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href="/smoothed-investments/smoothed-pension" target="_self" class="" title="Smoothed Pension" role="menuitem"><span>Smoothed Pension</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= TIP</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/tip" target="_self" class="" title="LV= TIP" role="menuitem"><span>LV= TIP</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool" target="_blank" class="" title="TIP valuation" role="menuitem"><span>LV= TIP valuation</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/pensions" target="_self" class="" title="Retirement" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Retirement</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Pensions</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/pensions" target="_self" class="" title="Our pension offering" role="menuitem"><span>Our pension offering</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li><li><a href="/pensions/core-options" target="_self" class="" title="Personal pension (core)" role="menuitem"><span>Core options (LV= SIPP)</span></a></li><li><a href="/pensions/partner-and-extended-options" target="_self" class="" title="SIPP (selected and extended)" role="menuitem"><span>Selected Partner and Extended options (LV= SIPP)</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Guaranteed Income Solutions</span><span class="icon-arrow"></span></a><div 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href="/personal-protection" target="_self" class="" title="Protection" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Personal Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/personal-protection" target="_self" class="" title="Personal Protection" role="menuitem"><span>Personal Protection</span></a></li><li><a href="/personal-protection/income-protection" target="_self" class="" title="Income Protection" role="menuitem"><span>Income Protection</span></a></li><li><a href="/personal-protection/life-and-critical-illness" target="_self" class="" title="Life and Critical Illness" role="menuitem"><span>Life and Critical Illness</span></a></li><li><a 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treatment</span></a></li><li><a href="/business-protection/business-protection-guide" target="_self" class="" title="Guide to Business Protection" role="menuitem"><span>Guide to Business Protection</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Equity Release</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Products</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum" target="_self" class="" title="Lifetime Mortgage Lump Sum Plus" role="menuitem"><span>Lifetime Mortgage Lump Sum Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown" target="_self" class="" title="Lifetime Mortgage Drawdown Plus" role="menuitem"><span>Lifetime Mortgage Drawdown Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum-lifestyle" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown-lifestyle" target="_self" class="" title="Lifetime Mortgage Drawdown Lifestyle" role="menuitem"><span>Lifetime Mortgage Drawdown Lifestyle</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/contact-us/equity-release" target="_self" class="" title="Contact us" role="menuitem"><span>Contact us</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Resources</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Resources</h3><ul class="children"><li><a href="/online-services/equity-release-portal" target="_self" class="" title="Equity Release Portal" role="menuitem"><span>Equity Release Portal</span></a></li><li><a href="/online-services/equity-release-portal/faqs" target="_self" class="" title="Equity Release Portal FAQs" role="menuitem"><span>Equity Release Portal FAQs</span></a></li><li><a href="/equity-release/adviser-marketing-hub" target="_self" class="" title="Adviser Marketing Hub" role="menuitem"><span>Adviser Marketing Hub</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class="" title="Equity Release videos and webinars" role="menuitem"><span>Equity Release videos and webinars</span></a></li><li><a href="/equity-release/early-repayment-calculator" target="_self" class="" title="Lifetime 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href="/supporting-you/protection-underwriting/misrepresentation" target="_self" class="" title="Underwriting misrepresentation" role="menuitem"><span>Underwriting misrepresentation</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Trusts</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/trusts" target="_self" class="" title="Trusts" role="menuitem"><span>Trusts</span></a></li><li><a href="/supporting-you/trusts/types-of-trust" target="_self" class="" title="Types of trusts" role="menuitem"><span>Types of trusts</span></a></li><li><a href="/supporting-you/trusts/trs" target="_self" class="" title="Trust Registration Service - FAQs" role="menuitem"><span>Trust Registration Service - FAQs</span></a></li></ul></li></ul></div></li><li class=""><a 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class="children"><li><a href="/supporting-your-client/member-benefits" target="_self" class="" title="Member benefits" role="menuitem"><span>Member benefits</span></a></li><li><a href="/supporting-your-client/member-benefits/legal-advice" target="_self" class="" title="Legal Advice Line" role="menuitem"><span>Legal Advice Line</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li></ul></li></ul></div></li></ul></div></li><li class="doc-library"><a href="/document-library" target="_self" class="" title="Document Library" role="menuitem"><span>Document Library</span><span class="icon-arrow"></span></a></li></ul></div></div><div class="product-nav hide-left"><ul><li class="active heading"><a 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5pm, Monday &ndash; Friday","emailIcon":null,"email":""},{"titleHeading":{"label":"Underwriting","type":"h3"},"mainPhoneIcon":{"src":"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg?iar=0&amp;hash=377F063D013F5722284D1756F5E46D90\" alt=\"Phone-Call icon\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"Phone-Call icon","isEditMode":false},"phoneUrl":"08006781893","mainPhone":"0800 678 1893 ","contactDetail":"<p>For TextDirect: first dial 18001<br />\nLines are open 9am &ndash; 5pm, Monday &ndash; Friday</p>\n<p><a rel=\"noopener noreferrer\" href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\" title=\"Use our pre-underwriting tool 24/7, for indicative decisions for hundreds of conditions and scenarios\">Use our pre-underwriting tool 24/7, for indicative decisions for hundreds of conditions and scenarios</a></p>","emailIcon":{"src":"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg?iar=0&amp;hash=2CC804C63D80299DCC776C3266624865\" alt=\"email-letter-envelope\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"email-letter-envelope","isEditMode":false},"email":"pre.underwriting@lv.com"},{"titleHeading":{"label":"Application status, underwriting or commission queries","type":"h3"},"mainPhoneIcon":{"src":"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg?iar=0&amp;hash=377F063D013F5722284D1756F5E46D90\" alt=\"Phone-Call icon\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"Phone-Call icon","isEditMode":false},"phoneUrl":"08000286333 ","mainPhone":"0800 028 6333 ","contactDetail":"<p>For TextDirect: first dial 18001<br />\nLines are open 9am &ndash; 6pm, Monday &ndash; Friday</p>\n<p><a rel=\"noopener noreferrer\" href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub\" target=\"_blank\" title=\"Use our Protection Progress Hub to check the status of your application\">Use our Protection Progress Hub to check the status of your application</a></p>\n<p>Email us to ask for a policy to go live:</p>","emailIcon":{"src":"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg?iar=0&amp;hash=2CC804C63D80299DCC776C3266624865\" alt=\"email-letter-envelope\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"email-letter-envelope","isEditMode":false},"email":"go.live@lv.com"},{"titleHeading":{"label":"Business protection status and support","type":"h3"},"mainPhoneIcon":{"src":"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg?iar=0&amp;hash=377F063D013F5722284D1756F5E46D90\" alt=\"Phone-Call icon\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"Phone-Call icon","isEditMode":false},"phoneUrl":"08000323962","mainPhone":"0800 032 3962","contactDetail":"For TextDirect: first dial 18001<br />\nLines are open 9am &ndash; 6pm, Monday &ndash; Friday","emailIcon":{"src":"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg?iar=0&amp;hash=2CC804C63D80299DCC776C3266624865\" alt=\"email-letter-envelope\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"email-letter-envelope","isEditMode":false},"email":"BP@lv.com"},{"titleHeading":{"label":"Large case team status and support","type":"h3"},"mainPhoneIcon":{"src":"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg?iar=0&amp;hash=377F063D013F5722284D1756F5E46D90\" alt=\"Phone-Call icon\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"Phone-Call icon","isEditMode":false},"phoneUrl":"08006781902","mainPhone":"0800 678 1902","contactDetail":"For TextDirect: first dial 18001<br />\nLines are open 9am &ndash; 6pm, Monday &ndash; Friday","emailIcon":{"src":"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/email-letter-envelope-24x24-2.svg?iar=0&amp;hash=2CC804C63D80299DCC776C3266624865\" alt=\"email-letter-envelope\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"email-letter-envelope","isEditMode":false},"email":"LCTAdmin@lv.com"},{"titleHeading":{"label":"Post-sale servicing","type":"h3"},"mainPhoneIcon":{"src":"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg","html":"<img src=\"/-/life/media/athena/icons/small/phone-contact-call-24x24-2.svg?iar=0&amp;hash=377F063D013F5722284D1756F5E46D90\" alt=\"Phone-Call icon\" />","Size":{"Height":0,"Width":0},"Extension":"svg","alt":"Phone-Call icon","isEditMode":false},"phoneUrl":"08006781906","mainPhone":"0800 678 1906","contactDetail":"For TextDirect: first dial 18001<br />\nLines are open 9am &ndash; 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