Compare LV= life insurance

One of the UK’s largest insurance providers,
LV= (Liverpool Victoria) are a trusted voice and an award-winning provider in the life insurance market. Here’s more information on the types of life insurance they offer.

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What are the main types of life insurance offered by LV=?

LV= offers two options for life insurance: level cover and decreasing cover.

  • Level cover – pays out a lump sum should you die during the term (length) of the policy; both the amount you’re covered for, and your premiums, are fixed for the duration of the term. With LV=, choose cover between 5 and 45 years.  
  • Decreasing cover – with this type of policy, the amount of money you’re covered for reduces over time, making this a good option to cover the reducing amount you may owe on a repayment mortgage or other loans. Again, choose cover between 5 and 45 years.
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You can choose to take out life cover either as a single or joint policy. 

  • Single life cover – insures one person, and this policy pays out if there is a claim to that person during the term of a policy. Single life insurance only pays out once.
  • Joint life cover – this type of policy covers two people’s lives, but also only pays out once. This payment will usually be a lump sum, which goes to the survivor after the first person dies within the term of a policy. The policy then ends, with no further life insurance cover for the survivor.

Terminal illness cover – this cover is included at no extra cost, and pays out a lump sum if you are diagnosed with an incurable illness

LV= life insurance – optional extras

LV= offers a number of optional extras that can be added to a policy.  

Critical illness cover will pay out a lump sum if you are diagnosed with a certain illness that is named in the policy. LV= lists 63 conditions in total, and offers critical illness cover of up to 40 years.

Income Protection could cover your monthly mortgage, bills and lifestyle costs should you be off work due to sickness or an accident.

What are the benefits of choosing LV=?

Some of the benefits of choosing LV= as a life insurance provider include:

  • Cover starts from as little as £5 per month
  • LV= paid out for 95% of life insurance claims in 2018
  • Access to its member benefits at no extra cost. For example, the LV= Doctor Services app.
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Where can I get more help on LV= life insurance?

If you need any further guidance on LV=’s life insurance, you can call insurance experts LifeSearch on 0800 072 1147 (Mon-Thurs 8am - 8pm, Fri 8am – 7pm and Sat 9am - 2.30pm, Sun: 10 am - 3.30pm).

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