LV=

LV= is an investment, protection and retirement specialist and one of the UK’s leading life and pensions mutual insurers, working closely with financial advisers. We serve over 1 million members and customers offering a range of products, services and advice mostly available through financial advisers. It is through our work with UK financial advisers that the majority of customers will buy our products and services.

At LV= we’re committed to the intermediary market and are here to offer you the support, training, development and technical guidance to help you and your business thrive.

Our products: comprehensive, quality protection

Our Flexible Protection Plan (FPP) is a menu plan designed to offer affordable, flexible and quality financial protection for mass market consumers who live permanently in the UK.

5 reasons to choose our menu plan:
  • Flexible options to meet clients’ needs and budgets, allowing you to tailor the plan to their protection needs
  • Award-winning Income Protection Solutions, which are at the heart of our menu.
  • Quality Life and Critical Illness Cover options, supporting your clients and their families when they need it the most.
  • In the moment support through LV= Doctor Services and Legal Advice Line.
  • Expert and professional support from our teams, so we’ll be there for you and your client every step of the way.

Award-winning Income Protection solutions for a wide range of occupations with tailored features and budget options:
  • Income Protection that covers your client’s income when they can’t work, with unique features built in at no added cost.
  • Personal Sick Pay providing income support for your clients in higher risk occupations when they can’t work.

Quality Critical Illness Cover options to support your clients through life changing moments
  • Life and Critical Illness Cover - our more affordable option covering the most claimed for conditions. Children’s cover is not included but can be added at an additional cost.
  • Life and Enhanced Critical Illness Cover - for extra peace of mind, protecting against more conditions, includes wider coverage for cancer and standard Children’s Cover at no additional cost.

Simple, straightforward Life Protection term assurance and Family Income Benefit:
  • Terminal illness benefit included
  • Guaranteed increase options available for specific life events

Pay My Mortgage facility is also included with Family Income Benefit, Income Protection and Personal Sick Pay, which means that a successful claimant may be able to have all or some of their claim paid directly to their lender to cover their regular mortgage payments.

A comprehensive 
Business Protection proposition provides Key Person as well as Shareholder and Partnership Protection:
  • Life Protection or Life with Critical Illness cover for Key Person/Shareholder and Partnership protection
  • Relevant Life Cover to provide death in service cover for employees.


Daily benefits: tangible and relevant from day one

From day one and throughout the term of a policy, all our protection products provide access to expert support and services at no additional cost:
  • LV= Doctors Services: Providing the policyholder (or on Business Protection policies, the life assured) with remote access to 6 medical services at no additional cost (including a 24/7 remote GP and prescription service)
  • Legal Advice Line: With our Legal Advice Line, your client and their family can speak to a team of legal advisers – at no additional cost.


Underwriting: an experienced in-house team helping you protect more clients and get their cover on risk quicker:


Claims: the moment of truth

A simple approach to paying claims with support for your client at every stage: ​​
  • Dedicated claims assessors
  • ​​​​Flexible tele-claims approach
  • Trained claims assessors
  • PDG charter approved


Great tools and support at your fingertips

 

Key contacts

Carl Heard, LV= National Account Manager
T: 07976 061567
E: [email protected] 

LV= Regional Account Managers
Find your 
LV= Protection Account Manager
Call: 0800 032 4219

If you need to ask us about underwriting, claims, quotes or anything else, visit the contact us section of our Adviser Centre. 

Information correct as at August 2023.

LV=

Links

Carl Heard
LV= National Account Manager

T: 07976 061567
E: [email protected] 


How to Register

If you are setting up agencies for the first time with providers

Please click here to set up an agency with LV=.

If you are an adviser to a firm that already has agencies

Life Protection: Please click here to register with LV=.

If you have applied for an agency and need to be setup on a provider’s online system

Life Protection: Please click here to register with LV=.