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Life Insurance

What to consider for your life insurance

For lots of us, life insurance is an important way of helping to protect the people we love so that they can maintain their lifestyle should you be unable to work or are no longer around. The table below is designed to give you an overview of our life cover products to help you compare the differences so you can identify the product that best suits your needs.

Life Insurance

Life Insurance
with Critical Illness

Lump sum payout

Included
Included

Joint cover available

Included
Included

Level cover

Included
Included

Decreasing cover

Included
Included

Guaranteed premium

Included
Included

Reviewable premium

Not included
Included

Apply online

Included
Included

How to apply


Choosing the right product for your needs may not seem easy, here are some simple questions and answers to help identify which life insurance protection best suits you.

What do I need to protect?
You may have a spouse, or children, a mortgage, or other outstanding loans. Or a combination of all of these. There are different types of life insurance depending upon your needs.
Do I need Critical Illness cover?
If your family rely on your income then the answer is probably yes. The pay out could help to cover things such as child care costs and household bills, to make adjustments to your home or lifestyle if needed, to pay for specialist medical treatment - or even to take that well needed trip away to help you recover.

For extra protection, buy Life Insurance with Critical Illness cover at the same time

Life insurance and critical illness cover are both important and provide vital protection for different sets of circumstances. It pays out a lump sum if you die, or are diagnosed with one of the 63 listed illnesses during the term of your policy.


We’ve teamed up with advice specialists LifeSearch to offer you respected, honest and unbiased advice on life and protection products.

LifeSearch will help guide you to the right product suitable for your needs, they have been recognised with more industry awards than any other protection broker. Therefore, you can rest assured knowing you have had the right advice and product offering.

Do you need help?

Call LifeSearch on 0800 197 2266
Mon to Thu 8am - 8pm, Fri 8am - 6pm

Existing customers 0800 678 1906
8.30am - 6.30pm Monday to Friday

LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

Calls may be recorded for training and monitoring purposes.

More about LifeSearch and your protection needs