Life Insurance
We can't promise peace and quiet...
...but we can offer peace of mind
Protect the ones you love with 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 cover starting at just £5 per month (or £7 if claiming cashback), peace of mind may be a lot easier to achieve than a peaceful home.
- Claiming cashback? Don't forget to read the T&C's below.
TopCashback Limited is an introducer appointed representative of Liverpool Victoria Financial Services Limited for life insurance products.
WHY CHOOSE LV=
So, here's what you need to know about our Life Insurance
- Cover starts from as little as £5 per month (or £7 if claiming cashback)
- Quick and easy application
- Free access to LV= Doctor Services
- Terminal illness cover included at no extra cost
- 97% of claims were paid in 2022. These figures include claims paid for Life Insurance, Terminal illness and our Whole of Life products (including some guaranteed over 50’s whole of life products). Our whole of life products are 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
- 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
Important information
Here's what you need to know about life insurance, so you have the full picture
- Available to UK residents aged 17 to 84.
- You can choose the length to run between 5-50 years, but the policy must end before your 90th birthday.
- 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 2023/24 to 2027/28).
- 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.
- As part of your life insurance application, we may need to contact your doctor for a medical report.
- You don’t have to give your consent to us obtaining a medical report if we need to, but you won’t be able to complete the online application without agreeing to this. It’s still your responsibility to answer all the questions accurately and honestly in your application. If you don’t, we might not pay a claim and could cancel your policy.
- Increase options are available after marriage/civil partnership, divorce, the 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...
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.
TopCashback Terms and Conditions
- Cashback is only available on policies purchased through this website. It is not available for purchases made by telephone or post.
- LV= may not give cashback where we determine, or reasonably believe the terms of the cashback offer are being abused in any way. We may also not give cashback for anyone who has previously held an LV= Life Insurance, or similar policy with us, and cancelled it, or had it cancelled by us. We reserve the rights to reclaim any cashback given in such circumstances.
- Cashback is paid once we have collected six consecutive months’ premiums and we have validated your application. We 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 cashback payment.
- If you cancel your policy within six months your cashback will not be paid.
- Your cashback will be paid directly through the affiliate website you have bought your LV= Life Insurance through. If you have any queries about your cashback, please contact your cashback site, not LV=.
- This offer may be withdrawn or amended at any time.