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Our thought leadership reports take an in depth look at what influences people’s live – and how you can be prepared in how you work with your clients. Produced by our product experts, find information relating to our Protection, Retirement and Equity Release products.
A range of options: spotlight on our Extra Cautious and Growth Plus funds
13 March 2026
When it comes to investing, choice is key. That’s why we offer one of the broadest ranges of Smoothed Managed Funds in the market, giving advisers and clients the flexibility to match investments precisely to their risk appetite and goals.
Read 'A range of options: spotlight on our Extra Cautious and Growth Plus funds'
What does the Iran conflict mean for investors in LV’s Smoothed Managed Funds?
04 March 2026
Adam Ruddle, Chief Investment Officer at LV=, shares our positioning on the Iran conflict and initial market reactions.
Read 'What does the Iran conflict mean for investors in LV’s Smoothed Managed Funds?'
Investors seek lower-risk solutions as volatility persists
9 February 2026
Research from the LV= Wealth and Wellbeing report reveals certainty and stability remain top priorities for investors as economic uncertainty and volatility continue to shape decisions. But what solutions are available?
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Riding the waves: How Smoothed Managed Funds performed in turbulent times
23 October 2025
Financial markets are full of surprises—some exhilarating, some daunting. For investors, the real question isn’t whether volatility will strike, but how they can weather the storm when it does.
Why onshore bonds are back on the radar – and why it matters for your clients
29 July 2025
As tax planning grows more complex and market volatility continues to test clients’ confidence, advisers are under more pressure than ever to deliver value, not just in terms of investment performance, but in helping clients feel secure and in control.
Read 'Why onshore bonds are back on the radar – and why it matters for your clients'
Reimagining the 60/40 Portfolio: Integrating the LV= Fixed Term Investment to balance risk and return
21 July 2025
Advisers and investors have long returned to the traditional 60% equity/40% bonds portfolio to balance risk and return. However, with an increased emphasis on client composure and the investor experience, could you strike a better balance?
Smoothing the ride: Why LV’s Smoothed Managed Funds deserve a closer look in volatile times
11 April 2025
Markets have re-entered choppy waters – and clients are feeling it. Volatility is once again a defining feature of the investment landscape. For financial advisers, this means two things: portfolio resilience is being tested, and client confidence is under pressure.
Read 'Smoothing the ride: Why LV’s Smoothed Managed Funds deserve a closer look in volatile times'
The Retirement Bucket approach, but smoother
8 November 2024
After concerns about health, our research shows money (including not having enough money saved, or not being able to afford the lifestyle they want) is a top concern for consumers in retirement.
How the female wealth shift is reshaping investment strategies
26 September 2024
We explore the key considerations for financial advisers in developing more tailored and robust, goal-oriented investment strategies that cater to the needs and preferences of women.
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Retirement planning: the long-term impact of short-term thinking
26 September 2024
With increasing life expectancies and a shift from defined benefit to defined contribution pensions, we explore the importance of long-term investing in an evolving retirement landscape.
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Adapting to change: the evolution of investment strategies for a new generation of investors
24 September 2024
As financial service providers look to secure future clients in the UK, adapting to the needs and expectations of younger working generations is key.
Read 'Adapting to change: the evolution of investment strategies for a new generation of investors'
How to unlock a more human retirement advice proposition
30 August 2024
As greater regulatory focus lands on tailoring advice to the needs and characteristics of the individual client, understanding behavioural finance can provide a roadmap for your conversations, and offer clients a more composed path towards their investment objectives.
Read 'How to unlock a more human retirement advice proposition'
Onshore Bond – the forgotten wrapper
20 August 2024
In a landscape where financial advice often directs customers towards wrappers like an Individual Savings Account (ISA) or a Self-Invested Personal Pension (SIPP), Bonds, whether onshore or offshore underutilised financial planning tool.
Making protection personal
March 2026
If you’ve ever come away from a client meeting feeling your protection advice didn’t quite land, you’re not alone.
The evolution and future of underwriting
March 2026
The integration of artificial intelligence (AI) has the ability to transform underwriting process as we look to the future.
Top 5 adviser questions about selling income protection – answered
Kenny Reader, Protection Consultant, February 2026
Many advisers who routinely recommend life and critical illness cover are increasingly exploring income protection to provide more rounded, client-centred protection.
Read 'Top 5 adviser questions about selling income protection – answered'
5 ways to introduce income protection to your clients
Mark Crossley-May, Protection Consultant, February 2026
Here are 5 proven approaches to help financial advisers position income protection to clients with confidence, clarity and impact.
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10 signs your client might need income protection
Mark Crossley-May, Protection Consultant, February 2026
A person’s income pays for everything. What would happen if it stopped tomorrow?
How advisers like you are successfully introducing income protection
Sebastian Fajfer, Business Development Manager, February 2026
With many households relying on a single main income and savings often covering only a few months of expenses, even a short-term loss of earnings can put a client’s entire financial plan at risk.
Read 'How advisers like you are successfully introducing income protection'
Positioning protection conversations: refining your approach
Mike Farrell, November 2025
As the year draws to a close, now’s a great time to look back, reflect on how your protection conversations went this year, and consider how you can improve them going into 2026.
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Business protection opportunities: sole traders and sole proprietors
Marcus Primhak, National Account Manager, November 2025
According to the Office for National Statistics, there are around 4 million sole traders and sole proprietors in the UK. That’s a huge proportion of the working population and a group with unique protection needs that are often overlooked.
Read 'Business protection opportunities: sole traders and sole proprietors'
Business protection: It’s never just about the business
Marcus Primhak, National Account Manager, October 2025
When we think about business protection it’s easy to view it as something separate from personal protection. After all, while the products we use are familiar – Life Cover, Critical Illness Cover and Income Protection – the environment in which we give advice can be very different.
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Preparing clients for Business Property Relief in 2026
October 2025
Business Property Relief (BPR) will see some important changes from April 2026. While many business clients may be unaffected, others could see a shift in how Inheritance Tax (IHT) applies when their estate is valued – making now a good time for advisers to start the conversation on business protection.
Read 'Preparing clients for Business Property Relief in 2026'
How is IP financially underwritten?
September 2025
At LV=, we only financially underwrite and need evidence of your client’s income when you submit their application if the benefit amount requested exceeds £12,501 a month for self-employed clients and £20,833 for employed clients.
Misrepresentation: The elephant in the room
Anna Rogers, Head of Underwriting and Claims, July 2025
Last year, over 7 in 10 of the claims we couldn’t pay were due to misrepresentation. With many insurers reporting similar experiences, it’s clear it’s an industry issue, and there’s a growing need for education on the topic.
Business Protection: Communicating the ‘What If’?
Marcus Primhak, National Account Manager, March 2025
By exploring the ‘what ifs’, we can start to demonstrate the uncertainty that can follow the death of a business owner and the damage it can have on the business.
Overcoming "unqualified objections” to protection
Carl Heard, February 2025
When it comes to approaching the subject of protection with clients, it’s important to consider the perception your client holds over their level of financial resilience and how this might impact the conversation.
Walking a mile in your client’s shoes
Eric Bell, October 2024
Have you ever stopped to think about what it really means to "walk a mile in someone else's shoes?"
Why real stories matter in protection conversations
Mike Farrell, September 2024
Using real claim examples to bring your protection conversations to life
Using claims to empower clients' decisions
Carl Heard, National Account Manager, June 2024
You’re likely all too familiar with the misconceptions that exist around insurance, one of the more common being distrust around insurers paying claims.
How to increase your protection business
Carl Heard, National Account Manager, 04 April 2024
Often when you reflect on those clients that decided they didn’t want to take out protection after being offered your professional advice, it can start to feel a little personal.
Understanding age-restricted properties in later life lending: How lenders assess and manage the risks
Megan Davies, June 2026
In this article, our Equity Release Senior Proposition Development Underwriter, Megan Davies, explores the growing role of age-restricted properties (typically for those aged 55+) within the UK later life lending market, highlighting both their appeal and the unique challenges they present for lenders and advisers.
Bridging the generational wealth gap with lifetime mortgages
Chris Smyth, January 2026
As the generational wealth gap continues to widen, many grandparents are relying on their savings to help their grandchildren. However, not all grandparents have the savings available to support their loved ones. In this article, Chris Smyth explores how a lifetime mortgage could be used to provide financial support to the younger generation.
Read 'Bridging the generational wealth gap with lifetime mortgages'
How lifetime mortgages can help women retire more confidently
Georgina Oxton, March 2025
Did you know that 60% of UK women lack confidence in having sufficient savings for a comfortable retirement? In our latest article, Equity Release Divisional Manager, Georgina Oxton, explores the reasons why women often face financial challenges in later life, and how an LV= Lifetime Mortgage could help them achieve the retirement they desire and deserve.
Read 'How lifetime mortgages can help women retire more confidently'
Funding care in later life with a lifetime mortgage
Georgina Oxton, January 2025
As we age, many of us will find that maintaining our independence requires a little extra support at home. Financial solutions like lifetime mortgages can help enable those that require care and assistance to continue to enjoy their retirement from the comfort of their own home.