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Life Insurance with critical illness

Get extra protection and peace of mind with Critical Illness cover

Get a Life with Critical Illness quote

Adding Critical Illness cover to your life policy can help protect you and your family when you need it most

Our life insurance policies can provide vital protection for those you love. It's easy to think a critical illness isn't going to happen to you, but should the worst happen you can help make sure your family and loved ones are protected by easing their financial worries. Life Insurance with Critical Illness will pay out if you die or are diagnosed with a critical illness.

    why choose lv=

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

    Offer Terms and Conditions

    If you apply for our Life Insurance or Life & Critical Illness Plan online from 19 May 2025 and we accept your application, you may be eligible to receive an e-Gift card up to the value of £250*, after we receive payment of your 6th monthly premium. This can be redeemed against many of the biggest brands. 

    *The value of the e-Gift card will be based on the first monthly premium of the policy purchased.

    Monthly Premium e-Gift card
     £5 - £9.99 £15 
     £10 - £19.99 £30 
     £20 - £29.99 £60 
     £30 - £49.99 £100 
     £50 - £59.99 £150 
     £60 - £74.99 £200 
     £75+ £250 

    The following terms and conditions will apply to this promotion: 

    • The e-Gift card offer is only available to customers who apply for our Life Insurance or Life & Critical Illness Plan online directly from www.lv.com from 19 May 2025. If you apply by telephone via LifeSearch, via a Financial Adviser, or via any of our other online affiliate partners / comparison websites, you will not be eligible to receive an e-Gift card. 
    • This offer is not available to cashback customers. Cashback customers are customers who receive a cash sum when they buy a LV=product via an LV= partner affiliate website. 
    • If we decline or cancel your policy application then you won’t be eligible for this promotion. 
    • The offer is only available to customers who have paid their 6th monthly premium in full on the date it is due. Customers will not be eligible for an e-Gift card if a monthly payment is missed or not paid in full on the date it is due. 
    • If you have previously cancelled an LV= Life Insurance and/or LV= Life Insurance & Critical Illness plan you will not qualify for this offer. 
    • If you are eligible to receive an e-Gift card, we will aim to send the e-Gift card via email within 28 days of us receiving your 6th monthly premium. Please allow time for delivery. We cannot send e-Gift cards via post so a valid email address will be required. 
    • The e-Gift card will be sent from Edenred however we may change the incentive provider but we will not change the monetary value of the offer. 
    • There will be a selection of e-Gift cards available to choose from using an online portal, each e-Gift card will be subject to their own terms and conditions and we reserve the right to amend the selection at any time.
    • If you have not redeemed your e-Gift card within 90 days after the date the reward email is initially sent, you will no longer be able to redeem the e-Gift card. Please ensure that the email address [email protected] is added to your safe-senders list, in order to prevent any likelihood of the emails landing in the junk folder.  
    • We may refuse entry into this promotion at our reasonable discretion. 
    • We may cancel any e-Gift cards should we discover or have a reasonable suspicion that the terms of the offer are being abused. 
    • One e-Gift card per policy sold, limited to two per household in a 12 month period. In the case of a joint policy, the e-Gift card will be sent to the first named policy holder. 
    • No cash alternative will be offered and the e-Gift cards are non-refundable and non-transferable. 
    • All terms and conditions also apply to partners, family and friends applying for this offer. 
    • We have the right to change these terms and conditions or withdraw this offer at any time. 
    • These terms and conditions are separate from your policy conditions which apply to your Life/ Life & Critical Illness Plan. 
    • Entry into this promotion will be deemed to be your acceptance of these terms and 
      conditions.

      We'll pay your cover if you have one of the conditions covered by the policy

      If you're diagnosed with one of the 38 full payment illnesses in this policy, we'll pay out the full amount you've been covered for.

      We also cover 2 less serious conditions where we'll pay the lower of 25% of your amount of cover up to £30,000. If we pay a claim under one of these conditions, then your policy will still continue for your full amount of cover.

      That's not all, 9 conditions are enhanced. This means that we'll pay an additional 50% on top of the amount of cover (up to £200,000) depending on the condition. This applies if the cause of the claim is as a direct result of an accident for one of the 9 conditions. We talk about this in full in the policy conditions.

        Overview

        Options explained

        Life Insurance

        • Pays a lump sum if you die within the plan term.
        • If you're diagnosed with a terminal illness we can pay out early.
        • What you pay depends on your personal circumstances such as your age and if you smoke.
        • Available to UK residents aged 17 to 84 when your policy starts.
        • Your premiums are guaranteed not to change in the future unless you change your cover.
        • You may be able to increase your cover after specific life events without medical evidence.

        Critical Illness

        • Pays a lump sum if you are diagnosed with one of the critical illnesses whilst covered, including terminal illness.
        • We pay up to £30,000 for less severe conditions and your policy would continue.
        • Available to UK residents aged 17 to 64 when your policy starts.
        • Your premiums are guaranteed not to change in the future unless you change your cover.
        • Up to £35,000 of children's critical illness cover when added on to your policy. This option is at an additional cost and it can be added at the start of the policy or at any point as long as there is at least 5 years remaining on the policy.

        If you stop paying your premiums you won't get any money back and your cover may stop. Please read the policy summary, available below, to help you understand the full features of this product.

        your Cover options

        Get to know your critical illness cover options

        You can tailor your policy to suit you and your loved ones
        • Icon of a heart and piles of coins
          With level cover, your cover amount stays the same, while decreasing cover reduces over time
        • Icon of a calendar
          Decide how long you'd like your cover to last
        • Icon of a couple in front of a heart
          Choose a single life or a joint life policy
        • Icon of a pile of coins inside a shield
          Choose how much money you'd like to cover

        Policy summary

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

        You can get these and other documents from us in Braille, large print or audio by dropping us a line.

        Please note additional features could be available on this type of product, including total permanent disability, inflation linked cover and applying on a life of another basis. We also have a different Life and Critical Illness product which provides cover for more conditions and features. Should you wish to discuss the additional features or our other policy, you can contact LifeSearch on 0800 197 2268. LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

        Please be aware cashback is only available on policies directly purchased through lv.com. If you take out a policy through LifeSearch then you will no longer be eligible.

        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.

        Important information

        Here's the need-to-know info, so you have the full picture

        Office space with computer and documents
        • Available to UK residents aged 17 to 64.
        • Your policy must last for at least 5 years (our minimum term), and can't last for longer than 50 years (our maximum term). The policy must end before any person insured reaches the age of 80.
        • We only pay for the critical illnesses covered in our policy and no others.
        • Adult critical illness claims will only be paid if you survive for at least 14 days after being diagnosed (this doesn’t apply to claims for children’s cover).
        • 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.
        • This is a protection policy only and has no cash in value. If you stop paying your premiums, your cover may stop and you won’t get any money back.
        • Children's cover is an additional cost and can be added on to the policy immediately or at a later date (as long as there is at least 5 years remaining on the policy). Your children will be covered for the critical illnesses covered in our policy and no others.
        • If children's cover is added and then later removed, it cannot be added back on to the policy.
        • If you have added Children’s cover to your policy it’s important to tell us when your youngest child reaches their 23rd birthday. Otherwise you could be paying for something you can’t claim on.
        • This is a term policy, so you will only be covered for the length of cover you have chosen.
        • Once the policy ends, the cover stops and you won't get any money back. 

        Please read the policy summary and policy conditions to help you understand the full features of this product.

        The information given in these pages should not be seen as advice to take out this plan so if you're happy that the product meets your needs you can apply online, or over the phone through LifeSearch.

        Buying Life Insurance is quick and easy

        Get a Life with Critical Illness quote