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href="/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown" target="_self" class="" title="Guaranteed Income Drawdown" role="menuitem"><span>Guaranteed Income Drawdown</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/personal-protection" target="_self" class="" title="Protection" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Personal Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/personal-protection" target="_self" class="" title="Personal Protection" role="menuitem"><span>Personal Protection</span></a></li><li><a href="/personal-protection/income-protection" target="_self" class="" title="Income Protection" role="menuitem"><span>Income Protection</span></a></li><li><a href="/personal-protection/life-and-critical-illness" target="_self" class="" title="Life and Critical Illness" role="menuitem"><span>Life and Critical Illness</span></a></li><li><a href="/personal-protection/life-protection" target="_self" class="" title="Life Protection" role="menuitem"><span>Life Protection</span></a></li><li><a href="/personal-protection/personal-sick-pay" target="_self" class="" title="Personal Sick Pay" role="menuitem"><span>Personal Sick Pay</span></a></li><li><a href="/personal-protection/family-income-benefit" target="_self" class="" title="Family Income Benefit" role="menuitem"><span>Family Income Benefit</span></a></li><li><a href="/personal-protection/gift-inter-vivos" target="_self" class="" title="Gift Inter Vivos" role="menuitem"><span>Gift Inter Vivos</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/personal-protection/flexible-protection-plan" target="_self" class="" title="Flexible Protection Plan" role="menuitem"><span>Flexible Protection Plan</span></a></li><li><a href="/personal-protection/income-protection-solutions" target="_self" class="" title="Income Protection Solutions" role="menuitem"><span>Income Protection Solutions</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub" target="_blank" class="" title="Protection Progress Hub" role="menuitem"><span>Protection Progress Hub</span></a></li><li><a href="/online-services/fastway/pre-uw-tool" target="_self" class="" title="Pre-underwriting tool" role="menuitem"><span>Pre-underwriting tool</span></a></li><li><a href="/online-services/personal-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/personal-protection/why-income-protection" target="_self" class="" title="Why Income Protection" role="menuitem"><span>Why Income Protection</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Business Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/business-protection" target="_self" class="" title="Business Protection" role="menuitem"><span>Business Protection</span></a></li><li><a href="/business-protection/relevant-life-cover" target="_self" class="" title="Relevant Life Cover" role="menuitem"><span>Relevant Life Cover</span></a></li><li><a href="/business-protection/key-person-cover" target="_self" class="" title="Key Person Cover" role="menuitem"><span>Key Person Cover</span></a></li><li><a href="/business-protection/share-and-partnership-protection" target="_self" class="" title="Share &amp; Partnership Protection" role="menuitem"><span>Share &amp; Partnership Protection</span></a></li><li><a href="/business-protection/executive-income-protection" target="_self" class="" title="Executive Income Protection" role="menuitem"><span>Executive Income Protection</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/online-services/business-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/business-protection/trusts" target="_self" class="" title="Business Protection &amp; Trusts" role="menuitem"><span>Business Protection &amp; Trusts</span></a></li><li><a href="/business-protection/tax-treatment" target="_self" class="" title="Tax treatment" role="menuitem"><span>Tax treatment</span></a></li><li><a href="/business-protection/business-protection-guide" target="_self" class="" title="Guide to Business Protection" role="menuitem"><span>Guide to Business Protection</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Equity Release</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Products</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum" target="_self" class="" title="Lifetime Mortgage Lump Sum Plus" role="menuitem"><span>Lifetime Mortgage Lump Sum Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown" target="_self" class="" title="Lifetime Mortgage Drawdown Plus" role="menuitem"><span>Lifetime Mortgage Drawdown Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum-lifestyle" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown-lifestyle" target="_self" class="" title="Lifetime Mortgage Drawdown Lifestyle" role="menuitem"><span>Lifetime Mortgage Drawdown Lifestyle</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/contact-us/equity-release" target="_self" class="" title="Contact us" role="menuitem"><span>Contact us</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Resources</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Resources</h3><ul class="children"><li><a href="/online-services/equity-release-portal" target="_self" class="" title="Equity Release Portal" role="menuitem"><span>Equity Release Portal</span></a></li><li><a href="/online-services/equity-release-portal/faqs" target="_self" class="" title="Equity Release Portal FAQs" role="menuitem"><span>Equity Release Portal FAQs</span></a></li><li><a href="/equity-release/adviser-marketing-hub" target="_self" class="" title="Adviser Marketing Hub" role="menuitem"><span>Adviser Marketing Hub</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class="" title="Equity Release videos and webinars" role="menuitem"><span>Equity Release videos and webinars</span></a></li><li><a href="/equity-release/early-repayment-calculator" target="_self" class="" title="Lifetime Mortgage Early Repayment Calculator" role="menuitem"><span>Lifetime Mortgage Early Repayment Calculator</span></a></li><li><a href="/equity-release/lifetime-mortgages-updates" target="_self" class="" title="Lifetime mortgages updates" role="menuitem"><span>Lifetime mortgages updates</span></a></li><li><a href="/equity-release/equity-release-council" target="_self" class="" title="Equity Release Council" role="menuitem"><span>Equity Release Council</span></a></li></ul></li><li><h3 class="section-heading">Supporting your client</h3><ul class="children"><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/supporting-you" target="_self" class="" title="Support" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Support</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Knowledge centre</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/knowledge-centre" target="_self" class="" title="Knowledge centre" role="menuitem"><span>Knowledge centre</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library" target="_self" class="" title="Video and webinar library" role="menuitem"><span>Video and webinar library</span></a></li><li><a href="/knowledge-centre/protection-webinar-calendar" target="_self" class="" title="Protection webinar calendar" role="menuitem"><span>Protection webinar calendar</span></a></li><li><a href="/knowledge-centre/news-hub" target="_self" class="" title="News hub" role="menuitem"><span>News hub</span></a></li><li><a href="/knowledge-centre/article-library" target="_self" class="" title="Article library" role="menuitem"><span>Article library</span></a></li><li><a href="/knowledge-centre/fuel-for-life" target="_self" class="" title="Fuel for Life" role="menuitem"><span>Fuel for Life</span></a></li><li><a href="/knowledge-centre/reaching-resilience" target="_self" class="" title="Reaching Resilience" role="menuitem"><span>Reaching Resilience</span></a></li><li><a href="/knowledge-centre/technical-hub" target="_self" class="" title="Technical Hub" role="menuitem"><span>Technical Hub</span></a></li><li><a href="/pensions/tax-year-end" target="_self" class="" title="Tax year end" role="menuitem"><span>Tax year end</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Claims</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/claims" target="_self" class="" title="Claims" role="menuitem"><span>Claims</span></a></li><li><a href="/supporting-you/claims/our-claims-approach" target="_self" class="" title="Our approach to claims" role="menuitem"><span>Our approach to claims</span></a></li><li><a href="/supporting-you/claims/real-stories" target="_self" class="" title="Real stories" role="menuitem"><span>Real stories</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection underwriting</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/protection-underwriting" target="_self" class="" title="Protection underwriting" role="menuitem"><span>Protection underwriting</span></a></li><li><a href="/supporting-you/protection-underwriting/misrepresentation" target="_self" class="" title="Underwriting misrepresentation" role="menuitem"><span>Underwriting misrepresentation</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Trusts</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/trusts" target="_self" class="" title="Trusts" role="menuitem"><span>Trusts</span></a></li><li><a href="/supporting-you/trusts/types-of-trust" target="_self" class="" title="Types of trusts" role="menuitem"><span>Types of trusts</span></a></li><li><a href="/supporting-you/trusts/trs" target="_self" class="" title="Trust Registration Service - FAQs" role="menuitem"><span>Trust Registration Service - FAQs</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/protection-large-case-team" target="_self" class=" " title="Protection large case team" role="menuitem"><span>Protection large case team</span></a></li><li class=""><a href="/supporting-you/vulnerable-customers" target="_self" class=" " title="Vulnerable customers" role="menuitem"><span>Vulnerable customers</span></a></li><li class=""><a href="/supporting-you/suitability-letter-builder" target="_self" class=" " title="Suitability letter builder" role="menuitem"><span>Suitability letter builder</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Portals and integration</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/adviser-portal" target="_self" class="" title="Savings and Retirement Adviser Portal" role="menuitem"><span>Savings and Retirement Adviser Portal</span></a></li><li><a href="/online-services" target="_self" class="" title="Online services" role="menuitem"><span>Online services</span></a></li><li><a href="/online-services/portals" target="_self" class="" title="Third party portals" role="menuitem"><span>Third party portals</span></a></li><li><a href="/online-services/integration" target="_self" class="" title="Back office integration" role="menuitem"><span>Back office integration</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/setting-up-an-agency" target="_self" class=" " title="Setting up an Agency" role="menuitem"><span>Setting up an Agency</span></a></li><li class=""><a href="/supporting-you/lv-news" target="_self" class=" " title="Our future plans" role="menuitem"><span>LV= news</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Consumer Duty</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/consumer-duty-hub" target="_self" class="" title="Consumer Duty" role="menuitem"><span>Consumer Duty</span></a></li><li><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class="" title="Protection" role="menuitem"><span>Protection</span></a></li><li><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class="" title="Savings and Retirement" role="menuitem"><span>Savings and Retirement</span></a></li><li><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/why-lv" target="_self" class="has-sub " title="Why LV=" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Why LV=</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/why-lv" target="_self" class="" title="Why LV=" role="menuitem"><span>Why LV=</span></a></li><li><a href="/supporting-your-client/why-lv/mutual-bonus" target="_self" class="" title="Mutual bonus" role="menuitem"><span>Mutual bonus</span></a></li><li><a href="/supporting-your-client/why-lv/lv-difference" target="_self" class="" title="Exit bonus" role="menuitem"><span>One-off bonus</span></a></li><li><a href="/supporting-your-client/why-lv/our-awards" target="_self" class="" title="Our awards" role="menuitem"><span>Our awards</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/member-benefits" target="_self" class="has-sub " title="Member benefits" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Member benefits</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/member-benefits" target="_self" class="" title="Member benefits" role="menuitem"><span>Member benefits</span></a></li><li><a href="/supporting-your-client/member-benefits/legal-advice" target="_self" class="" title="Legal Advice Line" role="menuitem"><span>Legal Advice Line</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li></ul></li></ul></div></li></ul></div></li><li class="doc-library"><a href="/document-library" target="_self" class="" title="Document Library" role="menuitem"><span>Document Library</span><span class="icon-arrow"></span></a></li></ul></div></div><div class="product-nav hide-left"><ul><li class=" heading"><a href="/knowledge-centre/video-and-webinar-library" target="_self" class=" textlink" title="Video and Webinar Library">Video and Webinar Library</a></li><li class="active "><a href="/knowledge-centre/video-and-webinar-library/protection" target="_self" class=" textlink" title="Protection">Protection</a></li><li class=" "><a href="/knowledge-centre/video-and-webinar-library/retirement" target="_self" class=" textlink" title="Retirement and Investments ">Retirement and Investments </a></li><li class=" "><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class=" textlink" title="Equity Release Videos and Webinars">Equity Release Videos and Webinars</a></li></ul></div><span id="skipnav" class="sr-only"></span></div></div>
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When she suffered an unexpected stroke, her Income Protection cover provided important support to her and her family.</span></span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294740" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">LV= Business Protection</h2><span class="rte description body-copy"><span>An overview of key information on the support we offer for our Business Protection options, value-added services and tools to support your conversations.</span></span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294740" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">​Parent and Child Cover</h2><span class="rte description body-copy">An overview of parent and child cover, which is included automatically for all new Income Protection and Budget Income Protection policies.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294740" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">LV= Income Protection solutions</h2><span class="rte description body-copy">An overview of our Income Protection solutions including Income Protection, Personal Sick Pay, Executive Income Protection and any additional special features.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">LV= Protection Matchmaker</h2><span class="rte description body-copy">A quick demonstration of how to use this tool.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">LV= Flexible Protection Plan</h2><span class="rte description body-copy">Menu protection from the heart. We put protecting income at the heart of our menu plan, making it easy for you to recommend the LV= Flexible Protection Plan to your clients.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Protection Progress Hub</h2><span class="rte description body-copy">A walkthrough demonstration: How to access and use the Hub</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">LV= Doctor Services</h2><span class="rte description body-copy">Our Doctor Services app is accessible for clients, day or night. Here&rsquo;s how to use the app, and more on the expert medical services available.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Pre Underwriting tool</h2><span class="rte description body-copy">A quick demonstration for how to use this tool.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div></div><div class="component-area "><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Family Income Benefit</h2><span class="rte description body-copy">This short video provides an overview of Family Income Benefit from LV=.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Life Insurance</h2><span class="rte description body-copy">This short video provides an overview of Life Insurance from LV=.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294741" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Life and Critical Illness</h2><span class="rte description body-copy">This short video provides an overview of Life and Critical Illness Cover from LV=.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294742" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Income Protection</h2><span class="rte description body-copy">This short video provides an overview of Income Protection from LV=.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294742" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Personal Sick Pay</h2><span class="rte description body-copy">This short video provides an overview of Personal Sick Pay from LV=.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294742" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Business Protection: Key Person Cover</h2><span class="rte description body-copy">Explore how businesses can survive if a key person in the business dies, or becomes seriously ill with the support of Key Person Cover.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294742" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Business Protection: Relevant Life cover</h2><span class="rte description body-copy">A jargon-free introduction to how Relevant Life Cover works and looks to your clients and their staff.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;amp;cy=0.5&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=6E19506EBE1B69AFCFF053446D639309 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;amp;cy=0.5&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=C40D05E283DC0F92F5445969A9FD7838 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;amp;cy=0.5&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=1BA958094C1312BFD904E89404FE237D 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;amp;cy=0.5&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=DF88497B1C70C2A62A78A95BFC15647F 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;amp;cy=0.5&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=DF88497B1C70C2A62A78A95BFC15647F" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div><div class="component-holder"><div id="1782855294742" class="video-overlay"><div class="video-thumbanail video-holder right"><div class="content"><h2 class="title h2">Business Protection: Share and Partnership Protection</h2><span class="rte description body-copy">Insuring a business&rsquo; most valuable asset &ndash; their owners &ndash; can keep business running as normal. Learn more about the importance of Share and Partnership Protection.</span></div><div class="image-holder"><div class="video-wrapper"><div class="video-holder  bg-color"><div class="poster"><picture><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=207&amp;amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=414&amp;amp;hash=E6198615EDA770914372FAC23237CE83 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=386&amp;amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0 1x,/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=772&amp;amp;hash=64E6E37052CF6BC84B4C74B12D73012A" class="" alt="Placeholder"/></picture><a href="#" class="icon-play play-button textlink" title="PLAY">PLAY</a></div></div><div class="transcript"><button class="icon-plus">Open video transcript</button></div></div></div></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"verticalTabs","reactName":"Athena.verticalTabs","id":"917a18b0-7218-493c-bb49-22e89a65a136","type":"dynamic","props":{"Id":{"Guid":"73bfa757-6899-4633-b1f6-dcea9b836e97"},"tabs":[{"Id":null,"tabHeading":"Videos for adviser use only","tabContent":[{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"1aa79470-2a3c-46fc-9bdd-0a42c82bd9ad","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/1004437262/af83bbf438","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Jennie Gow&#39;s protection story","type":"h2"},"transcriptContent":"<p><span>00:00:02 Speaker 1&nbsp;</span></p>\n<p><span>My name's Jennie Gow. I'm an F1 presenter and pitlane reporter for the BBC. I love motorsports and get to travel the world with the F1 circus, which is what they call it, but I'm also a wife and a mum to a little girl and I love my life. I'm very lucky.&nbsp;</span></p>\n<p><span>00:00:21 Speaker 1&nbsp;</span></p>\n<p><span>My life changed drastically on the 29th of December 2022, a date that I will now always remember. I picked up a really heavy cold just before Christmas. I spoke to the doctors. They said it was nothing to really worry about. When I coughed, kind of, one last time, and that cough ruptured or dissected the carotid artery, which is one of the four arteries that go up from your neck into your brain. And obviously I didn&rsquo;t realise that, but yeah, that cough was the final straw, I suppose. That&rsquo;s when I collapsed in the bathroom and obviously my husband found me and that&rsquo;s when the whole stroke kicked in.</span></p>\n<p><span>00:00:58 Speaker 1&nbsp;</span></p>\n<p><span>I don't really remember too much. It's like a shutter opening and closing of my memories. I don't remember the trip into the hospital at all, apart from my daughter was there and she held my hand and that was the last time.&nbsp;</span></p>\n<p><span>00:01:32 Speaker 1&nbsp;</span></p>\n<p><span>Yeah, that was the last time my hand actually was working, cause the right-side paralysis set in at that point.&nbsp;</span></p>\n<p><span>00:01:42 Speaker 1&nbsp;</span></p>\n<p><span>I remember my husband coming in. That was surreal, and then my daughter came in as well and by that point, I couldn't reach out to them or touch them and&nbsp; I couldn't speak to them, still didn't really know what was going on. I wasn't really that aware of my surroundings and why I was there even. So at that point in time, I think my husband was going through a whole world of emotions. He was in a relatives room, being briefed about what had happened.</span></p>\n<p><span>00:02:22 Speaker 1&nbsp;</span></p>\n<p><span>And they did confirm to him that I'd had a stroke and that it could be certainly life altering, but also potentially fatal. Even though they removed the clot, it's not quite as simple as that. The brain doesn't just heal, the damage that is done is there forever.&nbsp;</span></p>\n<p><span>00:02:45 Speaker 1&nbsp;</span></p>\n<p><span>I remember waking up and obviously I was in this operating theatre. I had no idea where I was or what had happened. My husband was by my side, so that was reassuring, but I still couldn't speak to him, I still couldn&rsquo;t really gesture to him. I just had no words and that was really hard.&nbsp;</span></p>\n<p><span>00:03:00 Speaker 1&nbsp;</span></p>\n<p><span>And for me as a broadcaster, not being able to speak was so alien. So, all I could concentrate on with that was trying to fix myself, I suppose, to try and get myself back to speaking.&nbsp;</span></p>\n<p><span>00:03:17 Speaker 1&nbsp;</span></p>\n<p><span>The care that I received was amazing. Honestly, the nurses, the therapists and the doctors were all amazing. I was so lucky. The nurse in particular, that I remember. She said you need to try and find your voice again. So get angry and just in your head try and shout it out.</span></p>\n<p><span>&nbsp;</span>00:03:37 Speaker 1&nbsp;</p>\n<p><span>\nGet angry and just say Ah, and somehow I did and. Yeah, she was so kind. And I would not be beaten.&nbsp;</span></p>\n<p><span>00:03:56 Speaker 2&nbsp;</span></p>\n<p><span>It's really hard looking back at that cause you know that that moment might have been a defining moment in your life. But thank goodness she was there and she drove me and made me speak again.&nbsp;</span></p>\n<p><span>00:04:13 Speaker 1&nbsp;</span></p>\n<p><span>So I have this amazing financial adviser called Ian who runs a little company called Druthers, and he advised us in, I think August of 2022 that it would be wise to take some sort of protection for my income just in case the worst happened.&nbsp;</span></p>\n<p><span>00:04:40 Speaker 1&nbsp;</span></p>\n<p><span>And at that point you think, but do I need it? I'm perfectly fit and well, but took out a policy with LV= just to protect my income going forward and that was quite an astute move, it turns out. No one had a glass ball. We didn't know what was about to happen, but when we were in hospital, just knowing that we had that protection and that LV=, as soon as we phoned them and they kicked in and together with Ian and LV=, they all behind the scenes for us as a family, they were able to proceed and cover us going forward, which was.. I mean, it was a life changer for us because I couldn't speak, let alone work and we didn't know if I'd ever get back to broadcasting.</span></p>\n<p><span>00:05:42 Speaker 1</span></p>\n<p><span>So to have that just peace of mind that actually would be okay, that was such a great help at that time. Throughout all of this process, if they hadn't have been there to support me, I don't know quite where would have been. It would have been a very different situation.</span></p>\n<p><span>00:06:01 Speaker 1</span></p>\n<p><span>When Ian contacted LV=. I don't think there were any questions of or are we going to pay? Are we not? Are you actually protected or not? It was just automatic that this has happened. Fill out these forms. You need to react to this, and we will have your back, and as a company it was quite impressive to be honest.&nbsp;<br />\nSo not only did LV= support me in the financial side of things, but I explained to them that I was desperate to get back to work and they suggested that actually, they could support me with some more therapy. LV= have been great in helping me get back to work, or at least trying to get back to work.</span></p>\n<p><span>00:06:50 Speaker 1</span></p>\n<p><span>I have a case handler called Alison Hewitt. I've never met her, obviously, but we've spoken a lot on email. I feel sorry for her because the case file must be massive because I'm messaging her all the time saying &lsquo;oh I've got some work, I'm working this week!&rsquo; so yeah she's been great. She feels like she's part of my extended bubble of therapists really. Because I messaged her so many times and we speak on the phone every now and then and it's a really nice relationship, and I wouldn't have expected that from an insurance company.</span></p>\n<p><span>00:07:18 Speaker 1</span></p>\n<p><span>And I trust LV= and I trust Alison that they want me to get back to work. And if I can, that's great. If I can't, that's another conversation and it will for me feel like I've failed if I can't get back to &lsquo;my old me&rsquo;.&nbsp;</span></p>\n<p><span>00:07:36 Speaker 1</span></p>\n<p><span>But knowing that Alison is there and if I have a setback that LV= and she will understand that, and still be there to support me - it's very powerful that connection.<br />\nI remember just at the end of the phone call, starting to cry, I cry a lot, but it was just such a relief that I found this policy and unbeknown to me at the time, signed up to a company that would really support me.</span></p>\n<p><span>00:08:11 Speaker 1</span></p>\n<p><span>I think that meeting with Ian and Druthers really helped our decision-making. I don&rsquo;t think if it had been left to me, I would ever gone &ndash; you know what I need today? I need some income protection. I wouldn&rsquo;t have had that thought. But actually having that protection and the level of protection I did, has been life changing.</span></p>\n<p><span>00:08:38 Speaker 1</span></p>\n<p><span>And if you can, I'd definitely recommend this insurance and protection because it's just for those times when you think you're floating at the top of the cloud and everything's going great and all of a sudden, you've dropped through the cloud and you've got nothing. You're falling, and this is just a parachute to keep you off the ground, and it is.. it's a lifesaver.&nbsp;<br />\n<div>&nbsp;</div>\n</span></p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Jennie Gow&#39;s protection story","type":""},"description":"<span>Jennie Gow is a Formula 1 broadcaster, wife and mother. When she suffered an unexpected stroke, her Income Protection cover provided important support to her and her family.</span>","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"cee65562-3add-4a17-ba60-bc5c5e069f1e","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/927991290/a685886d51","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - LV= Business Protection","type":"h2"},"transcriptContent":"<p><strong><span>Business Protection from LV=</span></strong></p>\n<p><span>This short video will give you an overview of our Business Protection offering.</span></p>\n<p><span>We offer stand out Business Protection and help you add value to your advice with high-quality product options and Business Care included.</span></p>\n<p><strong><span>Who are our Business Protection products aimed at?</span></strong></p>\n<p><span>Small and medium sized businesses to help safeguard their financial future.</span></p>\n<p><strong><span>What Business Protection support do we offer?</span></strong></p>\n<p><strong><span>Key Person Cover</span></strong></p>\n<p><span>If your client is looking to protect the key people in their business, we offer&hellip;</span></p>\n<p><strong><span>Key Person Cover</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>A Key Person Cover calculator to help with your recommendations.</span></li>\n    <li><span>Key person trusts for use with partnerships if the key person is an employee or business owner.</span></li>\n</ul>\n<p><strong><span>Share and Partnership Protection</span></strong></p>\n<p><span>If your client is looking to protect their share of their business if another owner dies or is diagnosed with a critical illness, we offer&hellip;</span></p>\n<p><strong><span>Share and Partnership Protection</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Business Valuation calculator and Premium Equalisation calculator to help you recommend the correct cover.</span></li>\n    <li><span>Draft shareholder and partnership trust and draft cross option agreements, to help make the process easier for your client.</span></li>\n</ul>\n<p><strong><span>Relevant Life Cover</span></strong></p>\n<p><span>If your client is looking to provide their employees with death in service cover using a tax-efficient life insurance policy, we offer&hellip;</span></p>\n<p><strong><span>Relevant Life Cover</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Continuation options that allow clients to take personal ownership of the product under certain circumstances.</span></li>\n    <li><span>Relevant Life Cover calculator, showing how much cover your client can have and how much they could save.</span></li>\n</ul>\n<p><strong><span>Executive Income Protection</span></strong></p>\n<p><span>If your client is looking to protect their employee&rsquo;s income by providing sick pay benefits, we offer&hellip;</span></p>\n<p><strong><span>Executive Income Protection</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Simple handy guides to support you and your conversations with clients.</span></li>\n    <li><span>Regular webinars to help you explain how Executive Income Protection could meet your clients&rsquo; needs.</span></li>\n</ul>\n<p><strong><span style=\"color: black;\">What makes LV= Business Protection different?</span></strong></p>\n<p><span style=\"color: black;\">Access to Business Care <span class=\"oypena\">&sup1;</span> (for the policyholder only) and LV= Doctor Services <span class=\"oypena\">&sup2;</span> (life insured only) at no extra cost when your client takes out their policy.</span></p>\n<p><span class=\"oypena\" style=\"color: black;\">&sup1;For the policyholder only</span></p>\n<p><span class=\"oypena\" style=\"color: black;\">&sup2;Life insured only</span></p>\n<p><span style=\"color: black;\">Our Business Care includes free access to:</span></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span style=\"color: black;\">Business legal advice</span></li>\n    <li><span style=\"color: black;\">Business tax and VAT advice</span></li>\n    <li><span style=\"color: black;\">Personal legal advice line</span></li>\n</ul>\n<p><span style=\"color: black;\">LV= Doctor Services provides access to six expert medical services</span><span style=\"color: #0d2c41;\" class=\"oypena\"> &sup1;</span><span style=\"color: black;\"> including:</span></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span style=\"color: black;\">24/7 Remote GP</span></li>\n    <li><span style=\"color: black;\">Prescription service</span></li>\n    <li><span style=\"color: black;\">Second opinion service</span></li>\n    <li><span style=\"color: black;\">Remote physiotherapy service</span></li>\n    <li><span style=\"color: black;\">Remote psychological service</span></li>\n    <li><span style=\"color: black;\">Discounted health MOTs</span></li>\n</ul>\n<p><span class=\"oypena\" style=\"color: black;\">&sup1;For the life insured and their spouse or partner providing they live at the same address</span></p>\n<p><strong><span style=\"color: black;\">We also offer&hellip;</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span style=\"color: black;\">Expert and professional support from our dedicated Account Managers who are on hand to help with any queries.</span></li>\n</ul>\n<p><span style=\"color: black;\"></span><strong><span style=\"color: black;\">We also offer&hellip;</span></strong></p>\n<ul>\n    <li><span style=\"color: black;\">Our Business Risk calculator, helping you demonstrate the risk of key people suffering a critical illness or death, and the financial impact this would have.</span></li>\n</ul>\n<p><span style=\"color: black;\"></span><strong><span style=\"color: black;\">We also offer&hellip;</span></strong></p>\n<ul>\n    <li><span style=\"color: black;\">Client facing documents to support your conversations.</span></li>\n</ul>\n<p><span style=\"color: black;\">If you have any questions or want to find out more, please contact your LV= Account Manager.</span></p>\n<p><span style=\"color: black;\">Or, visit LVadviser.com/BP</span></p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"LV= Business Protection","type":""},"description":"<span>An overview of key information on the support we offer for our Business Protection options, value-added services and tools to support your conversations.</span>","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"7641c59b-1d55-4fe5-9446-d0a5575b9a01","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/868008264/b066b90bf1?share=copy","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Parent and Child Cover","type":"h2"},"transcriptContent":"<p><strong>Parent and child cover</strong></p>\n<p>This short video will give you an overview of parent and child cover, included automatically for all new Income Protection and Budget Income Protection policies</p>\n<p><strong>Who does it cover?</strong></p>\n<p>It covers the policyholders children from birth to age 21, whether they&rsquo;re natural children, stepchildren or legally adopted children</p>\n<p><strong>What does parent and child cover pay out?</strong></p>\n<p>We&rsquo;ll pay a lump sum equal to six times the monthly amount of cover if the policyholders child is diagnosed with one of the specified illnesses or has one of the specified surgical procedures, as detailed in our policy conditions</p>\n<p>The maximum payment that can be received is &pound;25,000 and we&rsquo;ll only pay out once for each child per policy</p>\n<p><strong>What does it cover?</strong></p>\n<p>54 specified illnesses or medical procedures, which are detailed in our policy conditions including:</p>\n<ul style=\"list-style-type: disc;\">\n    <li>Blindness or partial loss of sight</li>\n    <li>Deafness or partial loss of hearing</li>\n    <li>Bacterial meningitis resulting in permanent symptoms</li>\n    <li>Cardiac arrest </li>\n    <li>Cancer &ndash; excluding less advanced cases</li>\n    <li>Major organ transplant</li>\n</ul>\n<p><strong>What does it not cover?</strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li>Illnesses and medical procedures not listed in our policy conditions</li>\n    <li>Claims linked to drug or alcohol abuse, or failure to follow medical advice</li>\n    <li>Symptoms diagnosed before the policy start date, or where the parent was aware of an increased risk of their child suffering from one of the listed conditions we cover</li>\n</ul>\n<p><strong>Why is parent and child cover so valuable?</strong></p>\n<p>The money paid could allow parents to take unpaid leave from work to care for their child, or cover costs associated with their medical treatment</p>\n<p>Parent and child cover helps to remove the added financial stress, allowing them to focus on what&rsquo;s most important</p>\n<p><strong>Parent and child cover</strong></p>\n<p>Included automatically for all new Income Protection and Budget Income Protection policies</p>\n<p>Providing peace of mind, at a time when it&rsquo;s needed most</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"​Parent and Child Cover","type":""},"description":"An overview of parent and child cover, which is included automatically for all new Income Protection and Budget Income Protection policies.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"fb9a7e13-e8d1-490f-b4b5-9ae116a057b2","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/1111215760","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - LV= Income Protection solutions","type":"h2"},"transcriptContent":"<p>\n</p>\n<p>Hello and welcome to this video on LV&rsquo;s Income Protection solutions. Today we'll cover an overview of our Income Protection product range including Income Protection, Personal Sick Pay and Executive Income Protection. We'll also look at the tools that can make life easier for you, learn about our standout features and understand how our products can be tailored to your client&rsquo;s needs and how we go above and beyond with emotional and practical support.</p>\n<p>Before we start looking at our Income Protection products, let's look at how you can help your clients realise the need. So, how can you help remove the risk and make protection personal for your clients? To make the risk personal, real and immediate, which many of you may have seen before, is the award-winning LV= Risk Reality Calculator.</p>\n<p>If you haven't used the Risk Reality Calculator before, it works on laptop&rsquo;s, PC&rsquo;s iPad&rsquo;s, tablets and any other mobile device. All you need is an internet connection. Simply answer four questions including name, age, smoker status, and chosen retirement age, press the calculate button and it generates a bespoke personalised report for your client in seconds. The report very quickly highlights the need for financial protection and particularly, the need to protect an income. Being off work for 2 months or more before a chosen retirement age is often the highest risk, but also the least thought about. The report can be printed off, and you can put this with your client&rsquo;s recommendation to embed the need for protection cover. This gives you an ideal opportunity to introduce protection early on in the mortgage process or review your own process to bring protection more up front. As the calculator is client facing, you can also add a link to the calculator in your email footer as well as your company website. It&rsquo;s a sales must and a firm favourite with many advisers. Try it today.</p>\n<p>Don&rsquo;t forget we also have&hellip;</p>\n<p>Our Income Shortfall Calculator, which shows how much income your client could lose if they were unable to work and how much of it you could protect with LV= Income Protection. </p>\n<p>Budget planners to capture your client&rsquo;s outgoings and compare them to the current state benefits they could receive to help you handle objections. </p>\n<p>Now, we've got LV&rsquo;s Income Protection. It's our traditional plan generally suited to lower risk professions as well as homemakers that allows your client to protect up to 60% of their income. We offer Full Income Protection and Budget Income Protection with a 12 and 24 month option to provide quality of cover at a substantially reduced price for those cost-conscious clients. Please note that the Budget Income Protection with a 12 month claim period is only available with guaranteed premiums. Income Protection has many valuable features including </p>\n<p>Sick pay guarantees for medical professionals and teachers to simply pay out to fit alongside their sick pay arrangements (available if a 12-month waiting period chosen). </p>\n<p>Automatic exclusion review periods to remove exclusions upon request if your client suffers no further symptoms. </p>\n<p>Parent and child cover, which pays 6 times the monthly benefit amount as a lump sum, at a maximum payment of &pound;25,000 if your client&rsquo;s child is diagnosed with one of our specified conditions. </p>\n<p>We also have our rehabilitation support services offering support from as early as the waiting period to aid recovery before your client and symptoms get worse, and that may be capped at 3 times the monthly benefit</p>\n<p>Fracture cover, which pays a fixed lump sum if your client is diagnosed with a specified bone fracture detailed in the policy conditions.</p>\n<p>Death Benefit that pays a fixed lump sum if your client dies before the end of their policy. The amount varies depending on how long the policy has been in force.</p>\n<p>Payment holiday, so your client won't have to pay their premiums for up to 6-months over the term of their policy if they become involuntarily unemployed.</p>\n<p>&pound;1,500 benefit guarantee protecting your client against a genuine drop in income. </p>\n<p>Pay my mortgage facility to allow the family to have all or some of their monthly income paid directly to their lender to cover their regular mortgage payment.</p>\n<p>Rental guaranteed increase option so your clients can amend their cover if they move to a new property or their landlord imposes a rental increase.</p>\n<p>LV&rsquo;s Personal Sick Pay is our specialist Income Protection which targets clients in riskier occupations where traditional Income Protection can be expensive. The cover is aimed at more manual workers such as builders, carpenters, nurses, social workers, as well as benefits for the self-employed. Personal Sick Pay has age-costed pricing and doesn't take into account the client&rsquo;s occupation or their smoker status. This means the price goes up over the term of the policy as your client gets older. Personal Sick Pay allows your client to protect up to 60% of their income and pays a monthly benefit if your client is unable to work due to illness or <s>accident</s> injury. </p>\n<p>We offer a Full Personal Sick Pay and a Budget Personal Sick Pay which is available with a 24 month claim period. Personal Sick Pay has a number of features tailored for clients in higher-risk occupations including Aged &ndash; costed premiums</p>\n<p>a weekly or monthly claim benefit payment option and Personal Sick Pay &pound;1,000 guarantee, protecting your client against a genuine drop in income. We have automatic exclusion review periods to remove exclusions upon request if your client suffers no further symptoms. Back to work support, this time offering specialist rehabilitation support and advice when we're paying a claim. This may be capped at one times monthly benefit amount. We also have a pay my mortgage facility to allow the family to have all or some of their monthly income paid directly to their lender, to cover their regular mortgage payment.</p>\n<p>Now we&rsquo;ll move on to Executive Income Protection. So, what is Executive Income Protection? And what makes it different? </p>\n<p>EIP is taken for the benefit of the employer to help cover the cost involved in providing sick pay to key employee.</p>\n<p>It can cover up to 80% of an employees earned income. This time including salary, overtime, bonuses, director&rsquo;s fees, benefits and dividends including spousal dividends. The LV= plan has an option at an additional cost to cover employer National Insurance contributions and pension scheme contributions. Really important is the tax efficiency of the premiums and any claim payments from Executive Income Protection for the employer and the employee. Employees do move jobs frequently so, being able to take your plan with you to a new employer is an essential flexible benefit. Also, employee earnings can go up over time so you want the cover to keep pace with that. Pension Legislation changes could impact NICs or maximum pension contributions. In either of these cases, it's possible to take advantage of the guaranteed insurability options to increase cover with certain limits.</p>\n<p>Finally, as with all LV&rsquo;s Protection policies, there are added value benefits for the employer and the employee. Who can take out Executive Income Protection? Firstly, it's always set up on a single life, life of another basis with the employer as the policy owner and the employee the person insured. To be eligible, the employer policy owner must be running a business that is registered in the UK and permanently based in the UK. The employee person insured must be: employed by the policy owners business, earn a taxable income from that business and be a permanent UK resident that has lived in the UK and has been registered with a UK GP for the last two years continuously, immediately prior to the policy being taken out. </p>\n<p>It's worth noting that the LV&rsquo;s Executive Income Protection is part of the Business Protection menu. So, it's possible to take out this policy and other business protection policies all on one application, provided the applicant policy owner is the same for each one. Not only is this a time saver that leads to more straight forward multiple sales and a discount for more than one policy in the menu plan.</p>\n<p>So before we finish, let's remind ourselves of the Income Protection product range. Income Protection is our traditional product aimed at clients in less risky jobs, homemakers and it includes special features for doctors and surgeons.</p>\n<p>Personal Sick Pay is our specialist Income Protection aimed at clients in riskier jobs who can be more expensive to insure.</p>\n<p>Executive Income Protection is designed for small to medium businesses, to cover the cost of providing regular monthly sick pay to an employee.</p>\n<p>Income Protection, Personal Sick Pay and Executive Income Protection can come as budget versions, with all the same features and benefits. For Income Protection, this is available with the 12 or 24 month claim period. The 12 month claim period is available with guaranteed premiums only.</p>\n<p>For Personal Sick Pay, a budget version is available with a 24 month claim period. For Executive Income Protection, this is available with a 12 or 24 month claim period.</p>\n<p>Here&rsquo;s our LV= Doctors services. We're here for your clients when they need us most. Your clients and their partner spouse, provided that they are living at the same address, will have access to expert medical advice services all available on the handy app or by phone wherever they are. That includes: 24-7 remote GP, remote mental health support and treatment from qualified counselors, remote physiotherapy service to diagnose, treat and health rehabilitation, private prescription services, discounted health MOTs and healthy living plans. Expert second opinion to review diagnosis and treatment options. </p>\n<p>Your client&rsquo;s children are also covered up to age sixteen for Remote GP services, prescription services and second opinion. Of course, where the client is the parental guardian. For remote physiotherapy or remote psychological support, your client may be limited to five free sessions a year and that cap is shared between the policy holder and their spouse or partner. </p>\n<p>So nothing left for me to say other than thank you very much for your time today. Please contact your LV= Account Manager who'll be more than happy to support and help with any questions or queries that you may have.</p>\n<p>Thank you again for your time and have a great day.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"LV= Income Protection solutions","type":""},"description":"An overview of our Income Protection solutions including Income Protection, Personal Sick Pay, Executive Income Protection and any additional special features.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"4fef12f1-e120-4e86-9c54-318a5e65ca27","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/836537177/0fc46cdcc5","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript: LV= Protection Matchmaker","type":"h2"},"transcriptContent":"<div>\n<p><span>Hello, my name is Jamie Wills and I&rsquo;m one of the Business Development Managers here at Liverpool Victoria. We are excited to share our digital menu tool, Protection Matchmaker, and today I&rsquo;m going to walk you through its use and its benefits.</span></p>\n<p><span>So how does our tool help with you menu recommendations? It Highlights the need for protection to the client, it helps you understand the risks your client may face throughout their working life, and it shows the LV= products and their features that could best suit their protection needs based on the target market for those products.</span></p>\n<p><span>Protection Matchmaker can help you bring our menu of products into the heart of the protection conversations and can help find the features your clients will love.&nbsp;</span></p>\n<p><span>Protection Matchmaker gives you a bespoke report based on the client information that you provide and this can help structure your protection conversations, by highlighting the different solutions your client may want to consider, and giving examples of how LV=&rsquo;s products and their benefits could suit their circumstances. We have integrated our Risk Reality Calculator in to the tool as well, enabling you to demonstrate, but more importantly discuss, your client&rsquo;s exposure to certain risks during their working life and their attitudes towards these.</span></p>\n<p><span>This tool is fantastic for planning, or keeping conversations on track where the client isn&rsquo;t aware of the risks and how their lives could be impacted, or the solutions that could help provide peace of mind and financial security for them and their family should the worst happen. Access is easy, and generating the report is quick which could assist with the efficiency of your conversations. The tool will ask for generic information about your client, or clients, and their basic living circumstances which we will come on to shortly.</span></p>\n<p><span>So let&rsquo;s go ahead and have a look at an example. To find the tool, you&rsquo;ll first need to head on over to our website, www.lvadviser.com, and navigate to Protection, Personal Protection and Tools and Calculators. Once here, you&rsquo;ll want to select Protection Matchmaker and by clicking launch our Protection Matchmaker tool, it will open in a new page.&nbsp;</span></p>\n<p><span>Once the tool is open, you will need a small amount of information about your client, which you might already know from your initial call or fact find meetings. But you will need, their age, gender, smoking status and retirement age, whether they have children, and if someone else is financially dependent upon them and also the type of occupation they have, and what their living arrangements might be. For example, do they or will they have a mortgage, are they renting or are neither applicable to them.&nbsp;</span></p>\n<p><span>Please be aware that joint application enquiries would also require the second client&rsquo;s details.&nbsp;</span></p>\n<p><span>Our Protection Matchmaker tool is designed to give you and your client an idea of how likely certain life events are to happen to them before they retire, and to show you which of our products could be best suited to them. Once you&rsquo;ve entered their details, your client's data won't be stored anywhere other than to generate the report. Once the report is closed, your client's data will be deleted and won&rsquo;t be stored or used by LV=.</span></p>\n<p><span>For the demonstration, let&rsquo;s consider Jess. Jess is a single applicant, she&rsquo;s a 30-year old female who is considered a non-smoker. Jess&rsquo;s planned retirement age is 67 and she is a single parent, she has children but no-one else financially dependent upon her. Her occupation is considered low risk, and she has recently purchased her first property, using a mortgage to complete.&nbsp;</span></p>\n<p><span>So now let&rsquo;s go ahead and lot at the results now we&rsquo;ve completed her details.&nbsp;</span></p>\n<p><span>If you&rsquo;d like to download the report, the system will generate a PDF copy that you can save and discuss your client. If you need to start again, then you will get this opportunity and both of these options are available on the right hand side of the screen.</span></p>\n<p><span>As the tool is integrated with our Risk Reality Calculator, the results will appear alongside each product, allowing you to highlight the risks your client may face throughout their working life. Many clients think that it will never happen to them, so these statistics can be a great talking point when recommending policies, or a protection menu plan, as it helps them to consider their circumstances, and how they would cope financially. In Jess&rsquo;s case, Jess has a 40% chance of not being able to work for 2 months or more before her chosen retirement age.</span></p>\n<p><span>You can also see that the report has selected products that you may want to consider for Jess alongside your advice, and it handpicks features that our products offer, as you may want to discuss these with Jess because they are relevant to her circumstances.</span></p>\n<p><span>If you decide you need more information on these benefits before discussing these, we have included a &lsquo;read more&rsquo; button which gives you greater detail on the product features.</span></p>\n<p><span>Towards the bottom of the page we&rsquo;ve included a &lsquo;Quote and apply button&rsquo; so you can login to Fastway and produce quotes for your client. And we have also included some great reasons to consider LV= for your clients protection needs. We&rsquo;ve also included dedicated links to our online pre-underwriting tool and our latest claims statistics to further aide your conversations.</span></p>\n<p><span>In summary, this tool allows you to generate a bespoke report using a few details about your client and it will demonstrate what LV= products and features may be appropriate, based on our products target market, making it easier for you to recommend our menu of protection.</span></p>\n<p><span>Thank you very much for your time today and your attention. If you'd like to know more, or have any questions, please contact your account manager. Thank you.</span></p>\n</div>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"LV= Protection Matchmaker","type":""},"description":"A quick demonstration of how to use this tool.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"059a43c2-ebb0-4e80-9e5b-bbfe3f8cddc0","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/829372247/d799b3e073?share=copy","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - LV= Flexible Protection Plan","type":"h2"},"transcriptContent":"<div>\n<p><span>Menu protection from the heart</span></p>\n<p><span>This short video will give you an overview of the LV= Flexible Protection Plan, our menu of protection</span></p>\n<p><span>We know that your clients face multiple risks in their lifetime, so they may need more than just one protection policy to ensure their financial risks are fully protected</span></p>\n<p><span>What is the LV= Flexible Protection Plan?</span></p>\n<p><span>Our menu plan includes a comprehensive package of protection products with flexible options, allowing you to tailor the plan to your clients protection needs, budget and lifestyle as well as adapt their cover throughout their life</span></p>\n<p><span>Products and value added services included in our menu of protection</span></p>\n<p><strong><span>Award-winning Income Protection Solutions:</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Full and budget options</span></li>\n    <li><span>Comprehensive features included as standard</span></li>\n    <li><span>Specialist cover for riskier occupations</span></li>\n</ul>\n<p><strong><span>Quality Critical Illness Cover:</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Cover options, from the more affordable to the extra peace of mind</span></li>\n    <li><span>Option to add enhanced children&rsquo;s cover for an additional cost</span></li>\n    <li><span>Available with or without Total Permanent Disability cover</span></li>\n</ul>\n<p><strong><span>Life Insurance options</span></strong></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Life Protection that pays a lump sum to help support your clients family when the unexpected happens</span></li>\n    <li><span>Family Income Benefit that pays a regular monthly income should the worst happen to help your client's family keep up with daily living costs</span></li>\n</ul>\n<p><span>What makes the LV= Flexible Protection Plan different?</span></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Your client gets emotional and practical support through LV= Doctor Services and Legal Advice Line</span></li>\n    <li><span>Expert and professional support from our teams. We&rsquo;ll be here for you and your client every step of the way</span></li>\n    <li><span>Simple applications through Fastway - our flexible quote and apply technology</span></li>\n    <li><span>Our Pre-Underwriting Tool allows you to enter conditions to get an instant, indicative decision for your client</span></li>\n</ul>\n<p><span>What tools do we offer to help with your menu recommendations?</span></p>\n<p><strong><span>Risk Reality Calculator </span></strong></p>\n<p><span>Our simple online tool that shows your client the importance of financial protection &ndash; it shows the likelihood of them (before their chosen retirement age):</span></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Being unable to work for more than two months (due to illness or injury)</span></li>\n    <li><span>Suffering a serious illness.</span></li>\n    <li><span>Dying</span></li>\n    <li><span>The probability of any of the above happening </span></li>\n</ul>\n<p><strong><span>Protection Matchmaker</span></strong></p>\n<p><span>Making protection more personal</span></p>\n<ul style=\"list-style-type: disc;\">\n    <li><span>Answer some simple lifestyle questions about your client</span></li>\n    <li><span>Integrated with our Risk Reality Calculator it shows you the risks your client may face throughout their life</span></li>\n    <li><span>And, see which of the products and features in the LV= menu plan could be most appropriate for your clients situation</span></li>\n</ul>\n<p><span>If you have any questions or want to find out more, please contact your LV= Account Manager, or visit LV.com/FPP</span></p>\n</div>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"LV= Flexible Protection Plan","type":""},"description":"Menu protection from the heart. We put protecting income at the heart of our menu plan, making it easy for you to recommend the LV= Flexible Protection Plan to your clients.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"902efcfb-bf6e-4e6f-a861-7d6931d432a3","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/657856723/cafc852a66","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Protection Progress Hub","type":"h2"},"transcriptContent":"<p>Hello and welcome to the demonstration of our Protection Progress Hub.&nbsp;</p>\n<p>How to access it and some of the new features available on the system.&nbsp;</p>\n<p>So to access it, you'd need to log in via the advisor centre in this section here.&nbsp;</p>\n<p>And once you've logged in, you will go to servicing and select Protection Progress Hub.&nbsp;</p>\n<p>I've loaded up some test cases to show you different statuses, what they look like, the functionality and how to manipulate the system.&nbsp;</p>\n<p>So bear with me as I run through that and ignore the names because these are all test cases.&nbsp;</p>\n<p>So the first case is a policy that has been submitted and is awaiting underwriting.</p>\n<p>&nbsp;Now, when you log into the progress hub, you will see this first screen, but it will have every case that is in your pipeline rather than just the one off there.&nbsp;</p>\n<p>You would select it by clicking anywhere along there.&nbsp;</p>\n<p>Click on view or anywhere along there.&nbsp;</p>\n<p>And the status will tell you the policy is awaiting underwriting.&nbsp;</p>\n<p>The target underwriting date again on a test system won't be valid, but on your system when it's live, it will be built in with our turnaround time.&nbsp;</p>\n<p>So it should give you an accurate idea of when the policy will be out of underwriting.&nbsp;</p>\n<p>You can look down and you see that you've already given us the bank details for this client and a start date, and it's got an application summary click through that will take you through to Fastway to have a look.&nbsp;</p>\n<p>There's also some information at the bottom that details the application history when it came in.&nbsp;</p>\n<p>Again, this won't be completely accurate for this one because it's a test set up, but on your live cases, it will have the historical events that have happened when a policy came through, when it was in underwriting, if evidence requested, etc.&nbsp;</p>\n<p>So the second type of case we're going to look at is one that has outstanding information.</p>\n<p>So you'll see here on the top bar for this one, further evidence is required.&nbsp;</p>\n<p>So if you click through to this one it will explain exactly what is required and where we requested it from.&nbsp;</p>\n<p>So at the top here, further evidence is required and the evidence is listed below.&nbsp;</p>\n<p>So it's a GP report, it's outstanding.&nbsp;</p>\n<p>It tells you exactly when it was issued and it will tell you the surgery name, address and contact details.&nbsp;</p>\n<p>That way, you'll be able to look at it, and if it's taken a while, you can prompt the client to get in touch with their GP to encourage them to speed up the process.<br />\nAgain, all the other available information is down the bottom here, including the application history.&nbsp;</p>\n<p>Going on to the next functionality, which is adding a start date, so you see here that the plan has been accepted, so terms have been issued and is now awaiting a start date and direct debit details.</p>\n<p>So you can click in now as before, you can look at the acceptance terms using the button here, it will have the acceptance confirmation.&nbsp;</p>\n<p>So that's really the email that will go out to you saying thank you for your application, the terms are attached.&nbsp;</p>\n<p>It'll have the illustrations and the particulars of insurance.&nbsp;</p>\n<p>You can download all or select individuals to save as PDFs.&nbsp;</p>\n<p>So in this instance, bank details have already been provided, but you can edit them by clicking on edit payment details.&nbsp;</p>\n<p>And you'll be asked who the bank account holder is.&nbsp;</p>\n<p>Now in the case of personal applications, it will typically be an own life policy, so will pre populate the name as we'd expect them to pay the premiums themselves and then you would add the bank details as you go.&nbsp;</p>\n<p>If it is a different payer than it is applicant, then you'd need to go through on the link here to complete a direct debit form, as is our standard process.&nbsp;</p>\n<p>You can also add a start date as well, so at this point, you can add one now because we've got bank details.&nbsp;</p>\n<p>If bank details aren't there it won't allow you to do that until that is the case.&nbsp;</p>\n<p>But you can add a start date.&nbsp;</p>\n<p>Before you go into that, you can always use the calculation tool to get a start date, so let's say start date is today and preferred payment is the third.&nbsp;</p>\n<p>It'll tell you when the first payment will be - on the 9th December - and when the second one will be.&nbsp;</p>\n<p>So it's a very common question.&nbsp;</p>\n<p>So it saves you making a phone call to inquire about that sort of thing.&nbsp;</p>\n<p>Adding a start date, as you'd expect fairly straightforward&nbsp;</p>\n<p>You would pick a start date and surprise, surprise, it tells you when the first payment is.&nbsp;</p>\n<p>The collection date on this one is the fifth so the first payment 9th of December and then the next one on the 5th of January.&nbsp;</p>\n<p>It tells you the payments amount so you can double check that.</p>\n<p>Finally, I'll show you a brand new function that is available when the policy goes live.&nbsp;</p>\n<p>So this policy has been set live.&nbsp;</p>\n<p>You can see all the different statuses again on the Quick Links tab.&nbsp;</p>\n<p>But the thing we have added very recently is policy documents.&nbsp;</p>\n<p>So now, you can access the policy schedule, the welcome letter, confirmation of direct debit and the policy conditions associated with the policy that has been applied for.&nbsp;</p>\n<p>So these are typically posted out over to you or the client, depending on how your agency is set up with LV.&nbsp;</p>\n<p>But now you haven't got worry, if it goes to you, about posting it on, you can simply access the policy schedule and email it to the client to save that postage.&nbsp;</p>\n<p>Finally, just almost going back a stage, I just wanted to have a look at the dashboard and some of the functionality in the dashboard.&nbsp;</p>\n<p>Now on this particular search, I've searched for a policy that's why there's only one there.&nbsp;</p>\n<p>But as I mentioned at the start, when you enter this, you will have all of your different applications listed here.&nbsp;</p>\n<p>You can filter them by what stage they're at.&nbsp;</p>\n<p>So it'll have the different stagings of the plans and where they are - you can do it in that order.&nbsp;</p>\n<p>You can filter by action required, that's what I would recommend because if there's an action required, either you or the client would need to do something, whether it's attend the medical or contact the GP to chase and it would automatically default to last updated.&nbsp;</p>\n<p>So whenever you go in, the most recent case that has had a change to it will be at the top.&nbsp;</p>\n<p>So that's a whistle stop tour of our Protection Progress Hub and the functionality.&nbsp;</p>\n<p>As I say this is designed to help you avoid having to make phone calls in order to action things such as start dates or get a copy of the policy document.&nbsp;</p>\n<p>So hopefully having a quick view of that makes you a bit more confident.&nbsp;</p>\n<p>As always, please get in contact with your account manager if you have any questions about this.&nbsp;</p>\n<p>We're more than happy to help, and thank you very much for your time.&nbsp;</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Protection Progress Hub","type":"h2"},"description":"A walkthrough demonstration: How to access and use the Hub","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"c65da47a-5175-493e-ad25-d6412fbea762","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/320504915/6f644508e6","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript – LV= Doctor Services","type":"h2"},"transcriptContent":"<p><strong>How to use LV= Doctor Services video transcript</strong></p>\n<p>LV= Doctor Services &ndash; working together with Square Health</p>\n<p>The LV= Doctor Services app helps you look after your health, whatever your medical concern &ndash; wherever you are. </p>\n<p>Download the free LV= Doctor Services app from your usual app store. </p>\n<p>Enter your email address and password to log in and complete a few personal details to get started. </p>\n<p>LV= Doctor Services gives you fast, convenient access to five expert medical services. Let&rsquo;s take a closer look:</p>\n<p><strong>&nbsp;</strong></p>\n<p><strong>Remote GP</strong></p>\n<p>Book a GP consultation to talk to a UK based doctor over the phone or video. You can choose the gender of the doctor you&rsquo;re most comfortable with. </p>\n<p>Choose the time that suits you and find out more about your doctor before your appointment. </p>\n<p>You&rsquo;ll receive an email confirmation as well as a reminder in the app itself.</p>\n<p>Remote GP allows you to see a doctor through your phone wherever you are.</p>\n<p><strong>&nbsp;</strong></p>\n<p><strong></strong><strong>Prescription services</strong></p>\n<p>If our doctor recommends a course of treatment, you&rsquo;ll be offered a private prescription. </p>\n<p>Your private prescription options:</p>\n<ul style=\"list-style-type: disc;\">\n    <li>Posted to you</li>\n    <li>Sent to a nominated pharmacy for collection</li>\n    <li>Medication delivered directly to your home (delivery fee applies</li>\n</ul>\n<p>Charges for any private medication will be explained in the GP consultation.</p>\n<p><strong>&nbsp;</strong></p>\n<p><strong>Second opinion</strong></p>\n<p>Get a second opinion if you&rsquo;re worried or unsure about a confirmed diagnosis&hellip;whatever the condition.&nbsp;</p>\n<p>You&rsquo;ll need your medical records, but don&rsquo;t worry &ndash; the app will guide you through how to do this.&nbsp;</p>\n<p>Speak to a UK based medical specialist best matched to your diagnosis, helping you make a well-informed decision about your health. </p>\n<p><strong>&nbsp;</strong></p>\n<p><strong>Remote physiotherapy</strong></p>\n<p>Book a video consultation with a UK based physiotherapist without needing a GP referral. Choose a time that suits you, including evening and weekends. </p>\n<p>You&rsquo;ll get an initial assessment giving advice and a bespoke treatment programme. You may even get an in-app exercise plan or an information pack and equipment to support your treatment.</p>\n<p><strong>&nbsp;</strong></p>\n<p><strong>Remote psychological services</strong></p>\n<p>Arrange a consultation with a UK based counsellor, therapist or psychologist. Choose to speak to a specialist via video or phone call at a time that suits you. </p>\n<p>You can also book an appointment directly by calling 0330 8221 776</p>\n<p>For more information about LV= Doctor Services download our handy guide at LV.com/doctorservices</p>\n<p>LV= Doctor Services &ndash; working together with Square Health.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"LV= Doctor Services","type":""},"description":"Our Doctor Services app is accessible for clients, day or night. Here&rsquo;s how to use the app, and more on the expert medical services available.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"e0e88729-b130-44d6-bd09-c026c72b724b","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/715999512/fc1d3ab820","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Pre Underwriting tool","type":"h3"},"transcriptContent":"Hello, my name is Steve Wright. I'm a protection consultant here at LV= and today I'm going to show you where you can find our excellent Pre-underwriting tool.<br />\n00:11<br />\nThis tool gives you instant indicative underwriting decisions ready for your client conversations. To find the tool you'll first need to log on to the Fastway system, and it&rsquo;s here where you normally do your quotes and your applications.<br />\n00:25<br />\nOnce you've logged in you'll be taken to your protection dashboard and here we've got three options. We can click to get a new quotation.<br />\n00:32<br />\nWe can click to go through to the protection progress hub, but today we're going to be looking at the pre-underwriting inquiry tool at the top of the screen here.<br />\n00:41<br />\nNow I honestly can't recommend this tool enough. It&rsquo;s the same system that our underwriters use when you call through to them.<br />\n00:47<br />\nA lot of my advisors and followers love the fact you have access to this tool at any time of the day.<br />\n00:51<br />\nAnd can get an immediate decision without any delays. So even if you're seeing a client late one evening, but you need to check BMI or family history, you can run through this tool with them easily.<br />\n01:03<br />\nSo let's have a little look at an example. So first of all, we need a small amount of information, so we need name, date of birth and smoker status.<br />\n01:20<br />\nNow the good news is you can even check multiple products and multiple disclosures using this tool, so today I'm going to be looking at &pound;100,000 worth of life cover, a variation as life and critical illness, and also income protection.<br />\n<br />\n01:43<br />\nAnd I thought that it'd be a good idea to explore two of the most common disclosures that I see on a day to day basis. And here we&rsquo;ve got a mental health and BMI, so I'm going to be looking at height and weight and medical history so I'm going to focus on depression today.<br />\n01:59<br />\nSo we're going to say the client is 5ft 10 and they&rsquo;re 16 stone.<br />\n02:04<br />\nIn terms of the condition we start typing depression and it&rsquo;ll allow you to pre populate that.<br />\n02:11<br />\nNow, in this instance, because the client is a civil servant and we've already got to the point now where we're going to be able to move forward to go through the depression questions.<br />\n02:23<br />\nSo the great news is all of these questions that we're going to go through today are exactly the same as the ones in the full application, so there won't be any hidden surprises. Any loading or exclusion that you see today would be exactly the same.<br />\n02:36<br />\nSo although I'm not going to go through and read out the questions that you can see on screen or explain my answers I'm just going to create an example here where we've got a client who's had a single episode of depression, they used to take medication, but they don't anymore.<br />\n02:57<br />\nAnd their last symptoms were back in 2020.<br />\n03:08<br />\nAnd here we are, so I've answered those questions and we're now in a position where we can move forward to check the client&rsquo;s disclosures and the impact on the protection policies.<br />\n03:21<br />\nSo the first one to notice is we&rsquo;re looking at standard life cover, standard, no difference to what you're quoting.<br />\n03:29<br />\nThe next we can see in life and critical illness we've got a non standard decision and the same for the income protection.<br />\n03:35<br />\nNow we can explore these decisions by clicking the more details hyperlink here so starting with life and critical illness there's a 25% loading due to the client&rsquo;s height and weight.<br />\n03:46<br />\nAnd also an exclusion under the total permanent disability for mental health, but the good news is that this is a reviewable exclusion.<br />\n03:54<br />\nWhich would be automatically removed after two years, if the client doesn't have any further episodes. Similarly under the income protection, we can see the same exclusion and again it's a reviewable exclusion for two years, which I think you'll agree is much fairer than a permanent exclusion.<br />\n04:12<br />\nSo, in summary, this tool allows you to check multiple disclosures across our products at any time of the day.<br />\n04:18<br />\nAllows you to manage your clients expectations and gain their commitment to continue to a full application. Thank you very much for your time and attention today. If you'd like to know more, or have any questions, please&nbsp;<span>contact your account manager.</span><br />\n<div>&nbsp;</div>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Pre Underwriting tool","type":""},"description":"A quick demonstration for how to use this tool.","isEditMode":false,"html":null}}]},{"Id":null,"tabHeading":"Product videos to be used with clients","tabContent":[{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"070980ce-543c-4814-967c-9ae4058f884e","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/728774509/2c1c96f316","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Family Income Benefit","type":"h2"},"transcriptContent":"<p>This short video will give you an overview of Family Income Benefit from LV=.</p>\n<p>This is a protection policy only and has no cash value. If you stop paying your premiums, your cover may stop and you won&rsquo;t get any money back.</p>\n<p><strong>What is Family Income Benefit?</strong></p>\n<p>Family Income Benefit pays out a regular monthly amount if you die or become terminally ill.</p>\n<p>It can provide financial security for your family, leaving them with one less thing to worry about when you&rsquo;re no longer around.</p>\n<p><strong>Why do I need Family Income Benefit?</strong></p>\n<p>You may already have some Life Insurance which could be covering your outstanding mortgage if you die. However, the monthly bills don&rsquo;t stop even if the mortgage is paid off.</p>\n<p><strong>How does Family Income Benefit work?</strong></p>\n<p>You can choose the amount and type of cover you want and how long you want your insurance to last.&nbsp;</p>\n<p>If you die during the chosen term, your family will receive an income every month, right up until your insurance comes to an end.&nbsp;</p>\n<p>Your insurance will also pay out if you&rsquo;re diagnosed with a terminal illness, and not expected to live for more than 12 months.</p>\n<p><strong>Everyday emotional and practical support from day 1</strong></p>\n<ul>\n    <li>LV= Doctor Services and our Legal Advice Line are available from the day your policy starts.</li>\n    <li>Providing you with a range of support services including access to virtual GP appointments, mental health support, physiotherapy, second opinions, legal advice and more.</li>\n</ul>\n<p>If you have any questions or want to find out more, your financial adviser can help. The information in this video should not be considered as financial advice. Please speak to your financial adviser to make sure Family Income Benefit is right for you.&nbsp;</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Family Income Benefit","type":"h2"},"description":"This short video provides an overview of Family Income Benefit from LV=.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"02d300c9-fc95-4183-9205-59c4c5cf898d","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/728102263/b712a4a074","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Life Insurance","type":"h2"},"transcriptContent":"<p>This short video will give you an overview of Life Insurance from LV=.</p>\n<p>This is a protection policy only and has no cash value. If you stop paying your premiums, your cover may stop and you won&rsquo;t get any money back.</p>\n<p><strong>What is Life Insurance?</strong></p>\n<p>Life Insurance pays a lump sum of money to your loved ones should you pass away during the term of your policy.</p>\n<p>Life Insurance helps you protect the ones you love should the worst happen.</p>\n<p>It pays out a cash lump sum if you pass away during the policy term, over this period you pay monthly premiums to LV=.</p>\n<p><strong>Why should you consider Life Insurance?</strong></p>\n<p>Everyone&rsquo;s circumstances are different. Your children, partner or other relatives may depend on you financially to cover things like the mortgage, household bills or other living expenses. Life Insurance will help provide for your family in the event of your death.</p>\n<p><strong>How does Life Insurance work?</strong></p>\n<p>You can choose the amount of cover you need and for how long.&nbsp;</p>\n<p>Your premiums won&rsquo;t change in the future unless you choose inflation-linked cover or make changes to your policy.</p>\n<p>You may be able to increase your cover, subject to age and cover limits, after specific life events without providing medical evidence.</p>\n<p>What you pay depends on your personal circumstances such as your age and whether you smoke.</p>\n<p><strong>Everyday emotional and practical support from day 1</strong></p>\n<ul>\n    <li>LV= Doctor Services and our Legal Advice Line are available from the day your policy starts.</li>\n    <li>Providing you with a range of support services including access to virtual GP appointments, mental health support, physiotherapy, second opinions, legal advice and more.</li>\n</ul>\n<p>If you have any questions or want to find out more, your financial adviser can help. The information in this video should not be considered as financial advice. Please speak to your financial adviser to make sure Life Insurance is right for you.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Life Insurance","type":"h2"},"description":"This short video provides an overview of Life Insurance from LV=.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"d4b95566-42d3-4f1c-a270-377f2cbb5f51","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/733926342/6851ee1172","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Life and Critical Illness","type":"h2"},"transcriptContent":"<p>This short video will give you an overview of Life and Critical Illness Cover from LV=.</p>\n<p>This is a protection policy only and has no cash value. If you stop paying your premiums, your cover may stop and you won&rsquo;t get any money back.&nbsp;</p>\n<p><strong>What is Life and Critical Illness Cover?<br />\n</strong></p>\n<p>Life and Critical Illness Cover pays out a lump sum should you die, or be diagnosed with one of the serious illnesses or conditions listed in your policy conditions (and survive for at least 14 days).&nbsp;<br />\n<br />\n<strong>Why should you consider Life and Critical Illness Cover?<br />\n</strong></p>\n<ul>\n    <li>1 in 2 of us will get cancer in our lifetimes. (Source: Cancer Research UK)</li>\n    <li>1 stroke happens every 5 minutes in the UK. (Source: Stroke UK)</li>\n    <li>Around a quarter of deaths in the UK are heart-related. (Source: British Heart Foundation)</li>\n</ul>\n<p>Life and Critical Illness Cover can protect your home, family and lifestyle providing one less worry during a difficult time.</p>\n<p><strong>How does Life and Critical Illness Cover work?&nbsp;</strong></p>\n<p>LV= have two options of Life and Critical Illness policies depending on your needs and budget.</p>\n<p><strong>Life and Critical Illness Cover</strong></p>\n<ul>\n    <li>Covers 48 conditions (including the illnesses you&rsquo;re more likely to claim on).</li>\n    <li>Doesn&rsquo;t include Children&rsquo;s Cover unless added for an additional cost.</li>\n    <li>Access to LV= Doctor Services and LV= Member Care Line.</li>\n</ul>\n<p><strong>Life and Enhanced Critical Illness Cover</strong></p>\n<ul>\n    <li>Covers 87 conditions for added peace of mind.</li>\n    <li>Includes Standard Children&rsquo;s Cover automatically for your children up to age 23. Option to upgrade to Enhanced Children&rsquo;s Cover for an additional cost.&nbsp;</li>\n    <li>Offers extensive cancer cover, including &pound;1,000 cost of cancer diagnosis payment.</li>\n    <li>Access to LV= Doctor Services and LV= Member Care Line.</li>\n</ul>\n<p><strong>Options to protect your family<br />\n</strong></p>\n<p>Standard Children&rsquo;s Cover<br />\n(Only with Life and Enhanced Critical Illness Cover at no added cost)</p>\n<ul>\n    <li>85 conditions covered.</li>\n    <li>Claim payments are up to &pound;25,000; equal to 50% of your cover amount (max payment of &pound;25,000).</li>\n    <li>Children are covered from birth until their 23rd birthday.</li>\n    <li>Child death payment of &pound;5,000 covers from birth.</li>\n</ul>\n<p>Enhanced Children&rsquo;s Cover<br />\n(Optional with both our plans at an added cost)</p>\n<ul>\n    <li>Covers 95 conditions including 10 child specific illnesses</li>\n    <li>Claim payments are up to &pound;35,000; equal to 50% of your cover amount (max payment of &pound;25,000).</li>\n    <li>Children are covered from birth until their 23rd birthday.&nbsp;</li>\n    <li>Added cover for 6 pregnancy complications.</li>\n    <li>Child death payment of &pound;5,000 covers from birth.</li>\n</ul>\n<p><strong>Everyday emotional and practical support from day 1</strong></p>\n<ul>\n    <li>LV= Doctor Services and our Legal Advice Line are available from the day your policy starts.</li>\n    <li>Providing you with a range of support services including access to virtual GP appointments, mental health support, physiotherapy, second opinions, legal advice and more.</li>\n</ul>\n<p>If you have any questions or want to find out more, your financial adviser can help. The information in this video should not be considered as financial advice. Please speak to your financial adviser to make sure Life and Critical Illness Cover is right for you.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Life and Critical Illness","type":""},"description":"This short video provides an overview of Life and Critical Illness Cover from LV=.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"4b8a5648-f794-4c17-95d1-6bc980540751","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/727770239/07942051d5","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Income Protection","type":"h2"},"transcriptContent":"<p>This short video will give you an overview of Income Protection from LV=.</p>\n<p>This is a protection policy only and has no cash value. If you stop paying your premiums, your cover may stop and you won&rsquo;t get any money back.</p>\n<p><strong>What is Income Protection?</strong></p>\n<p>Income Protection can replace up to 60% of your monthly earnings if you&rsquo;re unable to work due to illness or injury.</p>\n<p>It pays a monthly amount after your selected waiting period until you&rsquo;re able t return to work, until the end of your policy or until you die.&nbsp;</p>\n<p><strong>What is a waiting period?</strong></p>\n<p>Your waiting period is how long you wait before your policy starts paying out if your claim is accepted. You can choose 1,2,3,6, or 12 months. The longer the waiting period, the more affordable the monthly premium can be.</p>\n<p><strong>Why should you consider Income Protection?</strong></p>\n<p>A non-smoking couple in their mid-30&rsquo;s have a 60% chance of being unable to work for 2 months of more due to illness or injury before the retire at age 68.</p>\n<p>Income Protection can help minimise the financial impact of ill-health and support you and your family&rsquo;s current lifestyle and financial commitments.</p>\n<p>Income Protection from LV= includes a number of special features at no extra cost including parent and child cover, death benefit, fracture cover and more.</p>\n<p>Your financial adviser can explain more about these additional features.</p>\n<p>If you&rsquo;re a teacher, surgeon, doctor or dentist cover from LV= can be tailored to align to your employer&rsquo;s sick pay.</p>\n<p>LV= also offer budget options with all the same features. More affordable options that pay out for a maximum of 12 or 24 months for each claim.</p>\n<p><strong>Everyday emotional and practical support from day 1</strong></p>\n<ul>\n    <li>LV= Doctor Services and our Legal Advice Line are available from the day your policy starts.</li>\n    <li>Providing you with a range of support services including access to virtual GP appointments, mental health support, physiotherapy, second opinions, legal advice and more.</li>\n</ul>\n<p>If you have any questions or want to find out more, your financial adviser can help. The information in this video should not be considered as financial advice. Please speak to your financial adviser to make sure Income Protection is right for you.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Income Protection","type":"h2"},"description":"This short video provides an overview of Income Protection from LV=.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"81b181bb-0b4c-42f7-ba59-ef60d3904d02","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/729243722/c556ef8141","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Personal Sick Pay","type":"h2"},"transcriptContent":"<p>This short video will give you an overview of Personal Sick Pay from LV=.</p>\n<p>This is a protection policy only and has no cash value. If you stop paying your premiums, your cover may stop and you won&rsquo;t get any money back.&nbsp;</p>\n<p><strong>What is Personal Sick Pay?<br />\n</strong></p>\n<p>Personal Sick Pay is specially designed for people who work in riskier occupations such as tradespeople, nurses and electricians who can be more expensive to insure.</p>\n<p>It can replace up to 60% of your monthly earnings if you&rsquo;re unable to work due to illness or injury.&nbsp;</p>\n<p>It pays a monthly amount after your selected waiting period until you&rsquo;re able to return to work, until the end of your policy or until you die.</p>\n<p><strong>What is a waiting period?</strong></p>\n<p>Your waiting period is how long you wait before your policy starts paying out if your claim is accepted. You can choose day 1 through to 1,4,8,13,26 or 52 weeks. The longer the waiting period, the more affordable the monthly premium can be.</p>\n<p><strong>How does Personal Sick Pay work?</strong></p>\n<p>Personal Sick Pay has age-costed premiums. This means the price you pay depends on your age and the amount will increase over the length of your policy as you get older.</p>\n<p><strong>Why do you need Personal Sick Pay?<br />\n</strong></p>\n<p>A non-smoking couple in their mid-30&rsquo;s have a 60% chance of being unable to work for 2 months or more due to illness or injury before they retire at 68.&nbsp;</p>\n<p>Personal Sick Pay can help minimise the financial impact of ill-health and support you and your family&rsquo;s current lifestyle and financial commitments.&nbsp;</p>\n<p><strong>Budget options with all the same features<br />\n</strong></p>\n<p>A more affordable option is available that pays out for a maximum of 24 months for each claim.&nbsp;</p>\n<p><strong>Everyday emotional and practical support from day 1<br />\n</strong></p>\n<ul>\n    <li>LV= Doctor Services and our Legal Advice Line are available from the day your policy starts.</li>\n    <li>Providing you with a range of support services including access to virtual GP appointments, mental health support, physiotherapy, second opinions, legal advice and more.</li>\n</ul>\n<p>If you have any questions or want to find out more, your financial adviser can help. The information in this video should not be considered as financial advice. Please speak to your financial adviser to make sure Personal Sick Pay is right for you.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Personal Sick Pay","type":"h2"},"description":"This short video provides an overview of Personal Sick Pay from LV=.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"acc76623-691d-4aac-947b-3e5985ae8bdf","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/218128808/664177c2a6","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript – Key Person Cover","type":"h2"},"transcriptContent":"<p>Business as usual can suddenly become very difficult if one of your key employees, someone the business heavily relies on, dies or suffers a serious illness.<br />\n<br />\nHow long could your business survive without them?<br />\n<br />\nDifferent types of businesses will have different key people. They could be your best performing sales person, a software engineer, one of the business owners.<br />\n<br />\nAnd the risks associated with losing a key person can include:</p>\n<ul>\n    <li>Production being stopped.</li>\n    <li>Sales targets being missed.</li>\n    <li>The loss of important business contracts.</li>\n    <li>The business might have to pay large penalties if goods or services aren't delivered, and your bank might lose confidence business loans can be repaid and demand the debt is cleared.</li>\n</ul>\n<p>Key Person cover is a type of insurance that can protect the survival of your business. It pays out a lump sum if your key employee dies or is diagnosed with a critical illness.<br />\n<br />\nYou can use the money to:</p>\n<ul>\n    <li>Clear business debt that would have to be repaid due to the loss of a key person.</li>\n    <li>Help cover recruitment costs.</li>\n    <li>Make up any loss in profits and keep the business running whilst you're looking for a replacement.</li>\n</ul>\n<p>Key Person cover can give your business the breathing space needed during a period of instability and uncertainty.<br />\n<br />\nTo find out more, please speak to your financial adviser.</p>","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Business Protection: Key Person Cover","type":""},"description":"Explore how businesses can survive if a key person in the business dies, or becomes seriously ill with the support of Key Person Cover.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"c89cff41-4ea6-45af-8481-de1e019c6177","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/218128812/fba0a11ca9  ","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript - Business Protection: Relevant Life cover","type":"h2"},"transcriptContent":"If you&rsquo;re considering death in service life insurance for your employees then Relevant Life cover could provide a smarter tax efficient and flexible solution for the business and your staff.&nbsp;<br />\n<br />\nRelevant Life cover is a type of life insurance that allows companies to offer death-in-service benefits to employees and directors the company pays a salary to. Its set up and paid for by the company and then placed in trust for the employees chosen beneficiaries.&nbsp;<br />\n<br />\nIf the employee dies during the policy term, the insurance pays out a tax free, lump sum amount of money via the trust to those chosen people.&nbsp;<br />\n<br />\nBenefits of Relevant Life cover include:<br />\n<br />\nPremiums are usually treated by HMRC as a tax deductible business expense. This means they can usually be offset against the company&rsquo;s corporation tax making it a tax efficient way to offer staff life insurance, and the premiums don&rsquo;t form part of the employees remuneration or benefits package. So they don&rsquo;t have to pay income tax from National Insurance contributions on the premiums.&nbsp;<br />\n<br />\nBecause the policy is placed in trust any money paid out shouldn&rsquo;t form part of the employee&rsquo;s estate for inheritance tax purposes. Also because the money is paid via a trust it can be paid very quickly, helping ensure your employees families and loved ones are looked after when they need it most.<br />\n<br />\nFor more information on this type if death-in-service life insurance for your employees, please speak to your financial adviser.","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;cy=0.5&amp;cw=1536&amp;ch=772&amp;hash=DF88497B1C70C2A62A78A95BFC15647F","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;cy=0.5&amp;cw=768&amp;ch=386&amp;hash=1BA958094C1312BFD904E89404FE237D","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;cy=0.5&amp;cw=1536&amp;ch=772&amp;hash=DF88497B1C70C2A62A78A95BFC15647F"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;cy=0.5&amp;cw=367&amp;ch=207&amp;hash=6E19506EBE1B69AFCFF053446D639309","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0.48&amp;cy=0.5&amp;cw=734&amp;ch=414&amp;hash=C40D05E283DC0F92F5445969A9FD7838"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Business Protection: Relevant Life cover","type":"h2"},"description":"A jargon-free introduction to how Relevant Life Cover works and looks to your clients and their staff.","isEditMode":false,"html":null}},{"name":"videoOneThird","reactName":"Athena.videoOneThird","id":"761ac74a-0dce-41dc-9c2a-8c0705cd35ba","type":"dynamic","props":{"Id":null,"videoAlignment":"one-third","mediaAlignment":"right","video":{"id":"https://vimeo.com/218129580/f9520a2f8e","type":"vimeo","transcriptLabel":"Open video transcript","transcriptHeading":{"label":"Transcript – Share and Partnership Protection","type":"h2"},"transcriptContent":"What would happen to your business if one of the owners suddenly died or suffered a serious illness?<br />\n<br />\nCould you afford to buy their share?<br />\n<br />\nIf not, the affected owners family might sell their shares to a competitor or someone else completely unsuitable.<br />\n<br />\nThis can be disastrous for the long term survival of the business you've worked hard to build.<br />\n<br />\nBusiness owners are usually the life-blood of the firm, with staff relying on their experience and knowledge.<br />\n<br />\nTheir sudden loss can heavily impact morale, leaving staff worried about the future of the business and their jobs.<br />\n<br />\nShareholder and Partnership Protection is a type of insurance that gives surviving business owners the money needed to buy the affected shares.<br />\n<br />\nIt can help ensure you keep control of the business and give staff confidence that their jobs are safe.<br />\n<br />\nThe money also ensures that the deceased owner's family are looked after and receive full market value in exchange for their inherited share of the business.<br />\n<br />\nYou probably already protect many of the important things that keep the business running smoothly, like property, fleets and stock.<br />\n<br />\nSo it makes sense to insure your most valuable assets, your business owners.<br />\n<br />\nFor help with setting up Share or Partnership Protection, please speak to your financial adviser.","poster":{"html":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A","editButton":null,"alt":"Placeholder","renditions":{"0":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=768&amp;ch=386&amp;hash=631FA0E7E3042BE826C81A2BCDF2D7A0","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=1536&amp;ch=772&amp;hash=64E6E37052CF6BC84B4C74B12D73012A"},"769":{"1x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=367&amp;ch=207&amp;hash=9A15EFA527E0AFEF382E30F8B325D6AB","2x":"/-/life/media/athena/images/placeholder/video-frame-placeholder-720x405-2.png?cx=0&amp;cy=0&amp;cw=734&amp;ch=414&amp;hash=E6198615EDA770914372FAC23237CE83"}},"dynamicrenditions":null},"posterVimeo":null},"titleHeading":{"label":"Business Protection: Share and Partnership Protection","type":""},"description":"Insuring a business&rsquo; most valuable asset &ndash; their owners &ndash; can keep business running as normal. Learn more about the importance of Share and Partnership Protection.","isEditMode":false,"html":null}}]}]}});</script>
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