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, peace of mind may be a lot easier to achieve than a peaceful home.
WHY CHOOSE LV=
So, here's what you need to know about our Life Insurance
Cover starts from as little as £5 per month
Quick and easy application
Free access to LV= Doctor Services
Terminal illness cover included at no extra cost
95% of claims were paid in 2018 - These figures include claims paid for both our Life Insurance and Lifetime+ products. Our Lifetime+ product is no longer available.
Once we've made our final decision we aim to pay claims within 3 days
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
Here's the need to know so you have the full picture
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, 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...