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Home > Insurers > LV=

LV= Life Insurance

Learn how LV= life insurance works, the cover options available and their rewards.

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Who is LV=?

LV= has over 180 years of experience in protecting families, with now over a million customers and with offices based in Bournemouth – Frizzell House, Exeter and Hitchin.


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What life insurance products do
LV= offer?

As one of the UK’s most well-known insurance companies, it offers a range of life insurance options so you can find one that is right for you.  

Level Term Life Insurance

You pay a fixed amount each month, and your cover amount stays the same for the whole policy term. If you pass away during this time, your loved ones receive an agreed cash lump sum. This can help with expenses like:

  • Mortgage/rent
  • Living costs & bills
  • Funeral costs
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Income Protection Insurance

If you can’t work because of illness or an accident, income protection insurance pays you part of your income, even if you’re self-employed. You could get up to 60% of your usual income. You could get an on-going, regular payment of up to 60% of your usual monthly income before tax.

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Life with Critical Illness Cover

LV= Critical illness covers you should you become critically ill (Critical Illness Glossary) during the policy term and, the illnesses covered will vary by insurer. The pay-out can be used to cover medical treatment expenses, bills, childcare and anything else you may need.  You can choose to add critical illness cover to your life insurance. There’s also an option to add cover for your child, if your child is diagnosed with a critical illness or passes away, you could get up to £35,000.   

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Hugo’s helpful notes:

We’re a non‑advised broker, so we don’t recommend specific products or insurers. These notes are for general information only to help you understand your options.

Not all types of cover listed above are available through Protect Line. Our specialists will be able to give you the options available to you and compare these against the insurers on our panel. 

What life insurance products do
LV= offer?

As one of the UK’s most well-known insurance companies, it offers a range of life insurance options so you can find one that is right for you.  

Level Term Life Insurance

You pay a fixed amount each month, and your cover amount stays the same for the whole policy term. If you pass away during this time, your loved ones receive an agreed cash lump sum. This can help with expenses like:

  • Mortgage/rent
  • Living costs and bills
  • Funeral costs
Get a free quote
Learn more
Income Protection Insurance

If you can’t work because of illness or an accident, income protection insurance pays you part of your income, even if you’re self-employed. You could get up to 60% of your usual income. You could get an on-going, regular payment of up to 60% of your usual monthly income before tax.

Get a free quote
Learn more
Life with Critical Illness Cover

LV= Critical illness covers you should you become critically ill (Critical Illness Glossary) during the policy term and, the illnesses covered will vary by insurer. The pay-out can be used to cover medical treatment expenses, bills, childcare and anything else you may need.  You can choose to add critical illness cover to your life insurance. There’s also an option to add cover for your child, if your child is diagnosed with a critical illness or passes away, you could get up to £35,000.   

Get a free quote

Hugo’s helpful notes:

We’re a non‑advised broker, so we don’t recommend specific products or insurers. These notes are for general information only to help you understand your options.

Not all types of cover listed above are available through Protect Line. Our specialists will be able to give you the options available to you and compare these against the insurers on our panel. 

Benefits of insuring with LV=

LV= offer a wide range of benefits alongside their policies. Many are available to all policy holders, whilst some are only available to those with specified cover: 

Protection policies offer LV= Doctor Services 

With certain LV= insurance policies (bought after 2017), you get access to LV= Doctor Services. This means you and your partner can use six expert medical services, either through an app or by phone. These services are provided in partnership with Square Health. 

Access to LV= Remote GPs

You and your partner get 25% off a health MOT. This is an optional check-up that comes in three levels and looks at different parts of your health—including your vital organs and blood tests. It’s a full health review to spot any risks and help you stay healthy. 

Discounted health MOTs with LV= 

A benefit of Legal & General, which applies to life insurance, decreasing life insurance and critical illness cover, is the ability to alter your policy. This is often referred to as a Guaranteed Insurability Option (or GIO) and is a standard of most insurers, allowing you to increase your policy without being reassessed (terms and conditions apply).  

24hr access to free legal advice 

The Legal Advice Line gives you access to a team of legal advisors who can talk to you about your rights and how to deal with various situations.

Prescription services provided through the LV= app 

You can get your prescribed medication delivered to your home or collect it from a local pharmacy. You’ll just need to pay for the medication and postage. The GP will explain any costs during your appointment. 

Mental health support through the LV= app 

You and your partner can get up to 5 free remote sessions each year with a qualified mental health professional. It starts with an assessment to find the right support for you, which might include counselling or CBT. Help is available for a range of conditions, like eating disorders, anxiety, depression, and OCD.  

Access to physiotherapy with LV= 

LV= is offering up to 5 remote sessions per year for you and your partner, given access to a qualified physiotherapist without the need of a GP referral.   

Member Support Fund

The LV= Member Support Fund is a financial assistance programme designed to help members facing unexpected financial hardship or “curve balls” in life.

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Join over 500,000 UK families who’ve taken out life insurance with Protect Line

Life insurance gives your family financial protection if something happens to you. It can help with mortgage payments, bills, and everyday costs. Protect Line compares quotes from top insurers like Scottish Widows to find the right cover for your family’s needs

Get your LV= life insurance quotes today.

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Why LV=?

As a non-advised broker, Protect Line doesn’t tell you which insurer to choose. We give you all the facts, so you can decide what’s best for you. Here are some more details about LV= you might find helpful:

High claims payout

LV= paid out 95% of all individual protection claims including those already in payment, for life insurance, critical illness and income protection in 2024. This amounted to nearly £137 million in total pay outs, with £33 million paid out for critical illness claims and more than £80 million for life insurance.   

Committed to fair, transparent claims

LV= signed up to The Protection Distributors Group’ (PDG) Claim Charter, reinforcing dedication to delivering the highest standards throughout the claim experience. 

Go.Compare People’s Choice winner

LV= were the 2022 winners of Go Compare’s People’s Choice Awards for Life Insurance. 

5‑star rated by myTribe Insurance Experts

LV= Life Protection Awarded 5 Stars by myTribe Insurance Experts 2026. 

Best Income Protection Provider

They were also awarded Best Income Protection Provider at the LifeSearch Awards 2025, voted for by their searchers. 

Moneyfacts award‑winning protection

In 2025, LV= won the Moneyfacts award for Best Income Protection Provider, highly commended for Best Critical Illness Provider and commended for Best Protection Service. 

Defaqto 5‑star rated products

LV=’s Level Term, Decreasing Term and Income Protection products received 5-star rating by the Defaqto rating system for LV= protection in 2026.

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