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50 Plus plan from LV=

  • Guaranteed acceptance - no medical or health questions
  • Premiums starting from £7 a month (depending on age)
  • Full cover after just 12 months
An over 50s Married couple with their grandkids, dog, and member of the LV= legal team stood behind the LV= heart

Welcome Nectar customers

Our 50 Plus plan is an easy way to leave your loved ones with a cash lump sum when you're no longer around. This could help towards funeral costs, unpaid bills or provide a financial legacy for your grandchildren.

Nectar logo

Key benefits

  • Cover starts from £7 a month (depending on age).
  • Guaranteed acceptance if you're aged 50 to 80 and living in the UK.
  • No medical or health questions.
  • £1,000 minimum amount of cover.
  • Choose your free gift when you apply.
  • Buy online to earn your Quidco cashback.
  • Full cover provided after the first year.
  • Funeral Benefit Option - get an additional £300 towards funeral costs
  • After your 90th birthday your cover continues but you won't have to pay any more premiums.
  • Your cover will never go down no matter what happens to your health.

Important information

  • Maximum of £25,000 of cover available.
  • You're fully covered after the first year. If you die before this we may only pay you the premiums you've paid into your plan.
  • Depending on how long you live you may pay more in premiums than we pay out when you die.
  • This isn't a savings plan - and it has no cash-in value. If you stop paying you won't get anything back.
  • Your amount of cover is fixed when your plan starts, so it won't keep up with inflation and will buy less in the future.
  • Payment normally goes to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2015/16 to 2017/18).
  • If you have already taken out the Funeral Benefit Option on a previous plan, you may not be able to take out this option on further plans.

Reasons to use LV= Doctor Services app

When you take out a new policy with us, you will gain access to the LV= Doctor Services, getting the medical advice and treatment you need (including for your children up to age 16):

  • Simple to use - one app, three expert medical services.
  • Easy access - to a leading network of 5000+ UK health professionals at your fingertips.
  • Serious illness or everyday health concerns - you can get expert medical advice for any health issue.
  • UK based professionals - you can speak to a doctor or specialist in the UK.
  • Convenient - see a doctor or specialist from the comfort of your home, office or anywhere in the world!
  • No added cost - you won’t pay any consultation fees, or an insurance excess.

LV= Doctor Services is a non-contractual benefit and can be changed or removed at any time.

Buying a 50 Plus plan is quick and easy

Please note, the information on this page shouldn't be considered as advice. It's up to you to decide if the product is suitable for you. If you have any doubts please speak to a financial adviser.

Nectar terms and conditions

  • Nectar points are only available on policies purchased through the LV= website from Nectar eshops. They are not available for purchases made by telephone or post.
  • Nectar points are allocated once LV= have collected six consecutive months’ premiums and the application has been validated. LV= allow up to 2 months for validation so it can take up to 8 months from when you submit your application until you receive your Nectar points.
  • Please allow the confirmation page of your policy to fully load before closing the window to ensure your purchase has tracked correctly.
  • LV= may not allocate Nectar points where they determine, or reasonably believe the terms of the points offer are being abused in any way. LV= may also not allocate Nectar points for anyone who has previously held an LV= 50 Plus Life Insurance, or similar policy with LV=, and cancelled it, or had it cancelled by LV=. LV= reserve the rights to reclaim any points given in such circumstances.
  • There is no cash alternative for Nectar points.
  • If you cancel your policy within six months you will not be allocated any Nectar points.
  • Your Nectar points will be allocated directly through the Nectar website. If you have any queries about your points, please contact Nectar, not LV=.
  • This offer may be withdrawn or amended at any time. LV= reserves the right at its sole discretion not to allocate Nectar points.
  • For more information on using Nectar points, please see the Nectar eshops terms and Conditions of use, here

Why Choose LV=?

  • Free welcome gift.
  • 170 years experience.
  • At LV= it's our mission to treat people like family. As a friendly society our customers have a direct say in the way we run our business and as a result they're at the heart of any decisions.
  • Access to exclusive member benefits and loyalty rewards at no extra cost, including a 24 hour care line.
  • Full cover after just one year with 100% of claims paid.
  • Easy claims process.

Complimentary Gift

Complimentary gift after your plan starts

Images of an Amazon, M&S and Argos gift card for the over 50 life insurance complimentary gift

*Amazon T&C's

* is not a sponsor of this Promotion. For complete gift certificate terms and conditions, see All Amazon ®, ™ & © are IP of, Inc. or its affiliates.