team - New Customers


  • Gold Standard Award 2016
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

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