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IP too expensive?
How to scale down the cost to meet your client's budget

Income Protection

At LV= we believe everyone should be supported if they are ill and unable to work, with quality financial protection that pays out when it matters. The cover pays an ongoing, regular benefit, helping minimise the cost and impact ill-health can have on clients (and their families). It covers your client against all eventualities and includes a number of special features at no extra cost.

Cover features

  • Clients can cover up to 60% of their income
  • Fracture cover at no extra cost
  • Contractual death benefit
  • Payment of premiums during unemployment (payment holiday)
  • Sick pay guarantee
  • Rehab support services
  • £1,500 benefit guarantee
  • Cover for medical professions
  • Parent and child cover

Important information

  • There is no cash in value at any time.
  • If your client stops paying their premiums, their cover may cease.
  • If your client chooses level cover, it won't keep up with inflation and could buy less in the future.
  • With Budget Income Protection, the regular monthly income will be paid for a maximum of 24 months (for any one claim).

Income Protection is included in our Flexible Protection Plan, helping you offer your clients protection specific to their own needs, circumstances and budget. It also includes Life insurance and Critical Illness cover, as well as optional waiver of premium.

Quote and apply through Fastway and get 10% extra commission

How to buy

You can quote and apply online here, or through the main adviser comparison services. Whenever you apply online you'll get an extra 10% lautro commission on top of your agreed commission levels. Otherwise you can send us a completed application form in the post. Find out if your client is eligible.


0800 678 1890

TextDirect: first dial 18001

8.30am - 6.30pm Monday - Friday

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


Personal Sick Pay

Find out more about our Personal Sick Pay product; income protection for clients in riskier jobs.

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LV=, County Gates, Bournemouth, BH1 2NF, UK