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Life Insurance with Critical Illness

Will you pay a Life Insurance claim?


We'll pay as you die (or your partner in a joint life plan) within the plan term.

In 2016, we paid 97% of all life insurance claims totalling £26.6m in payout.

2.5% of the claims we didn't pay were because of misrepresentation. This happens when important information is missed off the application form when the policy started. Information which could have meant you would not have been able to take out insurance with us, or been able to get insurance cover with us but with an exclusion.

Common reasons are customers not telling us how much they smoke or drink when completing their application form, and then they die as a result of lung or liver cancer.

More on Life Insurance claims

Our life insurance application is quick and easy

Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Find out more about life cover

Why choose LV=

An insurance provider you can trust established in 1843.

  • 97% of claims paid in 2016
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents


From what's covered, ways to get set up or even how to claim, our library of FAQs can help.

View our Life Insurance FAQs