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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

Why you might want to think about LV= Life Insurance

Help protect your loved ones lifestyle and future with some financial support should the worst happen to you.

  • We do everything we can 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 we make.
  • 97% of claims paid in 2016.
  • Simple online application that takes less than 25 minutes.
  • The majority of customers are covered instantly online.

Exclusive member rewards

You automatically become a member which gives you access to a range of benefits at no extra cost:

  • 24 hour member care line to help with:
    - criminal and civil law queries
    - health and medical questions
  • community fund supporting good causes.
  • participation in election of board directors.

Cover features

  • 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).
  • Choose the amount of cover or monthly amount you wish to spend starting from £5 a month.
  • Choose how long you'd like the plan to last. After the start of the plan premium and length of time are fixed.
  • Cover of up to £500,000 (£300,000 if you're 56 to 65, or £200,000 if you're 66 to 69 when you apply).
  • If you're diagnosed with a terminal illness during the plan term you can ask us to pay out your cover early.
  • 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.

Important information

  • This plan has no cash-in value and you don't get anything back when it ends.
  • If you stop paying your premiums, your cover may end.
  • Level cover provides a fixed amount of cover, it doesn't change. It won't keep up with inflation and will buy less in the future.
  • Decreasing cover will reduce each year but your premium will remain the same.
  • 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 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.
  • The terminal illness payment is 3% less than the original cover amount and your insurance plan will end after this payment.

Getting a life insurance quote from us is quick and easy

How to buy life insurance

All we ask is that you're a UK resident aged 17 to 69 when your plan starts and your premium is at least £5 a month.

  • Read the product information and the policy summary to help you understand the benefits of the product.
  • Decide how much cover you need or amount you can afford every month.
  • Decide the length of time you need the cover for.

The information given on these pages should not be seen as advice to take out the plan so if you're happy the cover meets your needs you can complete our online application.