

<!DOCTYPE html>
<html lang="en">

<head>
    <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=1">
    <meta http-equiv="content-type" content="text/html; charset=UTF-8" />
    <meta http-equiv="X-UA-Compatible" content="IE=edge" />

    <link rel="icon" href="/Athena_Icons/favicon.ico" />
    <!-- OneTrust Cookies Consent Notice start for lvadviser.com -->
<script type="text/javascript" src="https://cdn-ukwest.onetrust.com/consent/2e928774-799b-4c64-9cb0-9d5b40d51598/OtAutoBlock.js" ></script>
<script src="https://cdn-ukwest.onetrust.com/consent/2e928774-799b-4c64-9cb0-9d5b40d51598/otSDKStub.js"  type="text/javascript" charset="UTF-8" data-domain-script="2e928774-799b-4c64-9cb0-9d5b40d51598" ></script>
<script type="text/javascript">
function OptanonWrapper() { }
</script>                    <script type="text/javascript" async="" src="https://www.google-analytics.com/analytics.js"></script>

    <!-- OneTrust Cookies Consent Notice end for lvadviser.com -->


    <!--Livechat-->
    

    <!--Livechat-->
    <!--head-->
    <script>
// Define dataLayer and the gtag function.
window.dataLayer = window.dataLayer || [];
function gtag() { dataLayer.push(arguments); }
// Default ad_storage to 'denied'.
gtag('consent', 'default', {
'ad_storage': 'denied',
'ad_user_data': 'denied',
'ad_personalization': 'denied',
'analytics_storage': 'denied',
'wait_for_update': 500
}); 
</script>        <!-- Google Tag Manager -->
<!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.setAttributeNode(d.createAttribute('data-ot-ignore'));j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-PMP567W');</script>
<!-- End Google Tag Manager -->        <!-- End Google Tag Manager -->
    <script type="text/javascript" src=""></script>



    <title>Equity Release Council | Equity Release | LV= Adviser</title>
    <meta name="description" content="LV= is committed to adding features and safeguards to our lifetime mortgage products. Understand what being a member of the Equity Release Council means for your client here." />
    <script>var category = 'Products'</script>
    <link rel="canonical" href="https://www.lvadviser.com/equity-release/equity-release-council" />
            <meta property="og:url" content="https://www.lvadviser.com/equity-release/equity-release-council" />


    <!--/head-->

    <script data-desc="Namespace object">
        var LVSiteConfigs = { components: { data: [] } };
    </script>

    
        <script type="text/javascript">
            !function(v,y,T){var S=v.location,k="script",D="instrumentationKey",C="ingestionendpoint",I="disableExceptionTracking",E="ai.device.",b="toLowerCase",w=(D[b](),"crossOrigin"),N="POST",e="appInsightsSDK",t=T.name||"appInsights",n=((T.name||v[e])&&(v[e]=t),v[t]||function(l){var u=!1,d=!1,g={initialize:!0,queue:[],sv:"6",version:2,config:l};function m(e,t){var n={},a="Browser";return n[E+"id"]=a[b](),n[E+"type"]=a,n["ai.operation.name"]=S&&S.pathname||"_unknown_",n["ai.internal.sdkVersion"]="javascript:snippet_"+(g.sv||g.version),{time:(a=new Date).getUTCFullYear()+"-"+i(1+a.getUTCMonth())+"-"+i(a.getUTCDate())+"T"+i(a.getUTCHours())+":"+i(a.getUTCMinutes())+":"+i(a.getUTCSeconds())+"."+(a.getUTCMilliseconds()/1e3).toFixed(3).slice(2,5)+"Z",iKey:e,name:"Microsoft.ApplicationInsights."+e.replace(/-/g,"")+"."+t,sampleRate:100,tags:n,data:{baseData:{ver:2}}};function i(e){e=""+e;return 1===e.length?"0"+e:e}}var e,n,f=l.url||T.src;function a(e){var t,n,a,i,o,s,r,c,p;u=!0,g.queue=[],d||(d=!0,i=f,r=(c=function(){var e,t={},n=l.connectionString;if(n)for(var a=n.split(";"),i=0;i<a.length;i++){var o=a[i].split("=");2===o.length&&(t[o[0][b]()]=o[1])}return t[C]||(t[C]="https://"+((e=(n=t.endpointsuffix)?t.location:null)?e+".":"")+"dc."+(n||"services.visualstudio.com")),t}()).instrumentationkey||l[D]||"",c=(c=c[C])?c+"/v2/track":l.endpointUrl,(p=[]).push((t="SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details)",n=i,o=c,(s=(a=m(r,"Exception")).data).baseType="ExceptionData",s.baseData.exceptions=[{typeName:"SDKLoadFailed",message:t.replace(/\./g,"-"),hasFullStack:!1,stack:t+"\nSnippet failed to load ["+n+"] -- Telemetry is disabled\nHelp Link: https://go.microsoft.com/fwlink/?linkid=2128109\nHost: "+(S&&S.pathname||"_unknown_")+"\nEndpoint: "+o,parsedStack:[]}],a)),p.push((s=i,t=c,(o=(n=m(r,"Message")).data).baseType="MessageData",(a=o.baseData).message='AI (Internal): 99 message:"'+("SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details) ("+s+")").replace(/\"/g,"")+'"',a.properties={endpoint:t},n)),i=p,r=c,JSON&&((o=v.fetch)&&!T.useXhr?o(r,{method:N,body:JSON.stringify(i),mode:"cors"}):XMLHttpRequest&&((s=new XMLHttpRequest).open(N,r),s.setRequestHeader("Content-type","application/json"),s.send(JSON.stringify(i)))))}function i(e,t){d||setTimeout(function(){!t&&g.core||a()},500)}f&&((n=y.createElement(k)).src=f,!(o=T[w])&&""!==o||"undefined"==n[w]||(n[w]=o),n.onload=i,n.onerror=a,n.onreadystatechange=function(e,t){"loaded"!==n.readyState&&"complete"!==n.readyState||i(0,t)},e=n,T.ld<0?y.getElementsByTagName("head")[0].appendChild(e):setTimeout(function(){y.getElementsByTagName(k)[0].parentNode.appendChild(e)},T.ld||0));try{g.cookie=y.cookie}catch(h){}function t(e){for(;e.length;)!function(t){g[t]=function(){var e=arguments;u||g.queue.push(function(){g[t].apply(g,e)})}}(e.pop())}var s,r,o="track",c="TrackPage",p="TrackEvent",o=(t([o+"Event",o+"PageView",o+"Exception",o+"Trace",o+"DependencyData",o+"Metric",o+"PageViewPerformance","start"+c,"stop"+c,"start"+p,"stop"+p,"addTelemetryInitializer","setAuthenticatedUserContext","clearAuthenticatedUserContext","flush"]),g.SeverityLevel={Verbose:0,Information:1,Warning:2,Error:3,Critical:4},(l.extensionConfig||{}).ApplicationInsightsAnalytics||{});return!0!==l[I]&&!0!==o[I]&&(t(["_"+(s="onerror")]),r=v[s],v[s]=function(e,t,n,a,i){var o=r&&r(e,t,n,a,i);return!0!==o&&g["_"+s]({message:e,url:t,lineNumber:n,columnNumber:a,error:i,evt:v.event}),o},l.autoExceptionInstrumented=!0),g}(T.cfg));function a(){T.onInit&&T.onInit(n)}(v[t]=n).queue&&0===n.queue.length?(n.queue.push(a),n.trackPageView({})):a()}(window,document,{
			src: "https://js.monitor.azure.com/scripts/b/ai.2.min.js",
			crossOrigin: "anonymous",
			onInit: function(sdk) {
				sdk.addTelemetryInitializer(function(envelope) {
					envelope.tags["ai.cloud.role"] = "Prod-Athena";
				});
			},
			cfg: {
				connectionString: "InstrumentationKey=7a87f821-f33e-421a-81bd-a4f453010860;IngestionEndpoint=https://uksouth-0.in.applicationinsights.azure.com/;LiveEndpoint=https://uksouth.livediagnostics.monitor.azure.com/"
			}});
        </script>

    <!-- Includes Common Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/common.css?v=1.1.972.0' />

    <!-- Includes Template Specific Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/standardpage.css?v=1.1.972.0' />

</head>
<body class="">

    <div id="page">
        <!--script-top-->
            <!-- Google Tag Manager (noscript) -->
    <noscript>
        <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PMP567W"
                height="0" width="0" style="display: none; visibility: hidden"></iframe>
    </noscript>
    <!-- End Google Tag Manager (noscript) -->

        <!--/script-top-->
        <!--utility navigation-->
            <div class="react-component utilitynavigation" data-name="utilityNavigation" data-id="ef383607-9449-4091-a09f-fb80e2767ce2">
        <div id="ef383607-9449-4091-a09f-fb80e2767ce2"><div class="utility-navigation"><div class="link-container"><div class="link"><a href="https://www.lv.com/life" target="_self" class=" textlink" title="LV= Personal">LV= Personal</a></div><div class="link"><a href="/" target="_self" class=" active textlink" title="LV= Adviser">LV= Adviser</a></div></div></div></div>
    </div>

        <!--/utility navigation-->
        <!--Launchers-->
            <div class="react-component launchers" data-name="launchers" data-id="eb9fd859-e152-434e-b2a4-ddfc59b43046">
        <div id="eb9fd859-e152-434e-b2a4-ddfc59b43046"><div class="sticky-launchers-container lvp "><div class="inner-container"><div class="page-name"><h2 class="title ">Equity Release:</h2></div><div class="dd-container"><div tabindex="0" role="menuitem" class="dd-holder closed static "><span class="dd-title closed ">Quote &amp; Apply</span><span class="line"></span></div></div><div class="dd-container"><div tabindex="0" role="menuitem" class="dd-holder closed static "><span class="dd-title closed ">Servicing</span><span class="line"></span></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"launchers","reactName":"Athena.launchers","id":"eb9fd859-e152-434e-b2a4-ddfc59b43046","type":"dynamic","props":{"title":{"label":"Online Services","type":""},"pageTitle":{"label":"Equity Release:","type":"h2"},"userSessionApi":"/service/authentication/adviser/UserB2CSession","dropdowns":[{"label":"","enable":false,"options":[{"label":null,"description":null,"modallayer":false,"url":null,"isNewWindow":false,"popupItems":[],"popupDescription":null}]},{"label":"Quote &amp; Apply","enable":true,"options":[{"label":"FPP Fastway PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Fastway","isNewWindow":true,"permissions":["PROTECT_APPS"]}],"popupDescription":""},{"label":"Retirement view PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Savings and Retirement","isNewWindow":true,"permissions":["RS_APPS"]}],"popupDescription":""},{"label":"Equity Release","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://erportal.lvadviser.com/Intermediary","label":"Equity Release Portal","isNewWindow":true,"permissions":["INVEST_APPS","PROTECT_APPS","RS_APPS","SOL_APPS"]}],"popupDescription":""}]},{"label":"Servicing","enable":true,"options":[{"label":"Pension Servicing PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/","label":"Pension Servicing","isNewWindow":true,"permissions":["INVEST_APPS","RS_APPS"]}],"popupDescription":""},{"label":"ISA and Bond valuation tool PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/","label":"ISA/Bond Valuations","isNewWindow":true,"permissions":["INVEST_APPS"]}],"popupDescription":""},{"label":"Protection Progress Hub PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"/service/launchers/adviser/executelauncher?launcher=protection-progress-hub","label":"Protection Progress Hub","isNewWindow":true,"permissions":["PROTECT_APPS"]}],"popupDescription":""},{"label":"Equity Release","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://erportal.lvadviser.com/Intermediary","label":"Equity Release Portal","isNewWindow":true,"permissions":["INVEST_APPS","PROTECT_APPS","RS_APPS","SOL_APPS"]}],"popupDescription":""},{"label":"Daily Fund Prices PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://www.lvadviser.com/online-services/funds-centre","label":"Daily Fund prices","isNewWindow":false,"permissions":[]}],"popupDescription":""}]}]}});</script>
    </div>

        <!--/Launchers-->
        <!--header-->
            <div class="react-component header" data-name="header" data-id="75164ce3-1868-4bb2-b421-f9d183229377">
        <div id="75164ce3-1868-4bb2-b421-f9d183229377"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png"/><div class="header-wrapper"><a href="#skipnav" aria-hidden="false" class="sr-only enable-focus">SkipNav</a><div class="header-top"><div class="logo-holder"><a href="https://www.lvadviser.com" target="_self" class="logo"><img src="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png" alt="LV= Adviser Centre for Intermediaries"/></a></div><div class="top-nav"><ul><li class="contact"><a href="/contact-us" target="_self" class="icon-contact" title="Contact us"><span>Contact us</span></a></li><li class="search"><a href="/search" target="_self" class="icon-search" title="Search"><span>Search</span></a></li></ul><ul class="login-links"><li class="login"><a href="https://www.lvadviser.com/applications#login" target="_self" class="icon-login" title="Login" role="menuitem"><span>Login</span></a></li><li class="register"><a href="https://secwsgw.lv.com/adviser/registration" target="_self" class="icon-register" title="Register" role="menuitem"><span>Register</span></a></li></ul></div></div><div class="search-holder"><div class="search-elements" role="dialog" aria-modal="true"><div class="search-contents"><div class="search-header"><h2 class="title h2-regular">Search</h2><button aria-label="Close" class="icon-close-light" title="Close"></button></div><div class="search-body"><div class="input-field"></div><button class="cta-small secondary">Go</button></div><div class="error-message"><span></span></div></div></div><div class="overlay"></div></div><div class="nav-container"><div class="main-nav"><ul class="level0"><li class="has-sub"><a href="/smoothed-investments" target="_self" class="" title="Platform and Investments" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Platform and Investments</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>Smoothed Managed Funds</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" target="_self" class="" title="Smoothed Managed Funds" role="menuitem"><span>Smoothed Managed Funds</span></a></li><li><a href="/smoothed-investments/smoothing" target="_self" class="" title="Smoothing explained" role="menuitem"><span>Smoothing explained</span></a></li><li><a href="/smoothed-investments/fund-management" target="_self" class="" title="Fund management" role="menuitem"><span>Fund management</span></a></li><li><a href="/smoothed-investments/fund-management/risk-ratings" target="_self" class="" title="Risk ratings" role="menuitem"><span>Risk ratings</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="/smoothed-investments/with-profits" target="_self" class="" title="With-Profits" role="menuitem"><span>With-Profits</span></a></li><li><a href="/smoothed-investments/adviser-investment-centre" target="_self" class="" title="Adviser Investment Centre" role="menuitem"><span>Adviser Investment Centre</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= Platform Services</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="/platform-services" target="_self" class="" title="LV= Platform Services" role="menuitem"><span>LV= Platform Services</span><span class="updated">Updated</span></a></li><li><a href="/platform-services/isa-portfolio" target="_self" class="" title="ISA Portfolio" role="menuitem"><span>ISA Portfolio</span></a></li><li><a href="/platform-services/junior-isa-portfolio" target="_self" class="" title="Junior ISA Portfolio" role="menuitem"><span>Junior ISA Portfolio</span><span class="new">New</span></a></li><li><a href="/platform-services/pension-portfolio" target="_self" class="" title="Pension Portfolio" role="menuitem"><span>Pension Portfolio</span></a></li><li><a href="/platform-services/general-investment-account" target="_self" class="" title="General Investment Account" role="menuitem"><span>General Investment Account</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher" target="_blank" class="" title="Quote and apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher" 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= ISA</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/isa" target="_self" class="" title="LV= ISA" role="menuitem"><span>LV= ISA</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 and 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>Smoothed Bond (Onshore)</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/smoothed-bond" target="_self" class="" title="Smoothed Bond (Onshore)" role="menuitem"><span>Smoothed Bond (Onshore)</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>Smoothed Pension</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/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 class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/guaranteed-income-solutions/fixed-term-annuity" target="_self" class="" title="LV= Fixed Term Annuity" role="menuitem"><span>LV= Fixed Term Annuity</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment" target="_self" class="" title="LV= Fixed Term Investment" role="menuitem"><span>LV= Fixed Term Investment</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="/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown" target="_self" class="" title="Guaranteed Income Drawdown" role="menuitem"><span>Guaranteed Income Drawdown</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a 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 href="/personal-protection/life-protection" target="_self" class="" title="Life Protection" role="menuitem"><span>Life Protection</span></a></li><li><a href="/personal-protection/personal-sick-pay" target="_self" class="" title="Personal Sick Pay" role="menuitem"><span>Personal Sick Pay</span></a></li><li><a href="/personal-protection/family-income-benefit" target="_self" class="" title="Family Income Benefit" role="menuitem"><span>Family Income Benefit</span></a></li><li><a href="/personal-protection/gift-inter-vivos" target="_self" class="" title="Gift Inter Vivos" role="menuitem"><span>Gift Inter Vivos</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/personal-protection/flexible-protection-plan" target="_self" class="" title="Flexible Protection Plan" role="menuitem"><span>Flexible Protection Plan</span></a></li><li><a href="/personal-protection/income-protection-solutions" target="_self" class="" title="Income Protection Solutions" role="menuitem"><span>Income Protection Solutions</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" 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=protection-progress-hub" target="_blank" class="" title="Protection Progress Hub" role="menuitem"><span>Protection Progress Hub</span></a></li><li><a href="/online-services/fastway/pre-uw-tool" target="_self" class="" title="Pre-underwriting tool" role="menuitem"><span>Pre-underwriting tool</span></a></li><li><a href="/online-services/personal-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/personal-protection/why-income-protection" target="_self" class="" title="Why Income Protection" role="menuitem"><span>Why Income Protection</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Business 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="/business-protection" target="_self" class="" title="Business Protection" role="menuitem"><span>Business Protection</span></a></li><li><a href="/business-protection/relevant-life-cover" target="_self" class="" title="Relevant Life Cover" role="menuitem"><span>Relevant Life Cover</span></a></li><li><a href="/business-protection/key-person-cover" target="_self" class="" title="Key Person Cover" role="menuitem"><span>Key Person Cover</span></a></li><li><a href="/business-protection/share-and-partnership-protection" target="_self" class="" title="Share &amp; Partnership Protection" role="menuitem"><span>Share &amp; Partnership Protection</span></a></li><li><a href="/business-protection/executive-income-protection" target="_self" class="" title="Executive Income Protection" role="menuitem"><span>Executive Income Protection</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/online-services/business-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/business-protection/trusts" target="_self" class="" title="Business Protection &amp; Trusts" role="menuitem"><span>Business Protection &amp; Trusts</span></a></li><li><a href="/business-protection/tax-treatment" target="_self" class="" title="Tax treatment" role="menuitem"><span>Tax 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 Mortgage Early Repayment Calculator" role="menuitem"><span>Lifetime Mortgage Early Repayment Calculator</span></a></li><li><a href="/equity-release/lifetime-mortgages-updates" target="_self" class="" title="Lifetime mortgages updates" role="menuitem"><span>Lifetime mortgages updates</span></a></li><li><a href="/equity-release/equity-release-council" target="_self" class="" title="Equity Release Council" role="menuitem"><span>Equity Release Council</span></a></li></ul></li><li><h3 class="section-heading">Supporting your client</h3><ul class="children"><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</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></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/supporting-you" target="_self" class="" title="Support" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Support</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>Knowledge centre</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="/knowledge-centre" target="_self" class="" title="Knowledge centre" role="menuitem"><span>Knowledge centre</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library" target="_self" class="" title="Video and webinar library" role="menuitem"><span>Video and webinar library</span></a></li><li><a href="/knowledge-centre/protection-webinar-calendar" target="_self" class="" title="Protection webinar calendar" role="menuitem"><span>Protection webinar calendar</span></a></li><li><a href="/knowledge-centre/news-hub" target="_self" class="" title="News hub" role="menuitem"><span>News hub</span></a></li><li><a href="/knowledge-centre/article-library" target="_self" class="" title="Article library" role="menuitem"><span>Article library</span></a></li><li><a href="/knowledge-centre/fuel-for-life" target="_self" class="" title="Fuel for Life" role="menuitem"><span>Fuel for Life</span></a></li><li><a href="/knowledge-centre/reaching-resilience" target="_self" class="" title="Reaching Resilience" role="menuitem"><span>Reaching Resilience</span></a></li><li><a href="/knowledge-centre/technical-hub" target="_self" class="" title="Technical Hub" role="menuitem"><span>Technical Hub</span></a></li><li><a href="/pensions/tax-year-end" target="_self" class="" title="Tax year end" role="menuitem"><span>Tax year end</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Claims</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/claims" target="_self" class="" title="Claims" role="menuitem"><span>Claims</span></a></li><li><a href="/supporting-you/claims/our-claims-approach" target="_self" class="" title="Our approach to claims" role="menuitem"><span>Our approach to claims</span></a></li><li><a href="/supporting-you/claims/real-stories" target="_self" class="" title="Real stories" role="menuitem"><span>Real stories</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection underwriting</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/protection-underwriting" target="_self" class="" title="Protection underwriting" role="menuitem"><span>Protection underwriting</span></a></li><li><a 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 href="/supporting-you/protection-large-case-team" target="_self" class=" " title="Protection large case team" role="menuitem"><span>Protection large case team</span></a></li><li class=""><a href="/supporting-you/vulnerable-customers" target="_self" class=" " title="Vulnerable customers" role="menuitem"><span>Vulnerable customers</span></a></li><li class=""><a href="/supporting-you/suitability-letter-builder" target="_self" class=" " title="Suitability letter builder" role="menuitem"><span>Suitability letter builder</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Portals and integration</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="/adviser-portal" target="_self" class="" title="Savings and Retirement Adviser Portal" role="menuitem"><span>Savings and Retirement Adviser Portal</span></a></li><li><a href="/online-services" target="_self" class="" title="Online services" role="menuitem"><span>Online services</span></a></li><li><a href="/online-services/portals" target="_self" class="" title="Third party portals" role="menuitem"><span>Third party portals</span></a></li><li><a href="/online-services/integration" target="_self" class="" title="Back office integration" role="menuitem"><span>Back office integration</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/setting-up-an-agency" target="_self" class=" " title="Setting up an Agency" role="menuitem"><span>Setting up an Agency</span></a></li><li class=""><a href="/supporting-you/lv-news" target="_self" class=" " title="Our future plans" role="menuitem"><span>LV= news</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Consumer Duty</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/consumer-duty-hub" target="_self" class="" title="Consumer Duty" role="menuitem"><span>Consumer Duty</span></a></li><li><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class="" title="Protection" role="menuitem"><span>Protection</span></a></li><li><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class="" title="Savings and Retirement" role="menuitem"><span>Savings and Retirement</span></a></li><li><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/why-lv" target="_self" class="has-sub " title="Why LV=" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Why LV=</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-your-client/why-lv" target="_self" class="" title="Why LV=" role="menuitem"><span>Why LV=</span></a></li><li><a href="/supporting-your-client/why-lv/mutual-bonus" target="_self" class="" title="Mutual bonus" role="menuitem"><span>Mutual bonus</span></a></li><li><a href="/supporting-your-client/why-lv/lv-difference" target="_self" class="" title="Exit bonus" role="menuitem"><span>One-off bonus</span></a></li><li><a href="/supporting-your-client/why-lv/our-awards" target="_self" class="" title="Our awards" role="menuitem"><span>Our awards</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/member-benefits" target="_self" class="has-sub " title="Member benefits" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Member benefits</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-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><span id="skipnav" class="sr-only"></span></div></div>
<script>LVSiteConfigs.components.data.push({"name":"header","reactName":"Athena.header","id":"75164ce3-1868-4bb2-b421-f9d183229377","type":"dynamic","props":{"logo":{"src":"/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png","alt":"LV= Adviser Centre for Intermediaries","url":"https://www.lvadviser.com","target":"_self","html":null,"isEditMode":false},"partnerLogo":{"image":null},"backToLabel":"Back To","backToMainLabel":"Back To Main","skipNavLabel":"SkipNav","newLabel":"New","updatedLabel":"Updated","searchInput":{"label":"Search","type":"h2","defaultText":"Enter search term","ariaLabel":"","error":{"empty":"Please enter search term"}},"closeText":"Close","topNav":[{"type":"contact","link":{"Id":null,"Rel":null,"url":"/contact-us","label":"Contact us","html":"<a href=\"/contact-us\">Contact us</a>","target":"_self"}},{"type":"search","link":{"Id":null,"Rel":null,"url":"/search","label":"Search","html":"<a href=\"/search\">Search</a>","target":"_self"}}],"guestState":[{"link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/applications#login","label":"Login","html":"<a href=\"https://www.lvadviser.com/applications#login\">Login</a>","target":"_self"},"type":"login"},{"link":{"Id":null,"Rel":null,"url":"https://secwsgw.lv.com/adviser/registration","label":"Register","html":"<a href=\"https://secwsgw.lv.com/adviser/registration\">Register</a>","target":"_self"},"type":"register"}],"loggedInState":[{"link":{"Id":null,"Rel":null,"url":"/service/authentication/adviser/logout","label":"Logout","html":"<a href=\"/service/authentication/adviser/logout\">Logout</a>","target":"_self"},"type":"logout"},{"link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/myDetails","label":"User details","html":"<a href=\"https://portal.lvadviser.com/myDetails\" target=\"_blank\">User details</a>","target":"_blank"},"type":"profile"}],"mainNav":[{"label":"Platform and Investments","link":{"Id":null,"Rel":null,"url":"/smoothed-investments","label":"Platform and Investments","html":"<a href=\"/smoothed-investments\">Platform and Investments</a>","target":"_self"},"subNav":[{"label":"Smoothed Managed Funds","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Managed Funds","link":{"Id":null,"Rel":null,"url":"/smoothed-investments","label":"Smoothed Managed Funds","html":"<a href=\"/smoothed-investments\">Smoothed Managed Funds</a>","target":"_self"},"heading":false,"status":""},{"label":"Smoothing explained","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothing","label":"Smoothing explained","html":"<a href=\"/smoothed-investments/smoothing\">Smoothing explained</a>","target":"_self"},"heading":false,"status":""},{"label":"Fund management","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/fund-management","label":"Fund management","html":"<a href=\"/smoothed-investments/fund-management\">Fund management</a>","target":"_self"},"heading":false,"status":""},{"label":"Risk ratings","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/fund-management/risk-ratings","label":"Risk ratings","html":"<a href=\"/smoothed-investments/fund-management/risk-ratings\">Risk ratings</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""},{"label":"With-Profits","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/with-profits","label":"With-Profits","html":"<a href=\"/smoothed-investments/with-profits\">With-Profits</a>","target":"_self"},"heading":false,"status":""},{"label":"Adviser Investment Centre","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/adviser-investment-centre","label":"Adviser Investment Centre","html":"<a href=\"/smoothed-investments/adviser-investment-centre\">Adviser Investment Centre</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"LV= Platform Services","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= Platform Services","link":{"Id":null,"Rel":null,"url":"/platform-services","label":"LV= Platform Services","html":"<a href=\"/platform-services\">LV= Platform Services</a>","target":"_self"},"heading":false,"status":"Updated"},{"label":"ISA Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/isa-portfolio","label":"ISA Portfolio","html":"<a href=\"/platform-services/isa-portfolio\">ISA Portfolio</a>","target":"_self"},"heading":false,"status":""},{"label":"Junior ISA Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/junior-isa-portfolio","label":"Junior ISA Portfolio","html":"<a href=\"/platform-services/junior-isa-portfolio\">Junior ISA Portfolio</a>","target":"_self"},"heading":false,"status":"New"},{"label":"Pension Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/pension-portfolio","label":"Pension Portfolio","html":"<a href=\"/platform-services/pension-portfolio\">Pension Portfolio</a>","target":"_self"},"heading":false,"status":""},{"label":"General Investment Account","link":{"Id":null,"Rel":null,"url":"/platform-services/general-investment-account","label":"General Investment Account","html":"<a href=\"/platform-services/general-investment-account\">General Investment Account</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher","label":"Quote and apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher\" target=\"_blank\">Quote and apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher","label":"Servicing","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"LV= ISA","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= ISA","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/isa","label":"LV= ISA","html":"<a href=\"/smoothed-investments/isa\">LV= ISA</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote and apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote and apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"Smoothed Bond (Onshore)","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Bond (Onshore)","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothed-bond","label":"Smoothed Bond (Onshore)","html":"<a href=\"/smoothed-investments/smoothed-bond\">Smoothed Bond (Onshore)</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/ ","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/ \" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"Smoothed Pension","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Pension","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothed-pension","label":"Smoothed Pension","html":"<a href=\"/smoothed-investments/smoothed-pension\">Smoothed Pension</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"LV= TIP","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= TIP","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/tip","label":"LV= TIP","html":"<a href=\"/smoothed-investments/tip\">LV= TIP</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"LV= TIP valuation","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool","label":"TIP valuation","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool\" target=\"_blank\">TIP valuation</a>","target":"_blank"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Retirement","link":{"Id":null,"Rel":null,"url":"/pensions","label":"Retirement","html":"<a href=\"/pensions\">Retirement</a>","target":"_self"},"subNav":[{"label":"Pensions","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Our pension offering","link":{"Id":null,"Rel":null,"url":"/pensions","label":"Our pension offering","html":"<a href=\"/pensions\">Our pension offering</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""},{"label":"Core options (LV= SIPP)","link":{"Id":null,"Rel":null,"url":"/pensions/core-options","label":"Personal pension (core)","html":"<a href=\"/pensions/core-options\">Personal pension (core)</a>","target":"_self"},"heading":false,"status":""},{"label":"Selected Partner and Extended options (LV= SIPP)","link":{"Id":null,"Rel":null,"url":"/pensions/partner-and-extended-options","label":"SIPP (selected and extended)","html":"<a href=\"/pensions/partner-and-extended-options\">SIPP (selected and extended)</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Guaranteed Income Solutions","link":null,"subNav":[{"label":"Products","navItems":[{"label":"LV= Fixed Term Annuity","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-annuity","label":"LV= Fixed Term Annuity","html":"<a href=\"/guaranteed-income-solutions/fixed-term-annuity\">LV= Fixed Term Annuity</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Fixed Term Investment","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-investment","label":"LV= Fixed Term Investment","html":"<a href=\"/guaranteed-income-solutions/fixed-term-investment\">LV= Fixed Term Investment</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Guaranteed Income Drawdown","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown","label":"Guaranteed Income Drawdown","html":"<a href=\"/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown\">Guaranteed Income Drawdown</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection","label":"Protection","html":"<a href=\"/personal-protection\">Protection</a>","target":"_self"},"subNav":[{"label":"Personal Protection","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Personal Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection","label":"Personal Protection","html":"<a href=\"/personal-protection\">Personal Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Income Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/income-protection","label":"Income Protection","html":"<a href=\"/personal-protection/income-protection\">Income Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Life and Critical Illness","link":{"Id":null,"Rel":null,"url":"/personal-protection/life-and-critical-illness","label":"Life and Critical Illness","html":"<a href=\"/personal-protection/life-and-critical-illness\">Life and Critical Illness</a>","target":"_self"},"heading":false,"status":""},{"label":"Life Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/life-protection","label":"Life Protection","html":"<a href=\"/personal-protection/life-protection\">Life Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Personal Sick Pay","link":{"Id":null,"Rel":null,"url":"/personal-protection/personal-sick-pay","label":"Personal Sick Pay","html":"<a href=\"/personal-protection/personal-sick-pay\">Personal Sick Pay</a>","target":"_self"},"heading":false,"status":""},{"label":"Family Income Benefit","link":{"Id":null,"Rel":null,"url":"/personal-protection/family-income-benefit","label":"Family Income Benefit","html":"<a href=\"/personal-protection/family-income-benefit\">Family Income Benefit</a>","target":"_self"},"heading":false,"status":""},{"label":"Gift Inter Vivos","link":{"Id":null,"Rel":null,"url":"/personal-protection/gift-inter-vivos","label":"Gift Inter Vivos","html":"<a href=\"/personal-protection/gift-inter-vivos\">Gift Inter Vivos</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Flexible Protection Plan","link":{"Id":null,"Rel":null,"url":"/personal-protection/flexible-protection-plan","label":"Flexible Protection Plan","html":"<a href=\"/personal-protection/flexible-protection-plan\">Flexible Protection Plan</a>","target":"_self"},"heading":false,"status":""},{"label":"Income Protection Solutions","link":{"Id":null,"Rel":null,"url":"/personal-protection/income-protection-solutions","label":"Income Protection Solutions","html":"<a href=\"/personal-protection/income-protection-solutions\">Income Protection Solutions</a>","target":"_self"},"heading":false,"status":""},{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Quote & apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Protection Progress Hub","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub","label":"Protection Progress Hub","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub\" target=\"_blank\">Protection Progress Hub</a>","target":"_blank"},"heading":false,"status":""},{"label":"Pre-underwriting tool","link":{"Id":null,"Rel":null,"url":"/online-services/fastway/pre-uw-tool","label":"Pre-underwriting tool","html":"<a href=\"/online-services/fastway/pre-uw-tool\">Pre-underwriting tool</a>","target":"_self"},"heading":false,"status":""},{"label":"Tools &amp; calculators","link":{"Id":null,"Rel":null,"url":"/online-services/personal-protection-tools-and-calculators","label":"Tools & calculators","html":"<a href=\"/online-services/personal-protection-tools-and-calculators\">Tools & calculators</a>","target":"_self"},"heading":false,"status":""},{"label":"Why Income Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/why-income-protection","label":"Why Income Protection","html":"<a href=\"/personal-protection/why-income-protection\">Why Income Protection</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Business Protection","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Business Protection","link":{"Id":null,"Rel":null,"url":"/business-protection","label":"Business Protection","html":"<a href=\"/business-protection\">Business Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Relevant Life Cover","link":{"Id":null,"Rel":null,"url":"/business-protection/relevant-life-cover","label":"Relevant Life Cover","html":"<a href=\"/business-protection/relevant-life-cover\">Relevant Life Cover</a>","target":"_self"},"heading":false,"status":""},{"label":"Key Person Cover","link":{"Id":null,"Rel":null,"url":"/business-protection/key-person-cover","label":"Key Person Cover","html":"<a href=\"/business-protection/key-person-cover\">Key Person Cover</a>","target":"_self"},"heading":false,"status":""},{"label":"Share &amp; Partnership Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/share-and-partnership-protection","label":"Share & Partnership Protection","html":"<a href=\"/business-protection/share-and-partnership-protection\">Share & Partnership Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Executive Income Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/executive-income-protection","label":"Executive Income Protection","html":"<a href=\"/business-protection/executive-income-protection\">Executive Income Protection</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Quote & apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Tools &amp; calculators","link":{"Id":null,"Rel":null,"url":"/online-services/business-protection-tools-and-calculators","label":"Tools & calculators","html":"<a href=\"/online-services/business-protection-tools-and-calculators\">Tools & calculators</a>","target":"_self"},"heading":false,"status":""},{"label":"Business Protection &amp; Trusts","link":{"Id":null,"Rel":null,"url":"/business-protection/trusts","label":"Business Protection & Trusts","html":"<a href=\"/business-protection/trusts\">Business Protection & Trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Tax treatment","link":{"Id":null,"Rel":null,"url":"/business-protection/tax-treatment","label":"Tax treatment","html":"<a href=\"/business-protection/tax-treatment\">Tax treatment</a>","target":"_self"},"heading":false,"status":""},{"label":"Guide to Business Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/business-protection-guide","label":"Guide to Business Protection","html":"<a href=\"/business-protection/business-protection-guide\">Guide to Business Protection</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":"<a href=\"/equity-release\">Equity Release</a>","target":"_self"},"subNav":[{"label":"Products","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":"<a href=\"/equity-release\">Equity Release</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Lump Sum Plus","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum","label":"Lifetime Mortgage Lump Sum Plus","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum\">Lifetime Mortgage Lump Sum Plus</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Drawdown Plus","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-drawdown","label":"Lifetime Mortgage Drawdown Plus","html":"<a href=\"/equity-release/lifetime-mortgage-drawdown\">Lifetime Mortgage Drawdown Plus</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Lump Sum Lifestyle","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum-lifestyle","label":"Lifetime Mortgage Lump Sum Lifestyle","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum-lifestyle\">Lifetime Mortgage Lump Sum Lifestyle</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Drawdown Lifestyle","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-drawdown-lifestyle","label":"Lifetime Mortgage Drawdown Lifestyle","html":"<a href=\"/equity-release/lifetime-mortgage-drawdown-lifestyle\">Lifetime Mortgage Drawdown Lifestyle</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Contact us","link":{"Id":null,"Rel":null,"url":"/contact-us/equity-release","label":"Contact us","html":"<a href=\"/contact-us/equity-release\">Contact us</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Resources","link":null,"subNav":[{"label":"Resources","navItems":[{"label":"Equity Release Portal","link":{"Id":null,"Rel":null,"url":"/online-services/equity-release-portal","label":"Equity Release Portal","html":"<a href=\"/online-services/equity-release-portal\">Equity Release Portal</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release Portal FAQs","link":{"Id":null,"Rel":null,"url":"/online-services/equity-release-portal/faqs","label":"Equity Release Portal FAQs","html":"<a href=\"/online-services/equity-release-portal/faqs\">Equity Release Portal FAQs</a>","target":"_self"},"heading":false,"status":""},{"label":"Adviser Marketing Hub","link":{"Id":null,"Rel":null,"url":"/equity-release/adviser-marketing-hub","label":"Adviser Marketing Hub","html":"<a href=\"/equity-release/adviser-marketing-hub\">Adviser Marketing Hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release videos and webinars","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/video-and-webinar-library/equity-release","label":"Equity Release videos and webinars","html":"<a href=\"/knowledge-centre/video-and-webinar-library/equity-release\">Equity Release videos and webinars</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Early Repayment Calculator","link":{"Id":null,"Rel":null,"url":"/equity-release/early-repayment-calculator","label":"Lifetime Mortgage Early Repayment Calculator","html":"<a href=\"/equity-release/early-repayment-calculator\">Lifetime Mortgage Early Repayment Calculator</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime mortgages updates","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgages-updates","label":"Lifetime mortgages updates","html":"<a href=\"/equity-release/lifetime-mortgages-updates\">Lifetime mortgages updates</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release Council","link":{"Id":null,"Rel":null,"url":"/equity-release/equity-release-council","label":"Equity Release Council","html":"<a href=\"/equity-release/equity-release-council\">Equity Release Council</a>","target":"_self"},"heading":false,"status":""}]},{"label":"Supporting your client","navItems":[{"label":"Care navigator","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/care-navigator","label":"Care navigator","html":"<a href=\"/supporting-your-client/care-navigator\">Care navigator</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Doctor Services","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/doctors-services","label":"LV= Doctor Services","html":"<a href=\"/supporting-your-client/doctors-services\">LV= Doctor Services</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Support","link":{"Id":null,"Rel":null,"url":"/supporting-you","label":"Support","html":"<a href=\"/supporting-you\">Support</a>","target":"_self"},"subNav":[{"label":"Knowledge centre","link":null,"subNav":[{"label":"More","navItems":[{"label":"Knowledge centre","link":{"Id":null,"Rel":null,"url":"/knowledge-centre","label":"Knowledge centre","html":"<a href=\"/knowledge-centre\">Knowledge centre</a>","target":"_self"},"heading":false,"status":""},{"label":"Video and webinar library","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/video-and-webinar-library","label":"Video and webinar library","html":"<a href=\"/knowledge-centre/video-and-webinar-library\">Video and webinar library</a>","target":"_self"},"heading":false,"status":""},{"label":"Protection webinar calendar","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/protection-webinar-calendar","label":"Protection webinar calendar","html":"<a href=\"/knowledge-centre/protection-webinar-calendar\">Protection webinar calendar</a>","target":"_self"},"heading":false,"status":""},{"label":"News hub","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/news-hub","label":"News hub","html":"<a href=\"/knowledge-centre/news-hub\">News hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Article library","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/article-library","label":"Article library","html":"<a href=\"/knowledge-centre/article-library\">Article library</a>","target":"_self"},"heading":false,"status":""},{"label":"Fuel for Life","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/fuel-for-life","label":"Fuel for Life","html":"<a href=\"/knowledge-centre/fuel-for-life\">Fuel for Life</a>","target":"_self"},"heading":false,"status":""},{"label":"Reaching Resilience","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/reaching-resilience","label":"Reaching Resilience","html":"<a href=\"/knowledge-centre/reaching-resilience\">Reaching Resilience</a>","target":"_self"},"heading":false,"status":""},{"label":"Technical Hub","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/technical-hub","label":"Technical Hub","html":"<a href=\"/knowledge-centre/technical-hub\">Technical Hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Tax year end","link":{"Id":null,"Rel":null,"url":"/pensions/tax-year-end","label":"Tax year end","html":"<a href=\"/pensions/tax-year-end\">Tax year end</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Claims","link":null,"subNav":[{"label":"More","navItems":[{"label":"Claims","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims","label":"Claims","html":"<a href=\"/supporting-you/claims\">Claims</a>","target":"_self"},"heading":false,"status":""},{"label":"Our approach to claims","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims/our-claims-approach","label":"Our approach to claims","html":"<a href=\"/supporting-you/claims/our-claims-approach\">Our approach to claims</a>","target":"_self"},"heading":false,"status":""},{"label":"Real stories","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims/real-stories","label":"Real stories","html":"<a href=\"/supporting-you/claims/real-stories\">Real stories</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"Protection underwriting","link":null,"subNav":[{"label":"More","navItems":[{"label":"Protection underwriting","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-underwriting","label":"Protection underwriting","html":"<a href=\"/supporting-you/protection-underwriting\">Protection underwriting</a>","target":"_self"},"heading":false,"status":""},{"label":"Underwriting misrepresentation","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-underwriting/misrepresentation","label":"Underwriting misrepresentation","html":"<a href=\"/supporting-you/protection-underwriting/misrepresentation\">Underwriting misrepresentation</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Trusts","link":null,"subNav":[{"label":"More","navItems":[{"label":"Trusts","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts","label":"Trusts","html":"<a href=\"/supporting-you/trusts\">Trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Types of trusts","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts/types-of-trust","label":"Types of trusts","html":"<a href=\"/supporting-you/trusts/types-of-trust\">Types of trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Trust Registration Service - FAQs","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts/trs","label":"Trust Registration Service - FAQs","html":"<a href=\"/supporting-you/trusts/trs\">Trust Registration Service - FAQs</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Protection large case team","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-large-case-team","label":"Protection large case team","html":"<a href=\"/supporting-you/protection-large-case-team\">Protection large case team</a>","target":"_self"},"subNav":[]},{"label":"Vulnerable customers","link":{"Id":null,"Rel":null,"url":"/supporting-you/vulnerable-customers","label":"Vulnerable customers","html":"<a href=\"/supporting-you/vulnerable-customers\">Vulnerable customers</a>","target":"_self"},"subNav":[]},{"label":"Suitability letter builder","link":{"Id":null,"Rel":null,"url":"/supporting-you/suitability-letter-builder","label":"Suitability letter builder","html":"<a href=\"/supporting-you/suitability-letter-builder\">Suitability letter builder</a>","target":"_self"},"subNav":[]},{"label":"Portals and integration","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Savings and Retirement Adviser Portal","link":{"Id":null,"Rel":null,"url":"/adviser-portal","label":"Savings and Retirement Adviser Portal","html":"<a href=\"/adviser-portal\">Savings and Retirement Adviser Portal</a>","target":"_self"},"heading":false,"status":""},{"label":"Online services","link":{"Id":null,"Rel":null,"url":"/online-services","label":"Online services","html":"<a href=\"/online-services\">Online services</a>","target":"_self"},"heading":false,"status":""},{"label":"Third party portals","link":{"Id":null,"Rel":null,"url":"/online-services/portals","label":"Third party portals","html":"<a href=\"/online-services/portals\">Third party portals</a>","target":"_self"},"heading":false,"status":""},{"label":"Back office integration","link":{"Id":null,"Rel":null,"url":"/online-services/integration","label":"Back office integration","html":"<a href=\"/online-services/integration\">Back office integration</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"Setting up an Agency","link":{"Id":null,"Rel":null,"url":"/supporting-you/setting-up-an-agency","label":"Setting up an Agency","html":"<a href=\"/supporting-you/setting-up-an-agency\">Setting up an Agency</a>","target":"_self"},"subNav":[]},{"label":"LV= news","link":{"Id":null,"Rel":null,"url":"/supporting-you/lv-news","label":"Our future plans","html":"<a href=\"/supporting-you/lv-news\">Our future plans</a>","target":"_self"},"subNav":[]},{"label":"Consumer Duty","link":null,"subNav":[{"label":"More","navItems":[{"label":"Consumer Duty","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub","label":"Consumer Duty","html":"<a href=\"/supporting-you/consumer-duty-hub\">Consumer Duty</a>","target":"_self"},"heading":false,"status":""},{"label":"Protection","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/protection","label":"Protection","html":"<a href=\"/supporting-you/consumer-duty-hub/protection\">Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Savings and Retirement","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/savings-and-retirement","label":"Savings and Retirement","html":"<a href=\"/supporting-you/consumer-duty-hub/savings-and-retirement\">Savings and Retirement</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/equity-release","label":"Equity Release","html":"<a href=\"/supporting-you/consumer-duty-hub/equity-release\">Equity Release</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Why LV=","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv","label":"Why LV=","html":"<a href=\"/supporting-your-client/why-lv\">Why LV=</a>","target":"_self"},"subNav":[{"label":"More","navItems":[{"label":"Why LV=","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv","label":"Why LV=","html":"<a href=\"/supporting-your-client/why-lv\">Why LV=</a>","target":"_self"},"heading":false,"status":""},{"label":"Mutual bonus","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/mutual-bonus","label":"Mutual bonus","html":"<a href=\"/supporting-your-client/why-lv/mutual-bonus\">Mutual bonus</a>","target":"_self"},"heading":false,"status":""},{"label":"One-off bonus","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/lv-difference","label":"Exit bonus","html":"<a href=\"/supporting-your-client/why-lv/lv-difference\">Exit bonus</a>","target":"_self"},"heading":false,"status":""},{"label":"Our awards","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/our-awards","label":"Our awards","html":"<a href=\"/supporting-your-client/why-lv/our-awards\">Our awards</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Member benefits","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits","label":"Member benefits","html":"<a href=\"/supporting-your-client/member-benefits\">Member benefits</a>","target":"_self"},"subNav":[{"label":"More","navItems":[{"label":"Member benefits","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits","label":"Member benefits","html":"<a href=\"/supporting-your-client/member-benefits\">Member benefits</a>","target":"_self"},"heading":false,"status":""},{"label":"Legal Advice Line","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits/legal-advice","label":"Legal Advice Line","html":"<a href=\"/supporting-your-client/member-benefits/legal-advice\">Legal Advice Line</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Doctor Services","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/doctors-services","label":"LV= Doctor Services","html":"<a href=\"/supporting-your-client/doctors-services\">LV= Doctor Services</a>","target":"_self"},"heading":false,"status":""},{"label":"Care navigator","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/care-navigator","label":"Care navigator","html":"<a href=\"/supporting-your-client/care-navigator\">Care navigator</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""}],"productNav":[],"docLibrary":{"Id":null,"Rel":null,"url":"/document-library","label":"Document Library","html":"<a href=\"/document-library\">Document Library</a>","target":"_self"},"searchLinkText":"Go","userSessionApi":"/service/authentication/adviser/UserB2CSession","errorMessage":"Error","resultsFound":"Suggestions","searchAutoSuggestEndPoint":"/service/search/AutoSuggest","searchResultsPage":"/search"}});</script>
    </div>

        <!--/header-->
        <!--banner-header-->
            <div class="react-component bannerheader" data-name="bannerHeader" data-id="1ef04eea-ff88-44b3-9723-d298454c82bb">
        <div id="1ef04eea-ff88-44b3-9723-d298454c82bb"><div class="banner-fullbleed"><div class="banner-header"><div class="media-holder"></div><div class="content-holder null"><div class="banner-content no-curve"><h1 class="title small-heading">Equity Release Council</h1><h2 class="title h1"><p><span class="h1-size">We’re <span style="color: #cddc29;">members</span> of the Equity Release Council</span></p></h2><a href="https://erportal.lvadviser.com/Intermediary" target="new-window" class=" cta secondary" title="">Get a quote and apply</a></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"bannerHeader","reactName":"Athena.bannerHeader","id":"1ef04eea-ff88-44b3-9723-d298454c82bb","type":"dynamic","props":{"smallHeading":"Equity Release Council","smallHeadingType":"h1","mainHeading":"<p><span class=\"h1-size\">We’re <span style=\"color: #cddc29;\">members</span> of the Equity Release Council</span></p>","mainHeadingType":"","mainHeadingMobile":"<p><span class=\"h1-size\">We&rsquo;re <span style=\"color: #cddc29;\">members</span> of the Equity Release Council</span></p>","subTextLink":null,"subTextMobile":"","cta":{"label":"Get a quote and apply","type":"secondary","url":"https://erportal.lvadviser.com/Intermediary","target":"new-window"},"mediaType":"\"\"","image":null,"gif":null,"video":{"id":"","type":null},"contentAlignment":null,"brandIcon":null,"isEditMode":false,"html":null}});</script>
    </div>

        <!--/banner-header-->
        <!--breadcrumb-->
            <div class="react-component breadcrumb" data-name="breadcrumb" data-id="d275707b-21c6-44ea-a9dc-664f81f3a89a">
        <div id="d275707b-21c6-44ea-a9dc-664f81f3a89a"><div class="breadcrumb-Container"><div class="grid"><li><a href="/" class="breadcrumb-item textlink" title="Home">Home</a></li><span class="icon-arrow"> </span><li><a href="/equity-release" class="breadcrumb-item textlink" title="Equity Release">Equity Release</a></li><span class="icon-arrow"> </span><li><a class="breadcrumb-item textlink" title="Equity Release Council">Equity Release Council</a></li></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"breadcrumb","reactName":"Athena.breadcrumb","id":"d275707b-21c6-44ea-a9dc-664f81f3a89a","type":"dynamic","props":{"Breadcrumbitems":[{"link":{"Id":null,"Rel":null,"url":"/","label":"Home","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":null,"label":"Equity Release Council","html":null,"target":null}}]}});</script>
    </div>

        <!--/breadcrumb-->
        <!--Social-->
        
        <!--/breadcrumb-->
        <!--adviserwebchat-->
        
        <!--/adviserwebchat-->
        


<!--standard-->
    <div class="react-component featuredetails" data-name="featureDetails" data-id="b44a92c6-0169-437f-b77a-19febf65c52c">
        <div id="b44a92c6-0169-437f-b77a-19febf65c52c"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/erc-logo-v2-360x140.svg"/><div id="9f1bea36-d1f7-4d3a-a37a-d11060b3a315" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid intro-image image-left"><div class="img-align order2"><div><img src="/-/life/media/athena/images/logo/erc-logo-v2-360x140.svg" alt="Equity Release Council logo"/></div></div><div class="order1 grid-flex"><h2 class="title left">Equity Release Council</h2></div><div class="grid content-body order3"><span class="rte description left"><p>The Equity Release Council represents the equity release sector and exists to promote high standards of conduct and consumer safeguards. These standards and safeguards have allowed the equity release market to grow, giving financial advisers and their customers confidence in the products, dispelling myths about equity release, and educating the public about the potential to access the wealth in their home for a variety of uses. As a member, we ensure these high standards and safeguards are built into our lifetime mortgage products.</p>
<p>More from the <a rel="noopener noreferrer" href="https://www.equityreleasecouncil.com/" target="_blank">Equity Release Council</a><a href="https://www.equityreleasecouncil.com/">.</a></p></span></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="5a280ccd-1577-4a46-9af7-fbb0c85224b3">
        <div id="5a280ccd-1577-4a46-9af7-fbb0c85224b3"><link rel="preload" as="image" href="/-/life/media/athena/flourishes/large/pound-form-money-360x140-2.svg"/><div id="13f5d678-de9f-4535-b1ba-a59aa567e2b9" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid intro-image image-right"><div class="img-align order2"><div><img src="/-/life/media/athena/flourishes/large/pound-form-money-360x140-2.svg" alt="Document with £ sign, behind a stack of coins"/></div></div><div class="order1 grid-flex"><h2 class="title left">No Negative Equity Guarantee</h2></div><div class="grid content-body order3"><span class="rte description left"><p>We offer a No Negative Equity Guarantee. So if the future value of your client&rsquo;s home is lower than what they owe, their estate won&rsquo;t be in debt from our lifetime mortgage products. This is subject to our valuer agreeing the sale price is reasonable.</p></span></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="fa132654-5ad8-41d6-b62e-fefc7f971554">
        <div id="fa132654-5ad8-41d6-b62e-fefc7f971554"><link rel="preload" as="image" href="/-/life/media/athena/flourishes/large/equity-house-money-360x140-2.svg"/><div id="dfa333e7-ceab-4592-9a53-89ea4ec639e5" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid intro-image image-left"><div class="img-align order2"><div><img src="/-/life/media/athena/flourishes/large/equity-house-money-360x140-2.svg" alt="House behind a stack of coins"/></div></div><div class="order1 grid-flex"><h2 class="title left">Moving Home</h2></div><div class="grid content-body order3"><span class="rte description left"><p>Your client&rsquo;s home is more than bricks and mortar. We guarantee your client is safe to stay in their home for as long as they want to &ndash; as long as the conditions of their mortgage are met.<br />
<br />
If your client wants to move and transfer the mortgage, they can. They&rsquo;ll need to tell us in advance, and the new property will need to meet our lending criteria at that time.</p></span></div></div></div></div></div>
    </div>
    <div class="react-component callout" data-name="callOut" data-id="9942055b-6ac7-41c7-b0b0-f912153b2c11">
        <div id="9942055b-6ac7-41c7-b0b0-f912153b2c11"><link rel="preload" as="image" href="/-/life/media/athena/flourishes/small/contact-phone-bondi-160x120-2.svg"/><div id="1782252352359" class="callout-content-holder no-margin"><div class="callout-container dark fullbleed"><div class="inner-container left "><div class="image-block"><img src="/-/life/media/athena/flourishes/small/contact-phone-bondi-160x120-2.svg" class="callout-image" alt="Contact Phone"/></div><div class="content-block"><h2 class="title content-title">Let&#39;s talk</h2><a href="tel:0800 028 8974" target="_self" class="title contact-link textlink" title="0800 028 8974">0800 028 8974</a><span class="rte content-body"><p><strong>9am - 5pm Mon-Fri</strong></p>
<p>TextDirect: first dial 18001. We may record or monitor calls for training and audit purposes.</p></span></div></div></div></div></div>
    </div>

<!--/standard-->
        <!--/main-->
        <!--globalalert-->
        
        <!--/globalalert-->
        <!--cookieconsent-->
        
        <!--/cookieconsent-->
        <!--footer-content-->
            <div class="react-component footer" data-name="footer" data-id="b4e7f579-3845-4ad8-8164-1570a7075f2c">
        <div id="b4e7f579-3845-4ad8-8164-1570a7075f2c"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png"/><footer class="footer-container lvp"><div class="inner-container"><div class="links-container"><div class="nav-link"><a href="#" target="_self" class=" textlink" title="Cookie settings">Cookie settings</a></div><div class="nav-link"><a href="/legal" target="_self" class=" textlink" title="Legal">Legal</a></div><div class="nav-link"><a href="/lv-cookie-consent" target="_self" class=" textlink" title="Cookie consent">Cookie consent</a></div><div class="nav-link"><a href="/data-protection" target="_self" class=" textlink" title="Data protection">Data protection</a></div><div class="nav-link"><a href="/online-security" target="_self" class=" textlink" title="Online security">Online security</a></div><div class="nav-link"><a href="/accessibility" target="_self" class=" textlink" title="Accessibility">Accessibility</a></div><div class="nav-link"><a href="/service-status" target="_self" class=" textlink" title="Service status">Service status</a></div><div class="nav-link"><a href="/site-map" target="_self" class=" textlink" title="Sitemap">Sitemap</a></div></div><div class="footer-bottom"><div class="logo-block"><div class="logo-holder"><a href="https://www.lvadviser.com" target="_self" class=""><img src="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png" alt="ALT Text"/></a></div><span class="copyright"><p><strong> For UK Financial Advisers only</strong></p>
<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p></span></div><div class="footer-social"><div class="footer-media linkedin"><a href="https://www.linkedin.com/showcase/lvforadvisers" target="_self" class="footer-social-media" title="LinkedIn"><span class="icon icon-linkedin" alt="LinkedIn"></span></a></div><div class="footer-media twitter"><a href="https://twitter.com/LVforAdvisers" target="_self" class="icon-link" title="Twitter"><svg focusable="false" width="25" height="21" viewBox="0 0 25 21"><path d="M12.2228 8.8875L19.8685 0H18.0567L11.418 7.71689L6.11564 0H0L8.0182 11.6693L0 20.9892H1.81189L8.82259 12.8399L14.4223 20.9892H20.5379L12.2224 8.8875H12.2228ZM9.74121 11.7721L8.9288 10.6101L2.46474 1.36396H5.24769L10.4643 8.8259L11.2767 9.9879L18.0576 19.6873H15.2747L9.74121 11.7726V11.7721Z" fill="#04589B"></path></svg></a></div></div></div></div></footer></div>
<script>LVSiteConfigs.components.data.push({"name":"footer","reactName":"Athena.footer","id":"b4e7f579-3845-4ad8-8164-1570a7075f2c","type":"dynamic","props":{"expanderText":"Useful Links","copyrightText":"<p><strong> For UK Financial Advisers only</strong></p>\n<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p>","logo":{"src":"/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png","alt":"ALT Text","url":"https://www.lvadviser.com","target":"_self","html":null,"isEditMode":false},"socialLinks":[{"alt":"LinkedIn","channel":"linkedin","link":{"url":"https://www.linkedin.com/showcase/lvforadvisers","label":"","target":"_self"}},{"alt":"Twitter","channel":"twitter","link":{"url":"https://twitter.com/LVforAdvisers","label":"","target":"_self"}}],"navLinks":[{"link":{"Id":null,"Rel":null,"url":"javascript:Optanon.ToggleInfoDisplay();;","label":"Cookie settings","html":"<a href=\"javascript:Optanon.ToggleInfoDisplay();;\">Cookie settings</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/legal","label":"Legal","html":"<a href=\"/legal\">Legal</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/lv-cookie-consent","label":"Cookie consent","html":"<a href=\"/lv-cookie-consent\">Cookie consent</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/data-protection","label":"Data protection","html":"<a href=\"/data-protection\">Data protection</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/online-security","label":"Online security","html":"<a href=\"/online-security\">Online security</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/accessibility","label":"Accessibility","html":"<a href=\"/accessibility\">Accessibility</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/service-status","label":"Service status","html":"<a href=\"/service-status\">Service status</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/site-map","label":"Sitemap","html":"<a href=\"/site-map\">Sitemap</a>","target":"_self"}}]}});</script>
    </div>

        <!--/footer-content-->
        <!--script-footer-->
        
        <!--/script-footer-->


    </div>
    <!-- Includes Common js-->
    <script src='/life/athenadist/common.js?v=1.1.972.0'></script>

    <!-- Includes template Specific js-->
    <script src='/life/athenadist/js/mediators/standardpage.js?v=1.1.972.0'></script>

</body>
</html>
