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

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.

• 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.

• 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.

• Terminal illness benefit included
• Guaranteed increase options available for specific life events

• 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

• 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:

• Market leading non-medical underwriting limits
• High straight-through processing rates
• Free pre-underwriting cover for mortgage applications (terms apply) 
• Time-saving pre-underwriting tool

Claims: the moment of truth

• Dedicated claims assessors
• ​​​​Flexible tele-claims approach
• Trained claims assessors
• PDG charter approved

Great tools and support at your fingertips

• LV= Risk Reality Calculator – sells the need for protection without you having to
• Protection Matchmaker - Designed to help you build a tailored protection solution for your clients.
• Fastway quote & apply system – register here
• Protection Progress Hub – track your online applications
• Consumer Duty Hub - Helping you to support your clients in making effective, timely and informed decisions about protection products.
• Webinar programme - top up your CPD and access topical insights, product support and actionable ideas
• All our other tools and calculators are here.

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 Account Manager section of our Adviser Centre.

Information correct as at August 2023.