

<!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>News Hub | LV= Adviser</title>
    <meta name="description" content="LV=’s News Hub providing exclusive support for Advisers and their teams." />
    <script>var category = 'Knowledge Centre'</script>
    <link rel="canonical" href="https://www.lvadviser.com/knowledge-centre/news-hub" />
            <meta property="og:url" content="https://www.lvadviser.com/knowledge-centre/news-hub" />


    <!--/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=1.1.1131.0' />

    <!-- Includes Template Specific Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/newshubpage.css?v=1.1.1131.0' />

</head>
<body class="">

    <div id="page">
            <h1 class="hidden">News Hub</h1>
        <!--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="4a68a1c0-5f0a-4289-9670-568c6eec0ec4">
        <div id="4a68a1c0-5f0a-4289-9670-568c6eec0ec4"><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="4d7a3856-1fc5-451b-9787-d19e31e3e7bf">
        <div id="4d7a3856-1fc5-451b-9787-d19e31e3e7bf"><div class="sticky-launchers-container lvp "><div class="inner-container"><div class="page-name"><h2 class="title ">Online Services:</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":"4d7a3856-1fc5-451b-9787-d19e31e3e7bf","type":"dynamic","props":{"title":{"label":"Online Services","type":""},"pageTitle":{"label":"Online Services:","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="2a58a9f9-a99e-4a5b-8a0d-a6e3275f3e83">
        <div id="2a58a9f9-a99e-4a5b-8a0d-a6e3275f3e83"><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/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-lifestyle-interest-reward" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle Interest Reward" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle Interest Reward</span><span class="new">New</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":"2a58a9f9-a99e-4a5b-8a0d-a6e3275f3e83","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":"Risk ratings","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/risk-ratings","label":"Risk ratings","html":"<a href=\"/smoothed-investments/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 Lifestyle Interest Reward","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum-lifestyle-interest-reward","label":"Lifetime Mortgage Lump Sum Lifestyle Interest Reward","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum-lifestyle-interest-reward\">Lifetime Mortgage Lump Sum Lifestyle Interest Reward</a>","target":"_self"},"heading":false,"status":"New"},{"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 bannerheaderoval" data-name="bannerHeaderOval" data-id="671df9fc-160b-4a9a-a345-040d599f0784">
        <div id="671df9fc-160b-4a9a-a345-040d599f0784"><div class="banner-header-oval"><div class="banner-layout"><div class="content-holder"><div class="banner-content"><h1 class="title small-heading">News Hub </h1><h2 class="title h1">Read our latest <span style="color: #cddc29;">news and business updates</span></h2></div></div><div class="media-holder"><div class="mask  vertical "><svg width="88" height="702" version="1.1" x="0px" y="0px" viewBox="0 0 88 702" preserveAspectRatio="xMinYMax"><path class="mask-path" d="M 88 0 C 88 0 -104.097656 308.117188 88 702 L 0 702 L 0 0 Z M 88 0"></path></svg></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"bannerHeaderOval","reactName":"Athena.bannerHeaderOval","id":"671df9fc-160b-4a9a-a345-040d599f0784","type":"dynamic","props":{"smallHeading":"News Hub ","smallHeadingType":"h1","mainHeading":"Read our latest <span style=\"color: #cddc29;\">news and business updates</span>","mainHeadingType":"h2","mainHeadingMobile":"<p>Read our latest <span style=\"color: #cddc29;\">news and business updates</span></p>","subTextLink":null,"subTextMobile":"","cta":null,"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="7aad5b7b-edd4-4a4e-8ced-4cc88b7f1b18">
        <div id="7aad5b7b-edd4-4a4e-8ced-4cc88b7f1b18"><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="/knowledge-centre" class="breadcrumb-item textlink" title="Knowledge Centre">Knowledge Centre</a></li><span class="icon-arrow"> </span><li><a class="breadcrumb-item textlink" title="News Hub">News Hub</a></li></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"breadcrumb","reactName":"Athena.breadcrumb","id":"7aad5b7b-edd4-4a4e-8ced-4cc88b7f1b18","type":"dynamic","props":{"Breadcrumbitems":[{"link":{"Id":null,"Rel":null,"url":"/","label":"Home","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":"/knowledge-centre","label":"Knowledge Centre","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":null,"label":"News Hub","html":null,"target":null}}]}});</script>
    </div>

        <!--/breadcrumb-->
        <!--Social-->
            <div class="react-component social" data-name="social" data-id="89562eb2-4806-459b-b0b4-78bc9e9c067c">
        <div id="89562eb2-4806-459b-b0b4-78bc9e9c067c"><div class="social-container"><div class="social-holder"><div class="social-media facebook "><a href="http://www.facebook.com" target="_self" class="icon-link" title="Facebook"><span class="icon icon-facebook" aria-label="Facebook"></span></a></div><div id="twitter_svg" class="social-media twitter "><a href="http://www.twitter.com" target="_self" class="icon-link" title="Twitter"><svg focusable="false" width="25" height="25" viewBox="0 0 35 35"><path d="M20.2228 15.8875L27.8685 7H26.0567L19.418 14.7169L14.1156 7H8L16.0182 18.6693L8 27.9892H9.81189L16.8226 19.8399L22.4223 27.9892H28.5379L20.2224 15.8875H20.2228Z" fill="#04589B"></path></svg></a></div><div class="social-media linkedin "><a href="http://www.linkedIn.com" target="_self" class="icon-link" title="linkedin"><span class="icon icon-linkedin" aria-label="linkedin"></span></a></div><div class="social-media email "><a href="http://gmail.com" target="_self" class="icon-link" title="email"><span class="icon icon-email" aria-label="email"></span></a></div></div></div></div>
    </div>

        <!--/breadcrumb-->
        <!--adviserwebchat-->
        
        <!--/adviserwebchat-->
        


<!--news-hub-->
    <div class="react-component featuredetails" data-name="featureDetails" data-id="34c6a454-a629-4313-af13-7f18e086d080">
        <div id="34c6a454-a629-4313-af13-7f18e086d080"><div id="c463d18a-223b-4e03-9669-34a59d6053da" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title left">News hub – terms of use</h2></div><div class="grid content-body order3"><span class="rte description left"><p>Our news hub is your one-stop-shop for the latest product, company and market news &ndash; helping keep you up-to-date with trends and changes.<br />
<br />
By accessing the materials in our news and events pages you accept the terms below and agree that LV= won&rsquo;t be liable for any decisions you make based on the information they contain. Press releases published on our website are meant for use by accredited journalists only. They are not intended for and shouldn&rsquo;t be used or relied on by you to influence or determine any financial decisions. We can&rsquo;t guarantee that any of the information appearing in these press releases, is up-to-date, or free from errors, and you shouldn&rsquo;t place any reliance on any of the information contained in them. </p>
<p>All the material appearing on this website is subject to copyright and owned or licensed to LV=. None of it should be used or reproduced, distributed or otherwise transmitted without first getting our consent.</p></span></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"featureDetails","reactName":"Athena.featureDetails","id":"34c6a454-a629-4313-af13-7f18e086d080","type":"dynamic","props":{"Id":{"Guid":"c463d18a-223b-4e03-9669-34a59d6053da"},"titleHeading":{"label":"News hub – terms of use","type":"h2"},"description":"<p>Our news hub is your one-stop-shop for the latest product, company and market news &ndash; helping keep you up-to-date with trends and changes.<br />\n<br />\nBy accessing the materials in our news and events pages you accept the terms below and agree that LV= won&rsquo;t be liable for any decisions you make based on the information they contain. Press releases published on our website are meant for use by accredited journalists only. They are not intended for and shouldn&rsquo;t be used or relied on by you to influence or determine any financial decisions. We can&rsquo;t guarantee that any of the information appearing in these press releases, is up-to-date, or free from errors, and you shouldn&rsquo;t place any reliance on any of the information contained in them. </p>\n<p>All the material appearing on this website is subject to copyright and owned or licensed to LV=. None of it should be used or reproduced, distributed or otherwise transmitted without first getting our consent.</p>","image":null,"layout":"left","background":"","disableBottomSpace":false}});</script>
    </div>
    <div class="react-component newshub" data-name="newsHub" data-id="370fe983-0190-407b-bfc3-9fa32dfa6859">
        <div id="370fe983-0190-407b-bfc3-9fa32dfa6859"><div class="news-hub-component"><div class="filter-section"><h3 class="title news-hub-heading">Filter results:</h3><div class="checkbox-area"><div class="input-holder checkbox "><label for="all-0" class="checkbox-label" id="all-0-label"><span class="icon-checkbox"></span><span>Show All</span></label><div class="input-field"><input type="checkbox" id="all-0" aria-label="Show All" aria-labelledby="all-0-label" autoComplete="off" name="all-0" value="all"/></div></div><div class="input-holder checkbox "><label for="pr-1" class="checkbox-label" id="pr-1-label"><span class="icon-checkbox"></span><span>Protection</span></label><div class="input-field"><input type="checkbox" id="pr-1" aria-label="Protection" aria-labelledby="pr-1-label" autoComplete="off" name="pr-1" value="pr"/></div></div><div class="input-holder checkbox "><label for="re-2" class="checkbox-label" id="re-2-label"><span class="icon-checkbox"></span><span>Retirement</span></label><div class="input-field"><input type="checkbox" id="re-2" aria-label="Retirement" aria-labelledby="re-2-label" autoComplete="off" name="re-2" value="re"/></div></div><div class="input-holder checkbox "><label for="eqr-3" class="checkbox-label" id="eqr-3-label"><span class="icon-checkbox"></span><span>Equity Release</span></label><div class="input-field"><input type="checkbox" id="eqr-3" aria-label="Equity Release" aria-labelledby="eqr-3-label" autoComplete="off" name="eqr-3" value="eqr"/></div></div><div class="input-holder checkbox "><label for="fc-4" class="checkbox-label" id="fc-4-label"><span class="icon-checkbox"></span><span>Financial and Corporate</span></label><div class="input-field"><input type="checkbox" id="fc-4" aria-label="Financial and Corporate" aria-labelledby="fc-4-label" autoComplete="off" name="fc-4" value="fc"/></div></div></div></div><div class="news-article-result"><div class="news-results"><div class="news-article "><div class="news-content"><a href="/knowledge-centre/news-hub/first-time-buyers-dont-recall-receiving-protection-advice" target="_self" class="title article-heading textlink" title="Over a third of first-time buyers don&#x27;t recall receiving protection advice alongside their mortgage">Over a third of first-time buyers don't recall receiving protection advice alongside their mortgage</a><div class="date-category-section"><div class="date-published">22/09/2026</div><div class="news-category"><span class="categories">PROTECTION</span></div></div><span class="rte ">Research from investment, protection and retirement specialist, LV= has found significant income protection gaps among first-time buyers, self-employed workers and blended families, revealing many could find themselves financially exposed should illness or injury prevent them from working.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/news-hub/lv-enhances-lifestyle-equity-release-range-with-the-launch-of-new-interest-reward-product" target="_self" class="title article-heading textlink" title=" LV= enhances lifestyle equity release range with the launch of new interest reward product "> LV= enhances lifestyle equity release range with the launch of new interest reward product </a><div class="date-category-section"><div class="date-published">07/09/2026</div><div class="news-category"><span class="categories">PRESS RELEASE</span><span class="categories">EQUITY RELEASE</span></div></div><span class="rte ">
Investment, protection and retirement specialist LV= has today announced the launch of Lifetime Mortgage Lump Sum Lifestyle Interest Reward, a new addition to its Lifestyle lifetime mortgage range.
</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/article-library/how-to-build-protection-into-a-holistic-advice-process" target="_self" class="title article-heading textlink" title="How to build protection into a holistic advice process">How to build protection into a holistic advice process</a><div class="date-category-section"><div class="date-published">07/09/2026</div><div class="news-category"></div></div><span class="rte ">Holistic financial advice is about looking at the bigger picture: where a client is today, where they want to be in the future and what could prevent them from getting there.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/technical-hub/chargeable-events-on-an-onshore-bond" target="_self" class="title article-heading textlink" title="Chargeable events on an onshore bond">Chargeable events on an onshore bond</a><div class="date-category-section"><div class="date-published">02/09/2026</div><div class="news-category"></div></div><span class="rte ">When dealing with investment bonds, it is important to understand how chargeable events occur, and when they do, how the chargeable gain is calculated. </span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/technical-hub/the-estate-planning-challenge-retirees-didnt-see-coming" target="_self" class="title article-heading textlink" title="The estate planning challenge retirees didn&#x27;t see coming">The estate planning challenge retirees didn't see coming</a><div class="date-category-section"><div class="date-published">22/07/2026</div><div class="news-category"></div></div><span class="rte ">Inheritance tax (IHT) exemptions made pensions a great estate planning tool, and good financial advice has often left pension assets untouched for as long as possible.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/article-library/strategies-for-effective-communication-between-paraplanners-and-advisers" target="_self" class="title article-heading textlink" title="Strategies for effective communication between paraplanners and advisers">Strategies for effective communication between paraplanners and advisers</a><div class="date-category-section"><div class="date-published">15/07/2026</div><div class="news-category"></div></div><span class="rte ">Paraplanners play a central role in keeping protection cases clear, accurate and moving forward. When communication between paraplanners and advisers is weak, the impact shows up quickly in delays, avoidable rework, underwriting problems and files that are harder to stand over.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/news-hub/lv-pays-out-nearly-152-million-in-protection-claims-in-2025-its-highest-on-record" target="_self" class="title article-heading textlink" title="LV= pays out nearly £152 million in protection claims in 2025, its highest on record">LV= pays out nearly £152 million in protection claims in 2025, its highest on record</a><div class="date-category-section"><div class="date-published">15/07/2026</div><div class="news-category"><span class="categories">PROTECTION</span></div></div><span class="rte ">Investment, protection and retirement specialist LV= has reported another record year for protection claims, paying nearly £152 million to claimants in 2025 – an increase of almost £15 million compared with 2024.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/technical-hub/putting-loved-ones-first-with-tax-efficient-planning" target="_self" class="title article-heading textlink" title="Putting loved ones first with tax efficient planning">Putting loved ones first with tax efficient planning</a><div class="date-category-section"><div class="date-published">08/07/2026</div><div class="news-category"></div></div><span class="rte ">The inheritance tax (IHT) nil-rate band of £325,000 has been frozen since 6 April 2009.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/technical-hub/Trusts-Made-Simple" target="_self" class="title article-heading textlink" title="Trusts Made Simple: Understanding Types, Uses and Benefits">Trusts Made Simple: Understanding Types, Uses and Benefits</a><div class="date-category-section"><div class="date-published">01/07/2026</div><div class="news-category"></div></div><span class="rte ">Trusts can be set up for several reasons - This might include tax planning (for instance, reducing inheritance tax liability), making provision for children/vulnerable people, or to provide a flexible environment for the future distribution of wealth. </span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/news-hub/just-3-percent-of-over-65s-are-confident-in-using-bonds-for-iht-planning" target="_self" class="title article-heading textlink" title=" Just 3% of over 65s are confident in using bonds for IHT planning, LV= research reveals"> Just 3% of over 65s are confident in using bonds for IHT planning, LV= research reveals</a><div class="date-category-section"><div class="date-published">30/06/2026</div><div class="news-category"><span class="categories">RETIREMENT</span></div></div><span class="rte ">Research from investment, protection and retirement specialist LV= highlights a significant awareness gap around investment bonds as part of inheritance tax (IHT) planning, particularly among those closest to retirement age.</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/news-hub/lv-highlights-missed-protection-opportunity-at-remortgage-in-latest-fuel-for-life-report" target="_self" class="title article-heading textlink" title="LV= highlights missed protection opportunity at remortgage in latest fuel for life report">LV= highlights missed protection opportunity at remortgage in latest fuel for life report</a><div class="date-category-section"><div class="date-published">26/06/2026</div><div class="news-category"><span class="categories">FINANCIAL AND CORPORATE</span></div></div><span class="rte ">
Investment, protection and retirement specialist LV= has launched the latest edition of Fuel for Life*, focusing on the growing importance of protection conversations at the point of remortgaging as market conditions drive increased demand for advice.
 
</span></div></div><div class="news-article "><div class="news-content"><a href="/knowledge-centre/article-library/uk-political-change" target="_self" class="title article-heading textlink" title="UK political change: What it means for investors in LV= Smoothed Managed Funds">UK political change: What it means for investors in LV= Smoothed Managed Funds</a><div class="date-category-section"><div class="date-published">24/06/2026</div><div class="news-category"></div></div><span class="rte ">Adam Ruddle, Chief Investment Officer at LV=, shares our positioning on the Iran conflict and initial market reactions. </span></div></div></div></div><div class="pagination-section"><div><div class="desktop-pagination"><div class="pagination" role="navigation" aria-label="Pagination"><button class="previous-button disabled" aria-label="Go to previous page" title="Go to previous page"><span class="btn-text icon-arrow btn-previous"></span></button><span> <button class="page-numbers-btn active"><span class="btn-text">1</span></button><button class="page-numbers-btn "><span class="btn-text">2</span></button><button class="page-numbers-btn "><span class="btn-text">3</span></button><button class="page-numbers-btn "><span class="btn-text">4</span></button><button class="ellipses page-numbers-btn"><span class="btn-text elipses">…</span></button><button class="page-numbers-btn "><span class="btn-text">18</span></button> </span><button class="next-button  " aria-label="Go to next page" title="Go to next page"><span class="btn-text icon-arrow btn-next"></span></button></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"newsHub","reactName":"Athena.newsHub","id":"370fe983-0190-407b-bfc3-9fa32dfa6859","type":"dynamic","props":{"filterHeading":{"label":"Filter results:","type":"h3"},"newsHubEndPoint":"/service/newsfiltersearch","filterCategories":[{"label":"Show All","key":"all"},{"label":"Protection","key":"pr"},{"label":"Retirement","key":"re"},{"label":"Equity Release","key":"eqr"},{"label":"Financial and Corporate","key":"fc"}],"totalResultCount":209,"newsCategoryResults":[{"titleHeading":{"label":"Over a third of first-time buyers don't recall receiving protection advice alongside their mortgage","url":"/knowledge-centre/news-hub/first-time-buyers-dont-recall-receiving-protection-advice"},"shortDescription":"Research from investment, protection and retirement specialist, LV= has found significant income protection gaps among first-time buyers, self-employed workers and blended families, revealing many could find themselves financially exposed should illness or injury prevent them from working.","publishedDate":"22/09/2026","newsCategory":["PROTECTION"]},{"titleHeading":{"label":" LV= enhances lifestyle equity release range with the launch of new interest reward product ","url":"/knowledge-centre/news-hub/lv-enhances-lifestyle-equity-release-range-with-the-launch-of-new-interest-reward-product"},"shortDescription":"\nInvestment, protection and retirement specialist LV= has today announced the launch of Lifetime Mortgage Lump Sum Lifestyle Interest Reward, a new addition to its Lifestyle lifetime mortgage range.\n","publishedDate":"07/09/2026","newsCategory":["PRESS RELEASE","EQUITY RELEASE"]},{"titleHeading":{"label":"How to build protection into a holistic advice process","url":"/knowledge-centre/article-library/how-to-build-protection-into-a-holistic-advice-process"},"shortDescription":"Holistic financial advice is about looking at the bigger picture: where a client is today, where they want to be in the future and what could prevent them from getting there.","publishedDate":"07/09/2026","newsCategory":null},{"titleHeading":{"label":"Chargeable events on an onshore bond","url":"/knowledge-centre/technical-hub/chargeable-events-on-an-onshore-bond"},"shortDescription":"When dealing with investment bonds, it is important to understand how chargeable events occur, and when they do, how the chargeable gain is calculated. ","publishedDate":"02/09/2026","newsCategory":null},{"titleHeading":{"label":"The estate planning challenge retirees didn't see coming","url":"/knowledge-centre/technical-hub/the-estate-planning-challenge-retirees-didnt-see-coming"},"shortDescription":"Inheritance tax (IHT) exemptions made pensions a great estate planning tool, and good financial advice has often left pension assets untouched for as long as possible.","publishedDate":"22/07/2026","newsCategory":null},{"titleHeading":{"label":"Strategies for effective communication between paraplanners and advisers","url":"/knowledge-centre/article-library/strategies-for-effective-communication-between-paraplanners-and-advisers"},"shortDescription":"Paraplanners play a central role in keeping protection cases clear, accurate and moving forward. When communication between paraplanners and advisers is weak, the impact shows up quickly in delays, avoidable rework, underwriting problems and files that are harder to stand over.","publishedDate":"15/07/2026","newsCategory":null},{"titleHeading":{"label":"LV= pays out nearly £152 million in protection claims in 2025, its highest on record","url":"/knowledge-centre/news-hub/lv-pays-out-nearly-152-million-in-protection-claims-in-2025-its-highest-on-record"},"shortDescription":"Investment, protection and retirement specialist LV= has reported another record year for protection claims, paying nearly £152 million to claimants in 2025 – an increase of almost £15 million compared with 2024.","publishedDate":"15/07/2026","newsCategory":["PROTECTION"]},{"titleHeading":{"label":"Putting loved ones first with tax efficient planning","url":"/knowledge-centre/technical-hub/putting-loved-ones-first-with-tax-efficient-planning"},"shortDescription":"The inheritance tax (IHT) nil-rate band of £325,000 has been frozen since 6 April 2009.","publishedDate":"08/07/2026","newsCategory":null},{"titleHeading":{"label":"Trusts Made Simple: Understanding Types, Uses and Benefits","url":"/knowledge-centre/technical-hub/Trusts-Made-Simple"},"shortDescription":"Trusts can be set up for several reasons - This might include tax planning (for instance, reducing inheritance tax liability), making provision for children/vulnerable people, or to provide a flexible environment for the future distribution of wealth. ","publishedDate":"01/07/2026","newsCategory":null},{"titleHeading":{"label":" Just 3% of over 65s are confident in using bonds for IHT planning, LV= research reveals","url":"/knowledge-centre/news-hub/just-3-percent-of-over-65s-are-confident-in-using-bonds-for-iht-planning"},"shortDescription":"Research from investment, protection and retirement specialist LV= highlights a significant awareness gap around investment bonds as part of inheritance tax (IHT) planning, particularly among those closest to retirement age.","publishedDate":"30/06/2026","newsCategory":["RETIREMENT"]},{"titleHeading":{"label":"LV= highlights missed protection opportunity at remortgage in latest fuel for life report","url":"/knowledge-centre/news-hub/lv-highlights-missed-protection-opportunity-at-remortgage-in-latest-fuel-for-life-report"},"shortDescription":"\nInvestment, protection and retirement specialist LV= has launched the latest edition of Fuel for Life*, focusing on the growing importance of protection conversations at the point of remortgaging as market conditions drive increased demand for advice.\n \n","publishedDate":"26/06/2026","newsCategory":["FINANCIAL AND CORPORATE"]},{"titleHeading":{"label":"UK political change: What it means for investors in LV= Smoothed Managed Funds","url":"/knowledge-centre/article-library/uk-political-change"},"shortDescription":"Adam Ruddle, Chief Investment Officer at LV=, shares our positioning on the Iran conflict and initial market reactions. ","publishedDate":"24/06/2026","newsCategory":null}],"resultPerPageDesktop":"12","resultPerPageMobile":"4","mobilePageLabel":"Page","mobileOfLabel":"Of","mobilePreviousLabel":"Previous","mobileNextLabel":"Next","desktopPreviousLabel":"<","desktopNextLabel":">","emptyResult":"No results found"}});</script>
    </div>

<!--/news-hub-->
        <!--/main-->
        <!--globalalert-->
        
        <!--/globalalert-->
        <!--cookieconsent-->
        
        <!--/cookieconsent-->
        <!--footer-content-->
            <div class="react-component footer" data-name="footer" data-id="ea2f7e34-49fe-4e47-848f-44e80f9d3422">
        <div id="ea2f7e34-49fe-4e47-848f-44e80f9d3422"><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":"ea2f7e34-49fe-4e47-848f-44e80f9d3422","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=1.1.1131.0'></script>

    <!-- Includes template Specific js-->
    <script src='/life/athenadist/js/mediators/newshubpage.js?v=1.1.1131.0'></script>

</body>
</html>
