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Why get life insurance from LV=?
Liverpool Victoria was established in 1843 to help poorer families in Liverpool cover the costs of a decent funeral.
Today, the company better known as LV= serves more than a million members and customers across the UK as an investment, protection and retirement specialist. With 180 years’ experience, LV is still committed to its founding belief – that all individuals should have access to affordable insurance and independent, regulated financial advice.
As a mutual company, LV isn’t owned by private shareholders. Profits are reinvested for the benefit and future growth of its communities.
One of the UK’s leading life insurance providers, LV’s financial protection packages also cover pensions and retirement, income protection and equity release.
LV also offers a range of general insurance products including home insurance, travel insurance and car insurance.
How to contact LV=
For life insurance enquiries and independent advice on taking out life cover, call LV’s partners at LifeSearch on 0800 197 2266 (Monday to Thursday 8am-8pm, Friday 8am-6pm).
Alternatively, you can email LV: [email protected]
What types of life insurance can I get with LV=?
LV offers two main types of life insurance:
Level term life insurance
Pays out a lump sum if you die within the policy term. Both the pay-out amount and the premiums are fixed for the length of your policy.
Decreasing term life insurance
The amount you’re covered for decreases each year, so it’s typically taken out to cover a repayment mortgage. This is usually a cheaper option than level term cover.
LV life insurance can be bought as a single or joint policy.
Policy features include:
LV= Doctor Services
Free access to six expert medical services including a remote GP, prescription services and mental health support.
Terminal illness cover
Included as standard at no extra cost
Choose the amount of cover you need and the policy length, from five to 50 years.
Free legal advice
24/7 access to Legal Advice Line offering expert advice on any legal issues you and your family may have.
No increase in the cost of your future premiums unless you change your cover
Option to increase your cover after certain life events, without the need for a medical.
What optional extras are available?
LV= also gives you the option of buying life insurance with added critical illness cover. This type of policy will pay out a lump sum if you’re diagnosed with a critical condition listed in your policy.
For an additional cost, you can also add children’s critical illness cover. It offers up to £35,000 in cover if any of your children are diagnosed with a critical condition listed in your policy.
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 Correct as of June 2023.
What Defaqto star ratings do LV= insurance policies get?
LV’s life and critical illness cover is rated 5 stars by Defaqto. LV’s level term life insurance is rated 3 stars.
A Defaqto 5-star rating corresponds to an ‘excellent product with a comprehensive range of features and benefits’.
A Defaqto 3-star rating corresponds to a ‘standard product providing an average level of features and benefits’.
Frequently asked questions
Can I cancel a policy with LV=?
You can cancel your life insurance policy at any time by calling LV on 0800 678 1906.
If you cancel within 30 days of your policy starting, LV will refund your premiums. If you cancel after the 30-day ‘cooling off’ period, you won’t receive a refund for the premiums you’ve already paid.
Who underwrites policies from LV=?
LV life insurance policies are underwritten by the Liverpool Victoria Insurance Company Ltd.
What additional benefits are available from LV=?
Additional benefits of buying LV life insurance include:
- Member benefits – save money on LV general insurance products including home, car, pet and travel insurance.
- High claims success rate – 97% of LV claims were paid in 2022.
- Fast claims process – LV aims to pay a claim within three days of making a final decision.
- Unbiased, independent advice – LV has partnered with LifeSearch to offer no-fee independent advice to help you find the right protection cover for you.
- Carbon-neutral organisation – LV has offset 110% of its total emissions while supporting worthwhile projects.