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Life Insurance from LV=

  • Quick and easy online application
  • Majority of customers are covered instantly online
  • Cover from £5 a month
A family with LV= Life Insurance pitching a tent with a green heart

Why you might want LV= Life Insurance?

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

  • Simple online application that takes less than 25 minutes.
  • 98% of claims paid in 2016.
  • Peace of mind that your loved ones are protected

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.
  • If you're not sure if this product is right for you, you can speak to a financial adviser.

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.

LV= Life Insurance Policy Summary

LV= Life Insurance Policy Summary (142KB)

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

You can also phone

Call our friendly UK-based team for more information or a quote:

Telephone icon

0800 756 8520
Quoting offer code IELO

TextDirect:
18001 0800 756 8520

9am to 5pm Monday to Friday

We may record and/or monitor calls for training and audit purposes.