Our members - part of the LV= family

The very reason we're here

The mutual difference

Our mutual status means we're owned by our members, not shareholders, and they have a say in how their business is run. Because of this we can take a longer-term view and focus on growing the value of LV= for the benefit of our members, instead of running the business to pay dividends to shareholders.

The dawn of mutual companies goes back to the 18th century, and although the world has moved on, the principles of mutuality remain the same. We think confidence unites everyone: individuals, families, communities and society. Today we want to help people live more confident lives, just like our founders set out to do so many years ago.

Anyone can become a member by owning a member-qualifying product with us. This includes all of our current and historic products, apart from our equity release products (for example Lifetime mortgage and Flexible Lifetime mortgage). Customers who have general insurance products (for example car and home insurance) are also not members – these products are sold by LV= General Insurance Group, a subsidiary of Allianz

Being part of the LV= family entitles members to a range of exclusive benefits, all designed to help them live more confident lives. Find out what these are below.

More on membership


The meetings we have with our members allow them to express their views. These meetings include Annual General Meetings and Special General Meetings.

Mutual bonus

Find out more about how we reward eligible members.

Reconnect with us

We're on a mission to reconnect with members who we've lost touch with over time.