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We care passionately about helping people protect their livelihoods and things they love, and we hope it shows in the way we work with you and your clients

Member benefits

LV= helpline and more

Every client who takes out (covered by) one of our personal and business protection and retirement products, becomes a member of LV=, and will be entitled to a range of value-added benefits and support. These include free and unlimited access to our confidential LV= Health and Wellbeing helpline, as well as generous discounts on a number of LV= insurance products.

LV= Health and Wellbeing Line

Exclusive to members and their families, the LV= Health and Wellbeing line is available 24 hours a day, seven days a week, offering free and unlimited access to nurses, trained counsellors and lawyers.

Your client will have access to a team of medical professionals around the clock, with no limit on how many times they use it.

Key benefits

Your client and their family will be able to speak to our team of qualified doctors and nurses, who can offer practical help on anything they’re worried about, including:

  • If your client’s been diagnosed with a specific illness or injury, our medical experts can advise them on what to expect. GPs and consultants don’t always have the time to explain everything in detail, so the helpline can be used to explore diagnosed conditions further
  • The team running the helpline can supply supportive literature, and provide details of local hospitals and treatment centres
  • The helpline can supplement out of hours GP services, as your client will be able to speak to a nurse as soon as they need to, even if it’s outside normal working hours
  • Your client can also use the helpline for expert lifestyle and nutritional advice

How does this benefit me?

You can be confident you’re recommending a quality proposition and that LV= will be there for your client when they need it most. What’s more, you’ll be giving them something tangible for their premium that they can start using straightaway.

All members can use this service at any time - not just at the point of a claim (for protection customers).

Steven and Jack's story - child illness

Steven and Jack

This is simply an example to show just one of the ways the LV= Health and Wellbeing line could be used.

At around 10:30pm Saturday evening, Steven’s six-year-old son Jack came into his room to say he wasn’t feeling well. He had a raised temperature and felt sick. It was late and the family’s GP didn’t have an out of hours service available over the weekend.

Steven remembered the helpline he had access to as part of his LV= policy, so rang it. He was put through to a nurse straightaway who gave him practical advice on how to reduce Jack’s temperature and manage the sickness. The nurse advised him to go to A&E if he saw any deterioration in Jack’s health. Luckily, Jack’s temperature reduced and he was well again by the morning.

Paying for counselling can be very expensive, and waiting lists on the NHS are often long. But with the LV= Health and Wellbeing line, your client will be able to speak to a qualified counsellor whenever they need to.

Key benefits

Your client (and their family) can speak to a qualified counsellor on anything they’re worried about, including

  • Relationship difficulties, emotional problems, bereavement, family problems and stress or anxiety
  • The team can also suggest support groups and organisations which could help your client further

How does this benefit me?

You can be confident you’re recommending a quality proposition and that LV= will be there for your client when they need it most. What’s more, you’ll be giving them something tangible for their premium that they can start using straightaway.

All members can use this service at any time - not just at the point of a claim (for protection customers).

Lisa's story - coping with stress

Lisa

This is simply an example to show just one of the ways our counselling service could be used.

Lisa called the LV= Health and Wellbeing line because she was feeling continuously stressed and overwhelmed with life. She was able to speak to a counsellor straight away, who gently began to explore how her feelings were impacting her day-to-day life. Lisa explained that she had not been sleeping well for several weeks and as a result was feeling tired all the time, leaving her with very little energy at work. Her work and personal relationships had begun to suffer.

Lisa felt that the counsellor offered a safe space for her to talk openly about her feelings. She valued the counsellor’s feedback and genuine interest, as she achieved the small goals they had set her to do between sessions.

These included;

  • setting clear boundaries between home and work
  • speaking to her manager about getting extra help with her project and reducing her workload
  • exercising on a regular basis and adjusting her eating and drinking habits

The legal world can often seem daunting and confusing, not to mention expensive if your client needs to speak to a solicitor. But with the LV= Health and Wellbeing line, your client can speak to our team of fully qualified solicitors and legal executives, without the associated costs.

Key benefits

The team will be able to advise your client on a range of legal matters, including:

  • All areas of UK law, including Scottish and Irish legislation (which is different to English and Welsh law)
  • Our team of solicitors can offer practical advice on general law, property-related issues, will and probate, matrimonial conflicts, as well as employment and family legislation. Typically, a family lawyer will only specialise in one or two areas of law, so the helpline can also complement any existing support already in place.
  • The average ‘charge-out’ rate for a solicitor can be anything from £180-£250ph, but members can speak to a solicitor via the LV= Health and Wellbeing line at no cost, and at a time convenient with them
  • Ultimately, everyone will need legal advice at some point in their lives, and members can get it for free with LV=

How does this benefit me?

You can be confident you’re recommending a quality proposition and that LV= will be there for your client when they need it most. What’s more, you’ll be giving them something tangible for their premium that they can start using straightaway.

All members can use this service at any time - not just at the point of a claim (for protection customers).

Individual support services

Health and medical matters

Our health and wellbeing support services provides your client with access to confidential help and advice on many issues relating to their general health and wellbeing. This service is provided by a team of qualified nurses, who also have access to doctors where required.

Your client can discuss health and lifestyle issues, medical symptoms and worries with a sympathetic professional 24 hours a day, 365 days a year.

The Health and Wellbeing Service provides guidance and information on the following:

  • Medical Advice
  • Parental or Childcare
  • Elderly Care
  • Health and Lifestyle advice
  • Pre-travel advice

See examples of the type of support available

  • General medical advice, support and clinical guidance.
  • Hospital procedures, including preparations for tests and X-rays.
  • Patient pre and post treatment advice - do's and don'ts.
  • Medications for all medical and surgical conditions.
  • The rights of a patient and their family.
  • Location of specialist practitioners, hospitals and consultants.
  • The right questions to ask a doctor/consultant/hospital.
  • Details of local and national help and support groups.
  • The do's and don'ts of finding appropriate childcare.
  • Baby and child development.
  • Finding paediatric specialists in the local area.
  • Medical advice and guidance on all aspects of child illness and healthcare.
  • Information on a range of professional welfare organisations and societies related to parenting and children including teenage issues such as anorexia, drugs and alcohol, communication and dyslexia.
  • The do's and don'ts of finding appropriate care facilities, e.g. nursing homes, residential homes, hospices or home care.
  • The impact of the ageing process, common conditions and illnesses of old age.
  • Typical caring issues, e.g. disability aids, respite care, lifting, pressure sores.
  • Information and advice on a range of professional welfare organisations and societies who specialise in services and advice for the older generation.
  • Information on illnesses, conditions, tests and treatments.
  • Advice on a range of medical conditions such as allergies, high/low blood pressure, and how to deal with minor injuries or locating specialist consultants.
  • Practical advice on weight-loss and safe ways to diet, stop smoking, reducing alcohol intake, and exercising.
  • Advice on orthopaedic, musculoskeletal injuries and their treatment and assist with locating physiotherapists, orthopaedic specialists, osteopaths or podiatrists.
  • Provide support and reassurance e.g. if visiting a high risk country or zone.
  • Single source of reference for travel enquiries such as 'is a visa required?', 'what inoculations do I need?'
Other member services

As a member, your client will be entitled to discounts on our general insurance products, including LV= car, home, travel and pet insurance.

More information on discounts on our general insurance products

Your client will also be able to sign up to receive our member newsletters, which feature news from LV= and the opportunity to win prizes.

Once your client’s been a member for a year, they’ll be able to request financial assistance if they (or a family member) are struggling to make ends meet. Since 2001, we’ve helped hundreds of members by offering a financial helping hand as we understand sometimes people do fall on hard times, through no fault of their own.

This could include things like funding for specialist equipment following an accident, or adapting the home following the diagnosis of a serious illness. And the great thing about the fund is it’s managed by a small, independent committee of LV= policyholders who look at each individual request and decide whether a grant can be awarded.

Members are also invited to attend our AGM. Once your client’s been a member for 12 months or more, they’ll be invited to vote at the AGM.