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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 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class="section-heading">Products</h3><ul class="children"><li><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum" target="_self" class="" title="Lifetime Mortgage Lump Sum Plus" role="menuitem"><span>Lifetime Mortgage Lump Sum Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown" target="_self" class="" title="Lifetime Mortgage Drawdown Plus" role="menuitem"><span>Lifetime Mortgage Drawdown Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum-lifestyle" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown-lifestyle" target="_self" class="" title="Lifetime Mortgage Drawdown Lifestyle" role="menuitem"><span>Lifetime Mortgage Drawdown Lifestyle</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/contact-us/equity-release" target="_self" class="" title="Contact us" role="menuitem"><span>Contact us</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Resources</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Resources</h3><ul class="children"><li><a href="/online-services/equity-release-portal" target="_self" class="" title="Equity Release Portal" role="menuitem"><span>Equity Release Portal</span></a></li><li><a href="/online-services/equity-release-portal/faqs" target="_self" class="" title="Equity Release Portal FAQs" role="menuitem"><span>Equity Release Portal FAQs</span></a></li><li><a href="/equity-release/adviser-marketing-hub" target="_self" class="" title="Adviser Marketing Hub" role="menuitem"><span>Adviser Marketing Hub</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class="" title="Equity Release videos and webinars" role="menuitem"><span>Equity Release videos and webinars</span></a></li><li><a href="/equity-release/early-repayment-calculator" target="_self" class="" title="Lifetime Mortgage Early Repayment Calculator" role="menuitem"><span>Lifetime Mortgage Early Repayment Calculator</span></a></li><li><a href="/equity-release/lifetime-mortgages-updates" target="_self" class="" title="Lifetime mortgages updates" role="menuitem"><span>Lifetime mortgages updates</span></a></li><li><a href="/equity-release/equity-release-council" target="_self" class="" title="Equity Release Council" role="menuitem"><span>Equity Release Council</span></a></li></ul></li><li><h3 class="section-heading">Supporting your client</h3><ul class="children"><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/supporting-you" target="_self" class="" title="Support" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Support</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Knowledge centre</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/knowledge-centre" target="_self" class="" title="Knowledge centre" role="menuitem"><span>Knowledge centre</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library" target="_self" class="" title="Video and webinar library" role="menuitem"><span>Video and webinar library</span></a></li><li><a href="/knowledge-centre/protection-webinar-calendar" target="_self" class="" title="Protection webinar calendar" role="menuitem"><span>Protection webinar calendar</span></a></li><li><a href="/knowledge-centre/news-hub" target="_self" class="" title="News hub" role="menuitem"><span>News hub</span></a></li><li><a href="/knowledge-centre/article-library" target="_self" class="" title="Article library" role="menuitem"><span>Article library</span></a></li><li><a href="/knowledge-centre/fuel-for-life" target="_self" class="" title="Fuel for Life" role="menuitem"><span>Fuel for Life</span></a></li><li><a href="/knowledge-centre/reaching-resilience" target="_self" class="" title="Reaching Resilience" role="menuitem"><span>Reaching Resilience</span></a></li><li><a href="/knowledge-centre/technical-hub" target="_self" class="" title="Technical Hub" role="menuitem"><span>Technical Hub</span></a></li><li><a href="/pensions/tax-year-end" target="_self" class="" title="Tax year end" role="menuitem"><span>Tax year end</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Claims</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/claims" target="_self" class="" title="Claims" role="menuitem"><span>Claims</span></a></li><li><a href="/supporting-you/claims/our-claims-approach" target="_self" class="" title="Our approach to claims" role="menuitem"><span>Our approach to claims</span></a></li><li><a href="/supporting-you/claims/real-stories" target="_self" class="" title="Real stories" role="menuitem"><span>Real stories</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection underwriting</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/protection-underwriting" target="_self" class="" title="Protection underwriting" role="menuitem"><span>Protection underwriting</span></a></li><li><a href="/supporting-you/protection-underwriting/misrepresentation" target="_self" class="" title="Underwriting misrepresentation" role="menuitem"><span>Underwriting misrepresentation</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Trusts</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/trusts" target="_self" class="" title="Trusts" role="menuitem"><span>Trusts</span></a></li><li><a href="/supporting-you/trusts/types-of-trust" target="_self" class="" title="Types of trusts" role="menuitem"><span>Types of trusts</span></a></li><li><a href="/supporting-you/trusts/trs" target="_self" class="" title="Trust Registration Service - FAQs" role="menuitem"><span>Trust Registration Service - FAQs</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/protection-large-case-team" target="_self" class=" " title="Protection large case team" role="menuitem"><span>Protection large case team</span></a></li><li class=""><a href="/supporting-you/vulnerable-customers" target="_self" class=" " title="Vulnerable customers" role="menuitem"><span>Vulnerable customers</span></a></li><li class=""><a href="/supporting-you/suitability-letter-builder" target="_self" class=" " title="Suitability letter builder" role="menuitem"><span>Suitability letter builder</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Portals and integration</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/adviser-portal" target="_self" class="" title="Savings and Retirement Adviser Portal" role="menuitem"><span>Savings and Retirement Adviser Portal</span></a></li><li><a href="/online-services" target="_self" class="" title="Online services" role="menuitem"><span>Online services</span></a></li><li><a href="/online-services/portals" target="_self" class="" title="Third party portals" role="menuitem"><span>Third party portals</span></a></li><li><a href="/online-services/integration" target="_self" class="" title="Back office integration" role="menuitem"><span>Back office integration</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/setting-up-an-agency" target="_self" class=" " title="Setting up an Agency" role="menuitem"><span>Setting up an Agency</span></a></li><li class=""><a href="/supporting-you/lv-news" target="_self" class=" " title="Our future plans" role="menuitem"><span>LV= news</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Consumer Duty</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/consumer-duty-hub" target="_self" class="" title="Consumer Duty" role="menuitem"><span>Consumer Duty</span></a></li><li><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class="" title="Protection" role="menuitem"><span>Protection</span></a></li><li><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class="" title="Savings and Retirement" role="menuitem"><span>Savings and Retirement</span></a></li><li><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/why-lv" target="_self" class="has-sub " title="Why LV=" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Why LV=</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/why-lv" target="_self" class="" title="Why LV=" role="menuitem"><span>Why LV=</span></a></li><li><a href="/supporting-your-client/why-lv/mutual-bonus" target="_self" class="" title="Mutual bonus" role="menuitem"><span>Mutual bonus</span></a></li><li><a href="/supporting-your-client/why-lv/lv-difference" target="_self" class="" title="Exit bonus" role="menuitem"><span>One-off bonus</span></a></li><li><a href="/supporting-your-client/why-lv/our-awards" target="_self" class="" title="Our awards" role="menuitem"><span>Our awards</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/member-benefits" target="_self" class="has-sub " title="Member benefits" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Member benefits</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/member-benefits" target="_self" class="" title="Member benefits" role="menuitem"><span>Member benefits</span></a></li><li><a href="/supporting-your-client/member-benefits/legal-advice" target="_self" class="" title="Legal Advice Line" role="menuitem"><span>Legal Advice Line</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li></ul></li></ul></div></li></ul></div></li><li class="doc-library"><a href="/document-library" 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        <div id="50f62a7d-c38c-42c2-aac6-2d3688285656"><div id="4311b018-caa6-42af-b945-5f98f1d011ad" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title left">Fuel your protection advice with insight</h2></div><div class="grid content-body order3"><span class="rte description left"><p>Reaching Resilience is our protection focused research that explores financial resilience amongst consumers. This research has been produced to help you better understand your clients and the need for protection. Our insights give you actionable takeaways to help you power more effective protection conversations.</p>
<p>The data used in this report comes from a survey of 2,535 nationally representative UK workers conducted for LV= by Opinium between 28 October 2025 and 7 November 2025.</p></span></div></div></div></div></div>
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                        border00 "><div tabindex="0" class="card flex-class "><div class="content"><h3 class="title card-title">More than 4 in 10 workers</h3><span class="rte description">have no form of protection in place.<br /></span><div class="cta-holder"></div></div></div></div><div class="card-verticle 
                        border01 "><div tabindex="0" class="card flex-class "><div class="content"><h3 class="title card-title">3 people</h3><span class="rte description">on average are supported by a worker's income.</span><div class="cta-holder"></div></div></div></div><div class="card-verticle 
                        border02 "><div tabindex="0" class="card flex-class "><div class="content"><h3 class="title card-title">Just over half of workers</h3><span class="rte description"><p>would feel more financially resilient with insurance that protects their income.</p></span><div class="cta-holder"></div></div></div></div></div></div></div>
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    <li>How prepared workers would be to cope with a loss in income from illness or injury.</li>
    <li>What they would depend on if they couldn't work and how this compares to protection.</li>
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<p><a rel="noopener noreferrer" href="https://share-eu1.hsforms.com/27IAy7O3PSk-kFpYHfkF9Zw2eaj3a" target="_blank" title="Download it here">Download our Reaching Resilience report</a></p></span></div></div><div class="column border true "><div class="title-block"><h2 class="title h2-regular">Conversation starter guide</h2></div><div class="content-block"><span class="rte body-copy"><p>Practical questions and prompts developed from our findings to help you open up the protection conversation with clients.</p>
<p><a rel="noopener noreferrer" href="https://www.lvadviser.com/service/documentlibrary/get/976B6877-D012-439B-902B-9E9461EC9DA9/reaching-resilience-conversation-starter-guide" target="_blank" title="Read it here">Read conversation starter guide</a></p></span></div></div><div class="column border true "><div class="title-block"><h2 class="title h2-regular">Positioning protection guide</h2></div><div class="content-block"><span class="rte body-copy"><p>Short summary guide on the outputs of our research and how to position protection.</p>
<p><a rel="noopener noreferrer" href="https://www.lvadviser.com/service/documentlibrary/get/72B4F84D-560B-4C00-A3A6-2DC509516293/reaching-resilience-positioning-protection-guide" target="_blank" title="Take a look">Read positioning protection guide</a></p></span></div></div></div></div></div></div>
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<a rel="noopener noreferrer" href="https://share-eu1.hsforms.com/27IAy7O3PSk-kFpYHfkF9Zw2eaj3a" target="_blank" title="Read Reaching Resilience – February 2026">Read Reaching Resilience &ndash; February 2026</a></span><div class="display-icon"></div><div class="display-icon"></div></div></div></div></div></div><div class="component-area "><div class="component-holder"><div id="1782226759906" class="account-manager"><div class="account-manager-component two-third-width"><div class="image-container"><div><img src="/-/life/media/athena/icons/medium/book-school-documents-80x80-2.svg" alt="Open book , school copy, document"/></div></div><div class="content"><h3 class="title h2-regular">Coming Soon</h3><span class="rte body-copy">Check back for some more Reaching Resilience content soon.</span><div class="display-icon"></div><div class="display-icon"></div></div></div></div></div></div><div class="component-area "><div class="component-holder"><div id="1782226759906" class="account-manager"><div class="account-manager-component two-third-width"><div class="image-container"><div><img src="/-/life/media/athena/icons/medium/book-school-documents-80x80-2.svg" alt="Open book , school copy, document"/></div></div><div class="content"><h3 class="title h2-regular">Coming Soon</h3><span class="rte body-copy">Check back for some more Reaching Resilience content soon.</span><div class="display-icon"></div><div class="display-icon"></div></div></div></div></div></div><div class="component-area "><div class="component-holder"><div id="1782226759906" class="account-manager"><div class="account-manager-component two-third-width"><div class="image-container"><div><img src="/-/life/media/athena/icons/medium/book-school-documents-80x80-2.svg" alt="Open book , school copy, document"/></div></div><div class="content"><h3 class="title h2-regular">More than three-quarters of parents with a child aged 0-12 worry about their children’s mental health</h3><span class="rte body-copy"><p>Research from protection, investment and retirement specialist LV= highlights how many working parents worry about their children&rsquo;s mental health.</p>
<p><a href="/knowledge-centre/news-hub/more-than-three-quarters-of-parents-with-a-child-aged-0-12-worry-about-their-childrens-mental-health" title="Read 'More than three-quarters of parents with a child aged 0-12 worry about their children’s mental health'">Read 'More than three-quarters of parents with a child aged 0-12 worry about their children&rsquo;s mental health'</a></p></span><div class="display-icon"></div><div class="display-icon"></div></div></div></div></div><div class="component-holder"><div id="1782226759906" class="account-manager"><div class="account-manager-component two-third-width"><div class="image-container"><div><img src="/-/life/media/athena/icons/medium/book-school-documents-80x80-2.svg" alt="Open book , school copy, document"/></div></div><div class="content"><h2 class="title h2-regular">Almost a quarter of people are worried that they will experience a mental health issue in five years</h2><span class="rte body-copy"><p>Research from investment, protection and retirement specialist LV= reveals that many people are prioritising their mental wellbeing this World Mental Health Day.</p>
<p><a href="/knowledge-centre/news-hub/almost-a-quarter-of-people-are-worried-that-they-will-experience-a-mental-health-issue-in-five-years" title="Read 'Almost a quarter of people are worried that they will experience a mental health issue in five years'">Read 'Almost a quarter of people are worried that they will experience a mental health issue in five years'</a></p></span><div class="display-icon"></div><div class="display-icon"></div></div></div></div></div></div><div class="component-area "><div class="component-holder"><div id="1782226759906" class="account-manager"><div class="account-manager-component two-third-width"><div class="image-container"><div><img src="/-/life/media/athena/icons/medium/book-school-documents-80x80-2.svg" alt="Open book , school copy, document"/></div></div><div class="content"><h3 class="title h2-regular">Coming Soon</h3><span class="rte body-copy">Check back for some more Reaching Resilience content soon.</span><div class="display-icon"></div><div class="display-icon"></div></div></div></div></div></div></div></div>
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