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

Income Protection

Great reasons to choose LV= for Income Protection

Great cover as standard

A number of features at no extra cost:

  • Fracture cover
  • Parent and child cover
  • Rehab support services
  • Market leading approach to exclusion review periods
  • Death benefits
  • Unemployment payment holiday
  • Sick pay guarantees

More on these great features

Award winning

Although we’re proud of our income protection product range, we were thoroughly delighted to scoop these prestigious awards back in 2017. It was a hat trick for LV= Income Protection – as we won all three industry awards.

This year we’re delighted to add Moneyfacts’ Best income protection provider for the ninth year running, to our collection.

Being recognised as the best provider with the best income protection, we would like to thank you for your support. And of course, this also gives you another reason to recommend LV= to yours clients!

Moneyfacts and Cover Excellence Awards Winner
Health Insurance Awards Winner

Strong claims performance

Making sure your client has a successful claim is as important to your client as it is to you. Your clients get vital financial help when they need it most and you feel confident in the provider you recommended.

We’re proud of our performance with 88%* of all new Income Protection claims were paid in 2017 and an average annual payment across all new and existing Income Protection claims of £14,234.

* 96% Income Protection claims paid (includes new claims admitted in 2017 and those already being paid before 1 January 2017 that continued to be paid in 2017) 88% Income Protection for new claims admitted in 2017.

Better underwriting

We know advisers are not usually medical experts so we help out as much as we can. This means you can concentrate on providing the best financial advice for your client.

  • We have no standard exclusions on our income protection plans making it straightforward to explain to your client.
  • We don't have an automatic need to see a GP report for monthly cover amounts less than £12,501
  • Our online application system is powered by a strong, intelligent underwriting rules engine which means that you're more likely to get an instant decision.
  • We have flexible medical examination arrangements. If your client needs a medical examination, where possible we'll make sure that they're seen by their local GP, and if appropriate, offer a suitable alternative with our nationwide healthcare networks.
  • We pay for medical underwriting (except medical certificates such as sick notes).
  • We have a dedicated underwriting hotline to help you iron out any potential issues your client may have.

Added value services

LV= Doctors services

LV= Doctor Services gives your clients access to 3 expert medical advice services through one handy app wherever they are.

  • Remote GP
  • Prescription Services
  • Second Opinion

More on LV= Doctors Services

Member benefits

Every client who is covered by one of our personal or business protection and retirement products automatically becomes a member of LV=. This means they are entitled to a range of added benefits and support. These include free and unlimited access to our 24/7 confidential member helpline and discounts on a number of LV= insurance products.

Our LV= member helpline gives you 24/7 access to health advice, counselling services and expert legal advice.

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