

<!DOCTYPE html>
<html lang="en">

<head>
    <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=1">
    <meta http-equiv="content-type" content="text/html; charset=UTF-8" />
    <meta http-equiv="X-UA-Compatible" content="IE=edge" />

    <link rel="icon" href="/Athena_Icons/favicon.ico" />
    <!-- OneTrust Cookies Consent Notice start for lvadviser.com -->
<script type="text/javascript" src="https://cdn-ukwest.onetrust.com/consent/2e928774-799b-4c64-9cb0-9d5b40d51598/OtAutoBlock.js" ></script>
<script src="https://cdn-ukwest.onetrust.com/consent/2e928774-799b-4c64-9cb0-9d5b40d51598/otSDKStub.js"  type="text/javascript" charset="UTF-8" data-domain-script="2e928774-799b-4c64-9cb0-9d5b40d51598" ></script>
<script type="text/javascript">
function OptanonWrapper() { }
</script>                    <script type="text/javascript" async="" src="https://www.google-analytics.com/analytics.js"></script>

    <!-- OneTrust Cookies Consent Notice end for lvadviser.com -->


    <!--Livechat-->
    

    <!--Livechat-->
    <!--head-->
    <script>
// Define dataLayer and the gtag function.
window.dataLayer = window.dataLayer || [];
function gtag() { dataLayer.push(arguments); }
// Default ad_storage to 'denied'.
gtag('consent', 'default', {
'ad_storage': 'denied',
'ad_user_data': 'denied',
'ad_personalization': 'denied',
'analytics_storage': 'denied',
'wait_for_update': 500
}); 
</script>        <!-- Google Tag Manager -->
<!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.setAttributeNode(d.createAttribute('data-ot-ignore'));j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-PMP567W');</script>
<!-- End Google Tag Manager -->        <!-- End Google Tag Manager -->
    <script type="text/javascript" src=""></script>



    <title>Online security | LV= Adviser</title>
    <meta name="description" content="Safe browsing and digital interactions can help protect you, your data and your money from exposure and exploitation through scams, financial crime and fraud. " />
        <meta name="robots" content="nofollow" />
    <link rel="canonical" href="https://www.lvadviser.com/online-security" />
            <meta property="og:title" content="Online security | LV= Adviser" />
            <meta property="og:description" content="Safe browsing and digital interactions can help protect you, your data and your money from exposure and exploitation through scams, financial crime and fraud. " />
            <meta property="og:url" content="https://www.lvadviser.com/online-security" />


    <!--/head-->

    <script data-desc="Namespace object">
        var LVSiteConfigs = { components: { data: [] } };
    </script>

    
        <script type="text/javascript">
            !function(v,y,T){var S=v.location,k="script",D="instrumentationKey",C="ingestionendpoint",I="disableExceptionTracking",E="ai.device.",b="toLowerCase",w=(D[b](),"crossOrigin"),N="POST",e="appInsightsSDK",t=T.name||"appInsights",n=((T.name||v[e])&&(v[e]=t),v[t]||function(l){var u=!1,d=!1,g={initialize:!0,queue:[],sv:"6",version:2,config:l};function m(e,t){var n={},a="Browser";return n[E+"id"]=a[b](),n[E+"type"]=a,n["ai.operation.name"]=S&&S.pathname||"_unknown_",n["ai.internal.sdkVersion"]="javascript:snippet_"+(g.sv||g.version),{time:(a=new Date).getUTCFullYear()+"-"+i(1+a.getUTCMonth())+"-"+i(a.getUTCDate())+"T"+i(a.getUTCHours())+":"+i(a.getUTCMinutes())+":"+i(a.getUTCSeconds())+"."+(a.getUTCMilliseconds()/1e3).toFixed(3).slice(2,5)+"Z",iKey:e,name:"Microsoft.ApplicationInsights."+e.replace(/-/g,"")+"."+t,sampleRate:100,tags:n,data:{baseData:{ver:2}}};function i(e){e=""+e;return 1===e.length?"0"+e:e}}var e,n,f=l.url||T.src;function a(e){var t,n,a,i,o,s,r,c,p;u=!0,g.queue=[],d||(d=!0,i=f,r=(c=function(){var e,t={},n=l.connectionString;if(n)for(var a=n.split(";"),i=0;i<a.length;i++){var o=a[i].split("=");2===o.length&&(t[o[0][b]()]=o[1])}return t[C]||(t[C]="https://"+((e=(n=t.endpointsuffix)?t.location:null)?e+".":"")+"dc."+(n||"services.visualstudio.com")),t}()).instrumentationkey||l[D]||"",c=(c=c[C])?c+"/v2/track":l.endpointUrl,(p=[]).push((t="SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details)",n=i,o=c,(s=(a=m(r,"Exception")).data).baseType="ExceptionData",s.baseData.exceptions=[{typeName:"SDKLoadFailed",message:t.replace(/\./g,"-"),hasFullStack:!1,stack:t+"\nSnippet failed to load ["+n+"] -- Telemetry is disabled\nHelp Link: https://go.microsoft.com/fwlink/?linkid=2128109\nHost: "+(S&&S.pathname||"_unknown_")+"\nEndpoint: "+o,parsedStack:[]}],a)),p.push((s=i,t=c,(o=(n=m(r,"Message")).data).baseType="MessageData",(a=o.baseData).message='AI (Internal): 99 message:"'+("SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details) ("+s+")").replace(/\"/g,"")+'"',a.properties={endpoint:t},n)),i=p,r=c,JSON&&((o=v.fetch)&&!T.useXhr?o(r,{method:N,body:JSON.stringify(i),mode:"cors"}):XMLHttpRequest&&((s=new XMLHttpRequest).open(N,r),s.setRequestHeader("Content-type","application/json"),s.send(JSON.stringify(i)))))}function i(e,t){d||setTimeout(function(){!t&&g.core||a()},500)}f&&((n=y.createElement(k)).src=f,!(o=T[w])&&""!==o||"undefined"==n[w]||(n[w]=o),n.onload=i,n.onerror=a,n.onreadystatechange=function(e,t){"loaded"!==n.readyState&&"complete"!==n.readyState||i(0,t)},e=n,T.ld<0?y.getElementsByTagName("head")[0].appendChild(e):setTimeout(function(){y.getElementsByTagName(k)[0].parentNode.appendChild(e)},T.ld||0));try{g.cookie=y.cookie}catch(h){}function t(e){for(;e.length;)!function(t){g[t]=function(){var e=arguments;u||g.queue.push(function(){g[t].apply(g,e)})}}(e.pop())}var s,r,o="track",c="TrackPage",p="TrackEvent",o=(t([o+"Event",o+"PageView",o+"Exception",o+"Trace",o+"DependencyData",o+"Metric",o+"PageViewPerformance","start"+c,"stop"+c,"start"+p,"stop"+p,"addTelemetryInitializer","setAuthenticatedUserContext","clearAuthenticatedUserContext","flush"]),g.SeverityLevel={Verbose:0,Information:1,Warning:2,Error:3,Critical:4},(l.extensionConfig||{}).ApplicationInsightsAnalytics||{});return!0!==l[I]&&!0!==o[I]&&(t(["_"+(s="onerror")]),r=v[s],v[s]=function(e,t,n,a,i){var o=r&&r(e,t,n,a,i);return!0!==o&&g["_"+s]({message:e,url:t,lineNumber:n,columnNumber:a,error:i,evt:v.event}),o},l.autoExceptionInstrumented=!0),g}(T.cfg));function a(){T.onInit&&T.onInit(n)}(v[t]=n).queue&&0===n.queue.length?(n.queue.push(a),n.trackPageView({})):a()}(window,document,{
			src: "https://js.monitor.azure.com/scripts/b/ai.2.min.js",
			crossOrigin: "anonymous",
			onInit: function(sdk) {
				sdk.addTelemetryInitializer(function(envelope) {
					envelope.tags["ai.cloud.role"] = "Prod-Athena";
				});
			},
			cfg: {
				connectionString: "InstrumentationKey=7a87f821-f33e-421a-81bd-a4f453010860;IngestionEndpoint=https://uksouth-0.in.applicationinsights.azure.com/;LiveEndpoint=https://uksouth.livediagnostics.monitor.azure.com/"
			}});
        </script>

    <!-- Includes Common Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/common.css?v=1.1.972.0' />

    <!-- Includes Template Specific Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/standardpage.css?v=1.1.972.0' />

</head>
<body class="">

    <div id="page">
        <!--script-top-->
            <!-- Google Tag Manager (noscript) -->
    <noscript>
        <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PMP567W"
                height="0" width="0" style="display: none; visibility: hidden"></iframe>
    </noscript>
    <!-- End Google Tag Manager (noscript) -->

        <!--/script-top-->
        <!--utility navigation-->
            <div class="react-component utilitynavigation" data-name="utilityNavigation" data-id="84be0a76-33dc-4bbf-bca1-a5fca1644fde">
        <div id="84be0a76-33dc-4bbf-bca1-a5fca1644fde"><div class="utility-navigation"><div class="link-container"><div class="link"><a href="https://www.lv.com/life" target="_self" class=" textlink" title="LV= Personal">LV= Personal</a></div><div class="link"><a href="/" target="_self" class=" active textlink" title="LV= Adviser">LV= Adviser</a></div></div></div></div>
    </div>

        <!--/utility navigation-->
        <!--Launchers-->
            <div class="react-component launchers" data-name="launchers" data-id="c9815ac2-5645-4e47-95cd-0bf1350492e4">
        <div id="c9815ac2-5645-4e47-95cd-0bf1350492e4"><div class="sticky-launchers-container lvp "><div class="inner-container"><div class="page-name"><h2 class="title "></h2></div><div class="dd-container"><div tabindex="0" role="menuitem" class="dd-holder closed static "><span class="dd-title closed ">Quote &amp; Apply</span><span class="line"></span></div></div><div class="dd-container"><div tabindex="0" role="menuitem" class="dd-holder closed static "><span class="dd-title closed ">Servicing</span><span class="line"></span></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"launchers","reactName":"Athena.launchers","id":"c9815ac2-5645-4e47-95cd-0bf1350492e4","type":"dynamic","props":{"title":{"label":"Online Services","type":""},"pageTitle":{"label":"","type":""},"userSessionApi":"/service/authentication/adviser/UserB2CSession","dropdowns":[{"label":"","enable":false,"options":[{"label":null,"description":null,"modallayer":false,"url":null,"isNewWindow":false,"popupItems":[],"popupDescription":null}]},{"label":"Quote &amp; Apply","enable":true,"options":[{"label":"FPP Fastway PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Fastway","isNewWindow":true,"permissions":["PROTECT_APPS"]}],"popupDescription":""},{"label":"Retirement view PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Savings and Retirement","isNewWindow":true,"permissions":["RS_APPS"]}],"popupDescription":""},{"label":"Equity Release","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://erportal.lvadviser.com/Intermediary","label":"Equity Release Portal","isNewWindow":true,"permissions":["INVEST_APPS","PROTECT_APPS","RS_APPS","SOL_APPS"]}],"popupDescription":""}]},{"label":"Servicing","enable":true,"options":[{"label":"Pension Servicing PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/","label":"Pension Servicing","isNewWindow":true,"permissions":["INVEST_APPS","RS_APPS"]}],"popupDescription":""},{"label":"ISA and Bond valuation tool PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/","label":"ISA/Bond Valuations","isNewWindow":true,"permissions":["INVEST_APPS"]}],"popupDescription":""},{"label":"Protection Progress Hub PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"/service/launchers/adviser/executelauncher?launcher=protection-progress-hub","label":"Protection Progress Hub","isNewWindow":true,"permissions":["PROTECT_APPS"]}],"popupDescription":""},{"label":"Equity Release","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://erportal.lvadviser.com/Intermediary","label":"Equity Release Portal","isNewWindow":true,"permissions":["INVEST_APPS","PROTECT_APPS","RS_APPS","SOL_APPS"]}],"popupDescription":""},{"label":"Daily Fund Prices PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://www.lvadviser.com/online-services/funds-centre","label":"Daily Fund prices","isNewWindow":false,"permissions":[]}],"popupDescription":""}]}]}});</script>
    </div>

        <!--/Launchers-->
        <!--header-->
            <div class="react-component header" data-name="header" data-id="8d9eddb1-37e1-4229-9a1e-e278526c0362">
        <div id="8d9eddb1-37e1-4229-9a1e-e278526c0362"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png"/><div class="header-wrapper"><a href="#skipnav" aria-hidden="false" class="sr-only enable-focus">SkipNav</a><div class="header-top"><div class="logo-holder"><a href="https://www.lvadviser.com" target="_self" class="logo"><img src="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png" alt="LV= Adviser Centre for Intermediaries"/></a></div><div class="top-nav"><ul><li class="contact"><a href="/contact-us" target="_self" class="icon-contact" title="Contact us"><span>Contact us</span></a></li><li class="search"><a href="/search" target="_self" class="icon-search" title="Search"><span>Search</span></a></li></ul><ul class="login-links"><li class="login"><a href="https://www.lvadviser.com/applications#login" target="_self" class="icon-login" title="Login" role="menuitem"><span>Login</span></a></li><li class="register"><a href="https://secwsgw.lv.com/adviser/registration" target="_self" class="icon-register" title="Register" role="menuitem"><span>Register</span></a></li></ul></div></div><div class="search-holder"><div class="search-elements" role="dialog" aria-modal="true"><div class="search-contents"><div class="search-header"><h2 class="title h2-regular">Search</h2><button aria-label="Close" class="icon-close-light" title="Close"></button></div><div class="search-body"><div class="input-field"></div><button class="cta-small secondary">Go</button></div><div class="error-message"><span></span></div></div></div><div class="overlay"></div></div><div class="nav-container"><div class="main-nav"><ul class="level0"><li class="has-sub"><a href="/smoothed-investments" target="_self" class="" title="Platform and Investments" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Platform and Investments</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Smoothed Managed Funds</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments" target="_self" class="" title="Smoothed Managed Funds" role="menuitem"><span>Smoothed Managed Funds</span></a></li><li><a href="/smoothed-investments/smoothing" target="_self" class="" title="Smoothing explained" role="menuitem"><span>Smoothing explained</span></a></li><li><a href="/smoothed-investments/fund-management" target="_self" class="" title="Fund management" role="menuitem"><span>Fund management</span></a></li><li><a href="/smoothed-investments/fund-management/risk-ratings" target="_self" class="" title="Risk ratings" role="menuitem"><span>Risk ratings</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li><li><a href="/smoothed-investments/with-profits" target="_self" class="" title="With-Profits" role="menuitem"><span>With-Profits</span></a></li><li><a href="/smoothed-investments/adviser-investment-centre" target="_self" class="" title="Adviser Investment Centre" role="menuitem"><span>Adviser Investment Centre</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= Platform Services</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/platform-services" target="_self" class="" title="LV= Platform Services" role="menuitem"><span>LV= Platform Services</span><span class="updated">Updated</span></a></li><li><a href="/platform-services/isa-portfolio" target="_self" class="" title="ISA Portfolio" role="menuitem"><span>ISA Portfolio</span></a></li><li><a href="/platform-services/junior-isa-portfolio" target="_self" class="" title="Junior ISA Portfolio" role="menuitem"><span>Junior ISA Portfolio</span><span class="new">New</span></a></li><li><a href="/platform-services/pension-portfolio" target="_self" class="" title="Pension Portfolio" role="menuitem"><span>Pension Portfolio</span></a></li><li><a href="/platform-services/general-investment-account" target="_self" class="" title="General Investment Account" role="menuitem"><span>General Investment Account</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher" target="_blank" class="" title="Quote and apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= ISA</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/isa" target="_self" class="" title="LV= ISA" role="menuitem"><span>LV= ISA</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote and apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Smoothed Bond (Onshore)</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/smoothed-bond" target="_self" class="" title="Smoothed Bond (Onshore)" role="menuitem"><span>Smoothed Bond (Onshore)</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/ " target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Smoothed Pension</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/smoothed-pension" target="_self" class="" title="Smoothed Pension" role="menuitem"><span>Smoothed Pension</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= TIP</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/tip" target="_self" class="" title="LV= TIP" role="menuitem"><span>LV= TIP</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool" target="_blank" class="" title="TIP valuation" role="menuitem"><span>LV= TIP valuation</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/pensions" target="_self" class="" title="Retirement" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Retirement</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Pensions</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/pensions" target="_self" class="" title="Our pension offering" role="menuitem"><span>Our pension offering</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li><li><a href="/pensions/core-options" target="_self" class="" title="Personal pension (core)" role="menuitem"><span>Core options (LV= SIPP)</span></a></li><li><a href="/pensions/partner-and-extended-options" target="_self" class="" title="SIPP (selected and extended)" role="menuitem"><span>Selected Partner and Extended options (LV= SIPP)</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Guaranteed Income Solutions</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/guaranteed-income-solutions/fixed-term-annuity" target="_self" class="" title="LV= Fixed Term Annuity" role="menuitem"><span>LV= Fixed Term Annuity</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment" target="_self" class="" title="LV= Fixed Term Investment" role="menuitem"><span>LV= Fixed Term Investment</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown" target="_self" class="" title="Guaranteed Income Drawdown" role="menuitem"><span>Guaranteed Income Drawdown</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/personal-protection" target="_self" class="" title="Protection" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Personal Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/personal-protection" target="_self" class="" title="Personal Protection" role="menuitem"><span>Personal Protection</span></a></li><li><a href="/personal-protection/income-protection" target="_self" class="" title="Income Protection" role="menuitem"><span>Income Protection</span></a></li><li><a href="/personal-protection/life-and-critical-illness" target="_self" class="" title="Life and Critical Illness" role="menuitem"><span>Life and Critical Illness</span></a></li><li><a href="/personal-protection/life-protection" target="_self" class="" title="Life Protection" role="menuitem"><span>Life Protection</span></a></li><li><a href="/personal-protection/personal-sick-pay" target="_self" class="" title="Personal Sick Pay" role="menuitem"><span>Personal Sick Pay</span></a></li><li><a href="/personal-protection/family-income-benefit" target="_self" class="" title="Family Income Benefit" role="menuitem"><span>Family Income Benefit</span></a></li><li><a href="/personal-protection/gift-inter-vivos" target="_self" class="" title="Gift Inter Vivos" role="menuitem"><span>Gift Inter Vivos</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/personal-protection/flexible-protection-plan" target="_self" class="" title="Flexible Protection Plan" role="menuitem"><span>Flexible Protection Plan</span></a></li><li><a href="/personal-protection/income-protection-solutions" target="_self" class="" title="Income Protection Solutions" role="menuitem"><span>Income Protection Solutions</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub" target="_blank" class="" title="Protection Progress Hub" role="menuitem"><span>Protection Progress Hub</span></a></li><li><a href="/online-services/fastway/pre-uw-tool" target="_self" class="" title="Pre-underwriting tool" role="menuitem"><span>Pre-underwriting tool</span></a></li><li><a href="/online-services/personal-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/personal-protection/why-income-protection" target="_self" class="" title="Why Income Protection" role="menuitem"><span>Why Income Protection</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Business Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/business-protection" target="_self" class="" title="Business Protection" role="menuitem"><span>Business Protection</span></a></li><li><a href="/business-protection/relevant-life-cover" target="_self" class="" title="Relevant Life Cover" role="menuitem"><span>Relevant Life Cover</span></a></li><li><a href="/business-protection/key-person-cover" target="_self" class="" title="Key Person Cover" role="menuitem"><span>Key Person Cover</span></a></li><li><a href="/business-protection/share-and-partnership-protection" target="_self" class="" title="Share &amp; Partnership Protection" role="menuitem"><span>Share &amp; Partnership Protection</span></a></li><li><a href="/business-protection/executive-income-protection" target="_self" class="" title="Executive Income Protection" role="menuitem"><span>Executive Income Protection</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/online-services/business-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/business-protection/trusts" target="_self" class="" title="Business Protection &amp; Trusts" role="menuitem"><span>Business Protection &amp; Trusts</span></a></li><li><a href="/business-protection/tax-treatment" target="_self" class="" title="Tax treatment" role="menuitem"><span>Tax treatment</span></a></li><li><a href="/business-protection/business-protection-guide" target="_self" class="" title="Guide to Business Protection" role="menuitem"><span>Guide to Business Protection</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Equity Release</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Products</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum" target="_self" class="" title="Lifetime Mortgage Lump Sum Plus" role="menuitem"><span>Lifetime Mortgage Lump Sum Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown" target="_self" class="" title="Lifetime Mortgage Drawdown Plus" role="menuitem"><span>Lifetime Mortgage Drawdown Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum-lifestyle" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown-lifestyle" target="_self" class="" title="Lifetime Mortgage Drawdown Lifestyle" role="menuitem"><span>Lifetime Mortgage Drawdown Lifestyle</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/contact-us/equity-release" target="_self" class="" title="Contact us" role="menuitem"><span>Contact us</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Resources</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Resources</h3><ul class="children"><li><a href="/online-services/equity-release-portal" target="_self" class="" title="Equity Release Portal" role="menuitem"><span>Equity Release Portal</span></a></li><li><a href="/online-services/equity-release-portal/faqs" target="_self" class="" title="Equity Release Portal FAQs" role="menuitem"><span>Equity Release Portal FAQs</span></a></li><li><a href="/equity-release/adviser-marketing-hub" target="_self" class="" title="Adviser Marketing Hub" role="menuitem"><span>Adviser Marketing Hub</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class="" title="Equity Release videos and webinars" role="menuitem"><span>Equity Release videos and webinars</span></a></li><li><a href="/equity-release/early-repayment-calculator" target="_self" class="" title="Lifetime Mortgage Early Repayment Calculator" role="menuitem"><span>Lifetime Mortgage Early Repayment Calculator</span></a></li><li><a href="/equity-release/lifetime-mortgages-updates" target="_self" class="" title="Lifetime mortgages updates" role="menuitem"><span>Lifetime mortgages updates</span></a></li><li><a href="/equity-release/equity-release-council" target="_self" class="" title="Equity Release Council" role="menuitem"><span>Equity Release Council</span></a></li></ul></li><li><h3 class="section-heading">Supporting your client</h3><ul class="children"><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/supporting-you" target="_self" class="" title="Support" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Support</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Knowledge centre</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/knowledge-centre" target="_self" class="" title="Knowledge centre" role="menuitem"><span>Knowledge centre</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library" target="_self" class="" title="Video and webinar library" role="menuitem"><span>Video and webinar library</span></a></li><li><a href="/knowledge-centre/protection-webinar-calendar" target="_self" class="" title="Protection webinar calendar" role="menuitem"><span>Protection webinar calendar</span></a></li><li><a href="/knowledge-centre/news-hub" target="_self" class="" title="News hub" role="menuitem"><span>News hub</span></a></li><li><a href="/knowledge-centre/article-library" target="_self" class="" title="Article library" role="menuitem"><span>Article library</span></a></li><li><a href="/knowledge-centre/fuel-for-life" target="_self" class="" title="Fuel for Life" role="menuitem"><span>Fuel for Life</span></a></li><li><a href="/knowledge-centre/reaching-resilience" target="_self" class="" title="Reaching Resilience" role="menuitem"><span>Reaching Resilience</span></a></li><li><a href="/knowledge-centre/technical-hub" target="_self" class="" title="Technical Hub" role="menuitem"><span>Technical Hub</span></a></li><li><a href="/pensions/tax-year-end" target="_self" class="" title="Tax year end" role="menuitem"><span>Tax year end</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Claims</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/claims" target="_self" class="" title="Claims" role="menuitem"><span>Claims</span></a></li><li><a href="/supporting-you/claims/our-claims-approach" target="_self" class="" title="Our approach to claims" role="menuitem"><span>Our approach to claims</span></a></li><li><a href="/supporting-you/claims/real-stories" target="_self" class="" title="Real stories" role="menuitem"><span>Real stories</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection underwriting</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/protection-underwriting" target="_self" class="" title="Protection underwriting" role="menuitem"><span>Protection underwriting</span></a></li><li><a href="/supporting-you/protection-underwriting/misrepresentation" target="_self" class="" title="Underwriting misrepresentation" role="menuitem"><span>Underwriting misrepresentation</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Trusts</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/trusts" target="_self" class="" title="Trusts" role="menuitem"><span>Trusts</span></a></li><li><a href="/supporting-you/trusts/types-of-trust" target="_self" class="" title="Types of trusts" role="menuitem"><span>Types of trusts</span></a></li><li><a href="/supporting-you/trusts/trs" target="_self" class="" title="Trust Registration Service - FAQs" role="menuitem"><span>Trust Registration Service - FAQs</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/protection-large-case-team" target="_self" class=" " title="Protection large case team" role="menuitem"><span>Protection large case team</span></a></li><li class=""><a href="/supporting-you/vulnerable-customers" target="_self" class=" " title="Vulnerable customers" role="menuitem"><span>Vulnerable customers</span></a></li><li class=""><a href="/supporting-you/suitability-letter-builder" target="_self" class=" " title="Suitability letter builder" role="menuitem"><span>Suitability letter builder</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Portals and integration</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/adviser-portal" target="_self" class="" title="Savings and Retirement Adviser Portal" role="menuitem"><span>Savings and Retirement Adviser Portal</span></a></li><li><a href="/online-services" target="_self" class="" title="Online services" role="menuitem"><span>Online services</span></a></li><li><a href="/online-services/portals" target="_self" class="" title="Third party portals" role="menuitem"><span>Third party portals</span></a></li><li><a href="/online-services/integration" target="_self" class="" title="Back office integration" role="menuitem"><span>Back office integration</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/setting-up-an-agency" target="_self" class=" " title="Setting up an Agency" role="menuitem"><span>Setting up an Agency</span></a></li><li class=""><a href="/supporting-you/lv-news" target="_self" class=" " title="Our future plans" role="menuitem"><span>LV= news</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Consumer Duty</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/consumer-duty-hub" target="_self" class="" title="Consumer Duty" role="menuitem"><span>Consumer Duty</span></a></li><li><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class="" title="Protection" role="menuitem"><span>Protection</span></a></li><li><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class="" title="Savings and Retirement" role="menuitem"><span>Savings and Retirement</span></a></li><li><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/why-lv" target="_self" class="has-sub " title="Why LV=" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Why LV=</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/why-lv" target="_self" class="" title="Why LV=" role="menuitem"><span>Why LV=</span></a></li><li><a href="/supporting-your-client/why-lv/mutual-bonus" target="_self" class="" title="Mutual bonus" role="menuitem"><span>Mutual bonus</span></a></li><li><a href="/supporting-your-client/why-lv/lv-difference" target="_self" class="" title="Exit bonus" role="menuitem"><span>One-off bonus</span></a></li><li><a href="/supporting-your-client/why-lv/our-awards" target="_self" class="" title="Our awards" role="menuitem"><span>Our awards</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/member-benefits" target="_self" class="has-sub " title="Member benefits" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Member benefits</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/member-benefits" target="_self" class="" title="Member benefits" role="menuitem"><span>Member benefits</span></a></li><li><a href="/supporting-your-client/member-benefits/legal-advice" target="_self" class="" title="Legal Advice Line" role="menuitem"><span>Legal Advice Line</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li></ul></li></ul></div></li></ul></div></li><li class="doc-library"><a href="/document-library" target="_self" class="" title="Document Library" role="menuitem"><span>Document Library</span><span class="icon-arrow"></span></a></li></ul></div></div><span id="skipnav" class="sr-only"></span></div></div>
<script>LVSiteConfigs.components.data.push({"name":"header","reactName":"Athena.header","id":"8d9eddb1-37e1-4229-9a1e-e278526c0362","type":"dynamic","props":{"logo":{"src":"/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png","alt":"LV= Adviser Centre for Intermediaries","url":"https://www.lvadviser.com","target":"_self","html":null,"isEditMode":false},"partnerLogo":{"image":null},"backToLabel":"Back To","backToMainLabel":"Back To Main","skipNavLabel":"SkipNav","newLabel":"New","updatedLabel":"Updated","searchInput":{"label":"Search","type":"h2","defaultText":"Enter search term","ariaLabel":"","error":{"empty":"Please enter search term"}},"closeText":"Close","topNav":[{"type":"contact","link":{"Id":null,"Rel":null,"url":"/contact-us","label":"Contact us","html":"<a href=\"/contact-us\">Contact us</a>","target":"_self"}},{"type":"search","link":{"Id":null,"Rel":null,"url":"/search","label":"Search","html":"<a href=\"/search\">Search</a>","target":"_self"}}],"guestState":[{"link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/applications#login","label":"Login","html":"<a href=\"https://www.lvadviser.com/applications#login\">Login</a>","target":"_self"},"type":"login"},{"link":{"Id":null,"Rel":null,"url":"https://secwsgw.lv.com/adviser/registration","label":"Register","html":"<a href=\"https://secwsgw.lv.com/adviser/registration\">Register</a>","target":"_self"},"type":"register"}],"loggedInState":[{"link":{"Id":null,"Rel":null,"url":"/service/authentication/adviser/logout","label":"Logout","html":"<a href=\"/service/authentication/adviser/logout\">Logout</a>","target":"_self"},"type":"logout"},{"link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/myDetails","label":"User details","html":"<a href=\"https://portal.lvadviser.com/myDetails\" target=\"_blank\">User details</a>","target":"_blank"},"type":"profile"}],"mainNav":[{"label":"Platform and Investments","link":{"Id":null,"Rel":null,"url":"/smoothed-investments","label":"Platform and Investments","html":"<a href=\"/smoothed-investments\">Platform and Investments</a>","target":"_self"},"subNav":[{"label":"Smoothed Managed Funds","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Managed Funds","link":{"Id":null,"Rel":null,"url":"/smoothed-investments","label":"Smoothed Managed Funds","html":"<a href=\"/smoothed-investments\">Smoothed Managed Funds</a>","target":"_self"},"heading":false,"status":""},{"label":"Smoothing explained","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothing","label":"Smoothing explained","html":"<a href=\"/smoothed-investments/smoothing\">Smoothing explained</a>","target":"_self"},"heading":false,"status":""},{"label":"Fund management","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/fund-management","label":"Fund management","html":"<a href=\"/smoothed-investments/fund-management\">Fund management</a>","target":"_self"},"heading":false,"status":""},{"label":"Risk ratings","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/fund-management/risk-ratings","label":"Risk ratings","html":"<a href=\"/smoothed-investments/fund-management/risk-ratings\">Risk ratings</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""},{"label":"With-Profits","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/with-profits","label":"With-Profits","html":"<a href=\"/smoothed-investments/with-profits\">With-Profits</a>","target":"_self"},"heading":false,"status":""},{"label":"Adviser Investment Centre","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/adviser-investment-centre","label":"Adviser Investment Centre","html":"<a href=\"/smoothed-investments/adviser-investment-centre\">Adviser Investment Centre</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"LV= Platform Services","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= Platform Services","link":{"Id":null,"Rel":null,"url":"/platform-services","label":"LV= Platform Services","html":"<a href=\"/platform-services\">LV= Platform Services</a>","target":"_self"},"heading":false,"status":"Updated"},{"label":"ISA Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/isa-portfolio","label":"ISA Portfolio","html":"<a href=\"/platform-services/isa-portfolio\">ISA Portfolio</a>","target":"_self"},"heading":false,"status":""},{"label":"Junior ISA Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/junior-isa-portfolio","label":"Junior ISA Portfolio","html":"<a href=\"/platform-services/junior-isa-portfolio\">Junior ISA Portfolio</a>","target":"_self"},"heading":false,"status":"New"},{"label":"Pension Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/pension-portfolio","label":"Pension Portfolio","html":"<a href=\"/platform-services/pension-portfolio\">Pension Portfolio</a>","target":"_self"},"heading":false,"status":""},{"label":"General Investment Account","link":{"Id":null,"Rel":null,"url":"/platform-services/general-investment-account","label":"General Investment Account","html":"<a href=\"/platform-services/general-investment-account\">General Investment Account</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher","label":"Quote and apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher\" target=\"_blank\">Quote and apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher","label":"Servicing","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"LV= ISA","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= ISA","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/isa","label":"LV= ISA","html":"<a href=\"/smoothed-investments/isa\">LV= ISA</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote and apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote and apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"Smoothed Bond (Onshore)","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Bond (Onshore)","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothed-bond","label":"Smoothed Bond (Onshore)","html":"<a href=\"/smoothed-investments/smoothed-bond\">Smoothed Bond (Onshore)</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/ ","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/ \" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"Smoothed Pension","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Pension","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothed-pension","label":"Smoothed Pension","html":"<a href=\"/smoothed-investments/smoothed-pension\">Smoothed Pension</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"LV= TIP","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= TIP","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/tip","label":"LV= TIP","html":"<a href=\"/smoothed-investments/tip\">LV= TIP</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"LV= TIP valuation","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool","label":"TIP valuation","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool\" target=\"_blank\">TIP valuation</a>","target":"_blank"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Retirement","link":{"Id":null,"Rel":null,"url":"/pensions","label":"Retirement","html":"<a href=\"/pensions\">Retirement</a>","target":"_self"},"subNav":[{"label":"Pensions","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Our pension offering","link":{"Id":null,"Rel":null,"url":"/pensions","label":"Our pension offering","html":"<a href=\"/pensions\">Our pension offering</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""},{"label":"Core options (LV= SIPP)","link":{"Id":null,"Rel":null,"url":"/pensions/core-options","label":"Personal pension (core)","html":"<a href=\"/pensions/core-options\">Personal pension (core)</a>","target":"_self"},"heading":false,"status":""},{"label":"Selected Partner and Extended options (LV= SIPP)","link":{"Id":null,"Rel":null,"url":"/pensions/partner-and-extended-options","label":"SIPP (selected and extended)","html":"<a href=\"/pensions/partner-and-extended-options\">SIPP (selected and extended)</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Guaranteed Income Solutions","link":null,"subNav":[{"label":"Products","navItems":[{"label":"LV= Fixed Term Annuity","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-annuity","label":"LV= Fixed Term Annuity","html":"<a href=\"/guaranteed-income-solutions/fixed-term-annuity\">LV= Fixed Term Annuity</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Fixed Term Investment","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-investment","label":"LV= Fixed Term Investment","html":"<a href=\"/guaranteed-income-solutions/fixed-term-investment\">LV= Fixed Term Investment</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Guaranteed Income Drawdown","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown","label":"Guaranteed Income Drawdown","html":"<a href=\"/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown\">Guaranteed Income Drawdown</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection","label":"Protection","html":"<a href=\"/personal-protection\">Protection</a>","target":"_self"},"subNav":[{"label":"Personal Protection","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Personal Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection","label":"Personal Protection","html":"<a href=\"/personal-protection\">Personal Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Income Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/income-protection","label":"Income Protection","html":"<a href=\"/personal-protection/income-protection\">Income Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Life and Critical Illness","link":{"Id":null,"Rel":null,"url":"/personal-protection/life-and-critical-illness","label":"Life and Critical Illness","html":"<a href=\"/personal-protection/life-and-critical-illness\">Life and Critical Illness</a>","target":"_self"},"heading":false,"status":""},{"label":"Life Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/life-protection","label":"Life Protection","html":"<a href=\"/personal-protection/life-protection\">Life Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Personal Sick Pay","link":{"Id":null,"Rel":null,"url":"/personal-protection/personal-sick-pay","label":"Personal Sick Pay","html":"<a href=\"/personal-protection/personal-sick-pay\">Personal Sick Pay</a>","target":"_self"},"heading":false,"status":""},{"label":"Family Income Benefit","link":{"Id":null,"Rel":null,"url":"/personal-protection/family-income-benefit","label":"Family Income Benefit","html":"<a href=\"/personal-protection/family-income-benefit\">Family Income Benefit</a>","target":"_self"},"heading":false,"status":""},{"label":"Gift Inter Vivos","link":{"Id":null,"Rel":null,"url":"/personal-protection/gift-inter-vivos","label":"Gift Inter Vivos","html":"<a href=\"/personal-protection/gift-inter-vivos\">Gift Inter Vivos</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Flexible Protection Plan","link":{"Id":null,"Rel":null,"url":"/personal-protection/flexible-protection-plan","label":"Flexible Protection Plan","html":"<a href=\"/personal-protection/flexible-protection-plan\">Flexible Protection Plan</a>","target":"_self"},"heading":false,"status":""},{"label":"Income Protection Solutions","link":{"Id":null,"Rel":null,"url":"/personal-protection/income-protection-solutions","label":"Income Protection Solutions","html":"<a href=\"/personal-protection/income-protection-solutions\">Income Protection Solutions</a>","target":"_self"},"heading":false,"status":""},{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Quote & apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Protection Progress Hub","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub","label":"Protection Progress Hub","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub\" target=\"_blank\">Protection Progress Hub</a>","target":"_blank"},"heading":false,"status":""},{"label":"Pre-underwriting tool","link":{"Id":null,"Rel":null,"url":"/online-services/fastway/pre-uw-tool","label":"Pre-underwriting tool","html":"<a href=\"/online-services/fastway/pre-uw-tool\">Pre-underwriting tool</a>","target":"_self"},"heading":false,"status":""},{"label":"Tools &amp; calculators","link":{"Id":null,"Rel":null,"url":"/online-services/personal-protection-tools-and-calculators","label":"Tools & calculators","html":"<a href=\"/online-services/personal-protection-tools-and-calculators\">Tools & calculators</a>","target":"_self"},"heading":false,"status":""},{"label":"Why Income Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/why-income-protection","label":"Why Income Protection","html":"<a href=\"/personal-protection/why-income-protection\">Why Income Protection</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Business Protection","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Business Protection","link":{"Id":null,"Rel":null,"url":"/business-protection","label":"Business Protection","html":"<a href=\"/business-protection\">Business Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Relevant Life Cover","link":{"Id":null,"Rel":null,"url":"/business-protection/relevant-life-cover","label":"Relevant Life Cover","html":"<a href=\"/business-protection/relevant-life-cover\">Relevant Life Cover</a>","target":"_self"},"heading":false,"status":""},{"label":"Key Person Cover","link":{"Id":null,"Rel":null,"url":"/business-protection/key-person-cover","label":"Key Person Cover","html":"<a href=\"/business-protection/key-person-cover\">Key Person Cover</a>","target":"_self"},"heading":false,"status":""},{"label":"Share &amp; Partnership Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/share-and-partnership-protection","label":"Share & Partnership Protection","html":"<a href=\"/business-protection/share-and-partnership-protection\">Share & Partnership Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Executive Income Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/executive-income-protection","label":"Executive Income Protection","html":"<a href=\"/business-protection/executive-income-protection\">Executive Income Protection</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Quote & apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Tools &amp; calculators","link":{"Id":null,"Rel":null,"url":"/online-services/business-protection-tools-and-calculators","label":"Tools & calculators","html":"<a href=\"/online-services/business-protection-tools-and-calculators\">Tools & calculators</a>","target":"_self"},"heading":false,"status":""},{"label":"Business Protection &amp; Trusts","link":{"Id":null,"Rel":null,"url":"/business-protection/trusts","label":"Business Protection & Trusts","html":"<a href=\"/business-protection/trusts\">Business Protection & Trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Tax treatment","link":{"Id":null,"Rel":null,"url":"/business-protection/tax-treatment","label":"Tax treatment","html":"<a href=\"/business-protection/tax-treatment\">Tax treatment</a>","target":"_self"},"heading":false,"status":""},{"label":"Guide to Business Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/business-protection-guide","label":"Guide to Business Protection","html":"<a href=\"/business-protection/business-protection-guide\">Guide to Business Protection</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":"<a href=\"/equity-release\">Equity Release</a>","target":"_self"},"subNav":[{"label":"Products","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":"<a href=\"/equity-release\">Equity Release</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Lump Sum Plus","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum","label":"Lifetime Mortgage Lump Sum Plus","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum\">Lifetime Mortgage Lump Sum Plus</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Drawdown Plus","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-drawdown","label":"Lifetime Mortgage Drawdown Plus","html":"<a href=\"/equity-release/lifetime-mortgage-drawdown\">Lifetime Mortgage Drawdown Plus</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Lump Sum Lifestyle","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum-lifestyle","label":"Lifetime Mortgage Lump Sum Lifestyle","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum-lifestyle\">Lifetime Mortgage Lump Sum Lifestyle</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Drawdown Lifestyle","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-drawdown-lifestyle","label":"Lifetime Mortgage Drawdown Lifestyle","html":"<a href=\"/equity-release/lifetime-mortgage-drawdown-lifestyle\">Lifetime Mortgage Drawdown Lifestyle</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Contact us","link":{"Id":null,"Rel":null,"url":"/contact-us/equity-release","label":"Contact us","html":"<a href=\"/contact-us/equity-release\">Contact us</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Resources","link":null,"subNav":[{"label":"Resources","navItems":[{"label":"Equity Release Portal","link":{"Id":null,"Rel":null,"url":"/online-services/equity-release-portal","label":"Equity Release Portal","html":"<a href=\"/online-services/equity-release-portal\">Equity Release Portal</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release Portal FAQs","link":{"Id":null,"Rel":null,"url":"/online-services/equity-release-portal/faqs","label":"Equity Release Portal FAQs","html":"<a href=\"/online-services/equity-release-portal/faqs\">Equity Release Portal FAQs</a>","target":"_self"},"heading":false,"status":""},{"label":"Adviser Marketing Hub","link":{"Id":null,"Rel":null,"url":"/equity-release/adviser-marketing-hub","label":"Adviser Marketing Hub","html":"<a href=\"/equity-release/adviser-marketing-hub\">Adviser Marketing Hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release videos and webinars","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/video-and-webinar-library/equity-release","label":"Equity Release videos and webinars","html":"<a href=\"/knowledge-centre/video-and-webinar-library/equity-release\">Equity Release videos and webinars</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Early Repayment Calculator","link":{"Id":null,"Rel":null,"url":"/equity-release/early-repayment-calculator","label":"Lifetime Mortgage Early Repayment Calculator","html":"<a href=\"/equity-release/early-repayment-calculator\">Lifetime Mortgage Early Repayment Calculator</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime mortgages updates","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgages-updates","label":"Lifetime mortgages updates","html":"<a href=\"/equity-release/lifetime-mortgages-updates\">Lifetime mortgages updates</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release Council","link":{"Id":null,"Rel":null,"url":"/equity-release/equity-release-council","label":"Equity Release Council","html":"<a href=\"/equity-release/equity-release-council\">Equity Release Council</a>","target":"_self"},"heading":false,"status":""}]},{"label":"Supporting your client","navItems":[{"label":"Care navigator","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/care-navigator","label":"Care navigator","html":"<a href=\"/supporting-your-client/care-navigator\">Care navigator</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Doctor Services","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/doctors-services","label":"LV= Doctor Services","html":"<a href=\"/supporting-your-client/doctors-services\">LV= Doctor Services</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Support","link":{"Id":null,"Rel":null,"url":"/supporting-you","label":"Support","html":"<a href=\"/supporting-you\">Support</a>","target":"_self"},"subNav":[{"label":"Knowledge centre","link":null,"subNav":[{"label":"More","navItems":[{"label":"Knowledge centre","link":{"Id":null,"Rel":null,"url":"/knowledge-centre","label":"Knowledge centre","html":"<a href=\"/knowledge-centre\">Knowledge centre</a>","target":"_self"},"heading":false,"status":""},{"label":"Video and webinar library","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/video-and-webinar-library","label":"Video and webinar library","html":"<a href=\"/knowledge-centre/video-and-webinar-library\">Video and webinar library</a>","target":"_self"},"heading":false,"status":""},{"label":"Protection webinar calendar","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/protection-webinar-calendar","label":"Protection webinar calendar","html":"<a href=\"/knowledge-centre/protection-webinar-calendar\">Protection webinar calendar</a>","target":"_self"},"heading":false,"status":""},{"label":"News hub","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/news-hub","label":"News hub","html":"<a href=\"/knowledge-centre/news-hub\">News hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Article library","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/article-library","label":"Article library","html":"<a href=\"/knowledge-centre/article-library\">Article library</a>","target":"_self"},"heading":false,"status":""},{"label":"Fuel for Life","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/fuel-for-life","label":"Fuel for Life","html":"<a href=\"/knowledge-centre/fuel-for-life\">Fuel for Life</a>","target":"_self"},"heading":false,"status":""},{"label":"Reaching Resilience","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/reaching-resilience","label":"Reaching Resilience","html":"<a href=\"/knowledge-centre/reaching-resilience\">Reaching Resilience</a>","target":"_self"},"heading":false,"status":""},{"label":"Technical Hub","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/technical-hub","label":"Technical Hub","html":"<a href=\"/knowledge-centre/technical-hub\">Technical Hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Tax year end","link":{"Id":null,"Rel":null,"url":"/pensions/tax-year-end","label":"Tax year end","html":"<a href=\"/pensions/tax-year-end\">Tax year end</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Claims","link":null,"subNav":[{"label":"More","navItems":[{"label":"Claims","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims","label":"Claims","html":"<a href=\"/supporting-you/claims\">Claims</a>","target":"_self"},"heading":false,"status":""},{"label":"Our approach to claims","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims/our-claims-approach","label":"Our approach to claims","html":"<a href=\"/supporting-you/claims/our-claims-approach\">Our approach to claims</a>","target":"_self"},"heading":false,"status":""},{"label":"Real stories","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims/real-stories","label":"Real stories","html":"<a href=\"/supporting-you/claims/real-stories\">Real stories</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"Protection underwriting","link":null,"subNav":[{"label":"More","navItems":[{"label":"Protection underwriting","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-underwriting","label":"Protection underwriting","html":"<a href=\"/supporting-you/protection-underwriting\">Protection underwriting</a>","target":"_self"},"heading":false,"status":""},{"label":"Underwriting misrepresentation","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-underwriting/misrepresentation","label":"Underwriting misrepresentation","html":"<a href=\"/supporting-you/protection-underwriting/misrepresentation\">Underwriting misrepresentation</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Trusts","link":null,"subNav":[{"label":"More","navItems":[{"label":"Trusts","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts","label":"Trusts","html":"<a href=\"/supporting-you/trusts\">Trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Types of trusts","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts/types-of-trust","label":"Types of trusts","html":"<a href=\"/supporting-you/trusts/types-of-trust\">Types of trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Trust Registration Service - FAQs","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts/trs","label":"Trust Registration Service - FAQs","html":"<a href=\"/supporting-you/trusts/trs\">Trust Registration Service - FAQs</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Protection large case team","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-large-case-team","label":"Protection large case team","html":"<a href=\"/supporting-you/protection-large-case-team\">Protection large case team</a>","target":"_self"},"subNav":[]},{"label":"Vulnerable customers","link":{"Id":null,"Rel":null,"url":"/supporting-you/vulnerable-customers","label":"Vulnerable customers","html":"<a href=\"/supporting-you/vulnerable-customers\">Vulnerable customers</a>","target":"_self"},"subNav":[]},{"label":"Suitability letter builder","link":{"Id":null,"Rel":null,"url":"/supporting-you/suitability-letter-builder","label":"Suitability letter builder","html":"<a href=\"/supporting-you/suitability-letter-builder\">Suitability letter builder</a>","target":"_self"},"subNav":[]},{"label":"Portals and integration","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Savings and Retirement Adviser Portal","link":{"Id":null,"Rel":null,"url":"/adviser-portal","label":"Savings and Retirement Adviser Portal","html":"<a href=\"/adviser-portal\">Savings and Retirement Adviser Portal</a>","target":"_self"},"heading":false,"status":""},{"label":"Online services","link":{"Id":null,"Rel":null,"url":"/online-services","label":"Online services","html":"<a href=\"/online-services\">Online services</a>","target":"_self"},"heading":false,"status":""},{"label":"Third party portals","link":{"Id":null,"Rel":null,"url":"/online-services/portals","label":"Third party portals","html":"<a href=\"/online-services/portals\">Third party portals</a>","target":"_self"},"heading":false,"status":""},{"label":"Back office integration","link":{"Id":null,"Rel":null,"url":"/online-services/integration","label":"Back office integration","html":"<a href=\"/online-services/integration\">Back office integration</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"Setting up an Agency","link":{"Id":null,"Rel":null,"url":"/supporting-you/setting-up-an-agency","label":"Setting up an Agency","html":"<a href=\"/supporting-you/setting-up-an-agency\">Setting up an Agency</a>","target":"_self"},"subNav":[]},{"label":"LV= news","link":{"Id":null,"Rel":null,"url":"/supporting-you/lv-news","label":"Our future plans","html":"<a href=\"/supporting-you/lv-news\">Our future plans</a>","target":"_self"},"subNav":[]},{"label":"Consumer Duty","link":null,"subNav":[{"label":"More","navItems":[{"label":"Consumer Duty","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub","label":"Consumer Duty","html":"<a href=\"/supporting-you/consumer-duty-hub\">Consumer Duty</a>","target":"_self"},"heading":false,"status":""},{"label":"Protection","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/protection","label":"Protection","html":"<a href=\"/supporting-you/consumer-duty-hub/protection\">Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Savings and Retirement","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/savings-and-retirement","label":"Savings and Retirement","html":"<a href=\"/supporting-you/consumer-duty-hub/savings-and-retirement\">Savings and Retirement</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/equity-release","label":"Equity Release","html":"<a href=\"/supporting-you/consumer-duty-hub/equity-release\">Equity Release</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Why LV=","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv","label":"Why LV=","html":"<a href=\"/supporting-your-client/why-lv\">Why LV=</a>","target":"_self"},"subNav":[{"label":"More","navItems":[{"label":"Why LV=","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv","label":"Why LV=","html":"<a href=\"/supporting-your-client/why-lv\">Why LV=</a>","target":"_self"},"heading":false,"status":""},{"label":"Mutual bonus","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/mutual-bonus","label":"Mutual bonus","html":"<a href=\"/supporting-your-client/why-lv/mutual-bonus\">Mutual bonus</a>","target":"_self"},"heading":false,"status":""},{"label":"One-off bonus","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/lv-difference","label":"Exit bonus","html":"<a href=\"/supporting-your-client/why-lv/lv-difference\">Exit bonus</a>","target":"_self"},"heading":false,"status":""},{"label":"Our awards","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/our-awards","label":"Our awards","html":"<a href=\"/supporting-your-client/why-lv/our-awards\">Our awards</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Member benefits","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits","label":"Member benefits","html":"<a href=\"/supporting-your-client/member-benefits\">Member benefits</a>","target":"_self"},"subNav":[{"label":"More","navItems":[{"label":"Member benefits","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits","label":"Member benefits","html":"<a href=\"/supporting-your-client/member-benefits\">Member benefits</a>","target":"_self"},"heading":false,"status":""},{"label":"Legal Advice Line","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits/legal-advice","label":"Legal Advice Line","html":"<a href=\"/supporting-your-client/member-benefits/legal-advice\">Legal Advice Line</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Doctor Services","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/doctors-services","label":"LV= Doctor Services","html":"<a href=\"/supporting-your-client/doctors-services\">LV= Doctor Services</a>","target":"_self"},"heading":false,"status":""},{"label":"Care navigator","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/care-navigator","label":"Care navigator","html":"<a href=\"/supporting-your-client/care-navigator\">Care navigator</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""}],"productNav":[],"docLibrary":{"Id":null,"Rel":null,"url":"/document-library","label":"Document Library","html":"<a href=\"/document-library\">Document Library</a>","target":"_self"},"searchLinkText":"Go","userSessionApi":"/service/authentication/adviser/UserB2CSession","errorMessage":"Error","resultsFound":"Suggestions","searchAutoSuggestEndPoint":"/service/search/AutoSuggest","searchResultsPage":"/search"}});</script>
    </div>

        <!--/header-->
        <!--banner-header-->
            <div class="react-component bannerheader" data-name="bannerHeader" data-id="7df895c5-bbdb-4335-8721-00be97c6948d">
        <div id="7df895c5-bbdb-4335-8721-00be97c6948d"><div class="banner-fullbleed"><div class="banner-header"><div class="media-holder"></div><div class="content-holder left"><div class="banner-content no-curve"><h2 class="title small-heading">Online security</h2><h2 class="title h1">Let's talk about <span style="color: #cddc29;">online security</span></h2></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"bannerHeader","reactName":"Athena.bannerHeader","id":"7df895c5-bbdb-4335-8721-00be97c6948d","type":"dynamic","props":{"smallHeading":"Online security","smallHeadingType":"","mainHeading":"Let's talk about <span style=\"color: #cddc29;\">online security</span>","mainHeadingType":"h2","mainHeadingMobile":"Let's talk about <span style=\"color: #cddc29;\">online security</span>","subTextLink":null,"subTextMobile":"","cta":null,"mediaType":"\"\"","image":null,"gif":null,"video":{"id":"","type":null},"contentAlignment":"left","brandIcon":null,"isEditMode":false,"html":null}});</script>
    </div>

        <!--/banner-header-->
        <!--breadcrumb-->
            <div class="react-component breadcrumb" data-name="breadcrumb" data-id="07c69246-43b1-4be2-9374-b9242e353798">
        <div id="07c69246-43b1-4be2-9374-b9242e353798"><div class="breadcrumb-Container"><div class="grid"><li><a href="/" class="breadcrumb-item textlink" title="Home">Home</a></li><span class="icon-arrow"> </span><li><a class="breadcrumb-item textlink" title="Online security">Online security</a></li></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"breadcrumb","reactName":"Athena.breadcrumb","id":"07c69246-43b1-4be2-9374-b9242e353798","type":"dynamic","props":{"Breadcrumbitems":[{"link":{"Id":null,"Rel":null,"url":"/","label":"Home","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":null,"label":"Online security","html":null,"target":null}}]}});</script>
    </div>

        <!--/breadcrumb-->
        <!--Social-->
        
        <!--/breadcrumb-->
        <!--adviserwebchat-->
        
        <!--/adviserwebchat-->
        


<!--standard-->
    <div class="react-component mainfeatures" data-name="mainFeatures" data-id="cce0d2f7-3793-4dca-a513-53a9ac9432e4">
        <div id="cce0d2f7-3793-4dca-a513-53a9ac9432e4"><div id="80f4b02f-88a0-49ec-8243-ca2a0c24c052" class="main-features-container column-2-half "><div class="main-container-fullbleed"><div class="main-feature-fullbleed"><div class="content"><h2 class="title h2-regular">Keeping you safe online is something we take very seriously</h2><span class="rte description"><p>Safe browsing and digital interactions can help protect you, your data and your money from exposure and exploitation through scams, financial crime and fraud.&nbsp;</p>
<p>Use this page as a guide to give you confidence that you&rsquo;re really engaging with Liverpool Victoria Financial Services.</p>
<p><strong>At LV=, we support your online safety through:</strong></p></span></div><div class="features-list-container"><ul><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="#bc15486f-2962-428d-9d27-b36ca88270d6" title="Link to domains section">Our websites</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="#b46ff059-8b0c-42a3-aac5-a7f0d39c29cf" title="Link to emails section">Our email addresses</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="#59e634a8-18e1-41d4-8bf0-270175e2afda" title="Link to apps section">Apps we use</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lv.com/online-security/secure-emails" target="_blank" title="LV= secure emails webpage">Mimecast Secure Mail</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="#961ea1c6-8b49-490d-bcb4-a30b50bf07a4" title="Link to data encryption section">Data encryption</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="#2780a52e-cbed-4717-b22a-3b58d7692c22" title="link to secure websites section">Secure websites</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="#010937d0-15a7-41d3-a190-11596b04ea20" title="Link to vulnerability disclosure section">Proactive approach to vulnerability disclosure</a></span></li></ul></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"mainFeatures","reactName":"Athena.mainFeatures","id":"cce0d2f7-3793-4dca-a513-53a9ac9432e4","type":"dynamic","props":{"layoutOptions":"column-2-half","imageUrl":null,"titleHeading":{"label":"Keeping you safe online is something we take very seriously","align":"","type":"h2"},"description":"<p>Safe browsing and digital interactions can help protect you, your data and your money from exposure and exploitation through scams, financial crime and fraud.&nbsp;</p>\n<p>Use this page as a guide to give you confidence that you&rsquo;re really engaging with Liverpool Victoria Financial Services.</p>\n<p><strong>At LV=, we support your online safety through:</strong></p>","leftfeatureItem":[{"description":"<a href=\"#bc15486f-2962-428d-9d27-b36ca88270d6\" title=\"Link to domains section\">Our websites</a>","icon":null},{"description":"<a href=\"#b46ff059-8b0c-42a3-aac5-a7f0d39c29cf\" title=\"Link to emails section\">Our email addresses</a>","icon":null},{"description":"<a href=\"#59e634a8-18e1-41d4-8bf0-270175e2afda\" title=\"Link to apps section\">Apps we use</a>","icon":null},{"description":"<a href=\"https://www.lv.com/online-security/secure-emails\" target=\"_blank\" title=\"LV= secure emails webpage\">Mimecast Secure Mail</a>","icon":null},{"description":"<a href=\"#961ea1c6-8b49-490d-bcb4-a30b50bf07a4\" title=\"Link to data encryption section\">Data encryption</a>","icon":null},{"description":"<a href=\"#2780a52e-cbed-4717-b22a-3b58d7692c22\" title=\"link to secure websites section\">Secure websites</a>","icon":null},{"description":"<a href=\"#010937d0-15a7-41d3-a190-11596b04ea20\" title=\"Link to vulnerability disclosure section\">Proactive approach to vulnerability disclosure</a>","icon":null}],"rightfeatureItem":[],"background":"","disableBottomSpace":false,"isEditMode":false,"html":null,"Id":{"Guid":"80f4b02f-88a0-49ec-8243-ca2a0c24c052"}}});</script>
    </div>
    <div class="react-component mainfeatures" data-name="mainFeatures" data-id="016f5f31-9925-4e90-8dcd-9a78fff616a5">
        <div id="016f5f31-9925-4e90-8dcd-9a78fff616a5"><div id="bc15486f-2962-428d-9d27-b36ca88270d6" class="main-features-container column-2-half no-margin background-primary1"><div class="main-container-fullbleed"><div class="main-feature-fullbleed"><div class="content"><h2 class="title h2-regular">LV= websites</h2><span class="rte description">We use subdomains of both https://www.lv.com and https://lvadviser.com/. This means that any other letters before the domain name, will be owned by us. For example https://lifeinsurance.lv.com.<br /></span></div><div class="features-list-container"><ul><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lv.com" target="_blank" title="LV= website">https://www.lv.com</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com" title="LV= Adviser website">https://www.lvadviser.com</a></span></li></ul></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"mainFeatures","reactName":"Athena.mainFeatures","id":"016f5f31-9925-4e90-8dcd-9a78fff616a5","type":"dynamic","props":{"layoutOptions":"column-2-half","imageUrl":null,"titleHeading":{"label":"LV= websites","align":"","type":"h2"},"description":"We use subdomains of both https://www.lv.com and https://lvadviser.com/. This means that any other letters before the domain name, will be owned by us. For example https://lifeinsurance.lv.com.<br />","leftfeatureItem":[{"description":"<a href=\"https://www.lv.com\" target=\"_blank\" title=\"LV= website\">https://www.lv.com</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com\" title=\"LV= Adviser website\">https://www.lvadviser.com</a>","icon":null}],"rightfeatureItem":[],"background":"background-primary1","disableBottomSpace":true,"isEditMode":false,"html":null,"Id":{"Guid":"bc15486f-2962-428d-9d27-b36ca88270d6"}}});</script>
    </div>
    <div class="react-component mainfeatures" data-name="mainFeatures" data-id="4e320a91-0656-44f3-b245-d6be1a655557">
        <div id="4e320a91-0656-44f3-b245-d6be1a655557"><div id="b46ff059-8b0c-42a3-aac5-a7f0d39c29cf" class="main-features-container column-3 "><div class="main-container-fullbleed"><div class="main-feature-fullbleed"><div class="content"><h3 class="title h2-regular">LV= email addresses</h3><span class="rte description">We will only ever send you emails from an email address ending with lv.com. For example; <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="0b72647e79656a666e4b677d25686466">[email&#160;protected]</a> or <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="ef96809a9d818e828aaf8386898a86819c9a9d8e818c8ac18399c18c8082">[email&#160;protected]</a>. We use <a href="https://www.lv.com/online-security/secure-emails" target="_blank" title="LV.com Secure emails page">Mimecast Secure Mail</a> to share personal documents with customers.<br /></span></div><div class="features-list-container"><ul><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@advisercomms.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@advisernews.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@brokernews.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@brokerservice.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@communications.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@complaints.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@email.lv.com</span></li></ul></div><div class="features-list-container"><ul><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@jobs.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@mail.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@membercommunity.lv.com</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@myjobs.lv.com&nbsp;</span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte ">@yourfeedback.lv.com</span></li></ul></div></div></div></div></div>
<script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script>LVSiteConfigs.components.data.push({"name":"mainFeatures","reactName":"Athena.mainFeatures","id":"4e320a91-0656-44f3-b245-d6be1a655557","type":"dynamic","props":{"layoutOptions":"column-3","imageUrl":null,"titleHeading":{"label":"LV= email addresses","align":"","type":"h3"},"description":"We will only ever send you emails from an email address ending with lv.com. For example; yourname@lv.com or yourname@lifeinsurance.lv.com. We use <a href=\"https://www.lv.com/online-security/secure-emails\" target=\"_blank\" title=\"LV.com Secure emails page\">Mimecast Secure Mail</a> to share personal documents with customers.<br />","leftfeatureItem":[{"description":"@advisercomms.lv.com","icon":null},{"description":"@advisernews.lv.com","icon":null},{"description":"@brokernews.lv.com","icon":null},{"description":"@brokerservice.lv.com","icon":null},{"description":"@communications.lv.com","icon":null},{"description":"@complaints.lv.com","icon":null},{"description":"@email.lv.com","icon":null}],"rightfeatureItem":[{"description":"@jobs.lv.com","icon":null},{"description":"@lv.com","icon":null},{"description":"@mail.lv.com","icon":null},{"description":"@membercommunity.lv.com","icon":null},{"description":"@myjobs.lv.com&nbsp;","icon":null},{"description":"@yourfeedback.lv.com","icon":null}],"background":"","disableBottomSpace":false,"isEditMode":false,"html":null,"Id":{"Guid":"b46ff059-8b0c-42a3-aac5-a7f0d39c29cf"}}});</script>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="154fb69b-aa3f-4430-846a-29e0ec0aba2d">
        <div id="154fb69b-aa3f-4430-846a-29e0ec0aba2d"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/doctor-services-logo-360x160.png"/><div id="59e634a8-18e1-41d4-8bf0-270175e2afda" class="intro-Text-container no-margin background-primary2"><div class="main-container-fullbleed"><div class="grid intro-image image-left"><div class="img-align order2"><div><img src="/-/life/media/athena/images/logo/doctor-services-logo-360x160.png" alt="LV= Doctor Services app logo "/></div></div><div class="order1 grid-flex"><h2 class="title left">LV= apps</h2></div><div class="grid content-body order3"><span class="rte description left"><p>The LV= Doctor Services app is available to members with qualifying products. For your own security, apps should only ever be downloaded from trusted sources such as:</p>
<ul>
    <li class="list-pipe"><a rel="noopener noreferrer" href="https://apps.apple.com/gb/app/lv-doctor-services/id1225173778" target="_blank" title="Apple App store website">Apple App store</a></li>
    <li class="list-pipe"><a rel="noopener noreferrer" href="https://play.google.com/store/apps/details/LV_Doctor_Services?id=com.squarehealth.healthcaremobile.liverpool&amp;hl=en_GB" target="_blank" title="Google Play store website">Google Play store</a></li>
</ul></span></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="fa6f85d1-2e7d-4d84-bd78-db78007e397c">
        <div id="fa6f85d1-2e7d-4d84-bd78-db78007e397c"><div id="961ea1c6-8b49-490d-bcb4-a30b50bf07a4" class="intro-Text-container background-primary1"><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title left">Data Encryption</h2></div><div class="grid content-body order3"><span class="rte description left"><p>We encrypt (put into a secret code) all the information you send through our online 'quote and buy' applications to keep it safe.</p>
<p>We use 256 bit Secure Socket Layer (SSL) encryption. This scrambles the information you enter to make sure that we're the only ones who can read it.</p></span></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="8ca036e5-4821-4ad7-95cb-db369b929954">
        <div id="8ca036e5-4821-4ad7-95cb-db369b929954"><div id="2780a52e-cbed-4717-b22a-3b58d7692c22" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title left">Secure webpages</h2></div><div class="grid content-body order3"><span class="rte description left"><p>You'll see when you're in a secure part of our site, as the web address starts with https (the 's' stands for secure).</p>
<p>Some browsers also show a picture of a padlock in the address bar or nearby. If you double-click the padlock, you'll see the security certificate for that website.</p>
<p style="text-align: center;"><img src="/-/life/media/athena/images/knowledge-centre/secure-sites-graphic-2024-995w.jpg" "="" _languageinserted="true" alt="Screenshots of various internet browsers highlighting what a secure website looks like. " /></p>
<p style="text-align: left;">Top-Bottom: Chrome, Safari, Edge, Firefox</p></span></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="48b659d0-9c50-4310-a3a4-77363c41347c">
        <div id="48b659d0-9c50-4310-a3a4-77363c41347c"><div id="010937d0-15a7-41d3-a190-11596b04ea20" class="intro-Text-container background-primary1"><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title left">Vulnerability Disclosure Policy</h2></div><div class="grid content-body order3"><span class="rte description left"><p>Our disclosure policy will give you lots of information that will help you report any vulnerabilities.</p>
<ul>
    <li class="list-pipe"><a href="https://www.lv.com/vulnerability-disclosure-policy" target="_blank" title="LV.com Vulnerability Disclosure Policy page">Read our Vulnerability Disclosure Policy</a></li>
</ul></span></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="39378819-bfd0-446a-b92f-991e042e93f8">
        <div id="39378819-bfd0-446a-b92f-991e042e93f8"><div id="5c2c2851-d78a-48d6-9e3c-667e3e505165" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title center">Why is online safety important?</h2></div><div class="grid content-body order3"><span class="rte description center"><p>Staying safe online is one way to protect yourself from scams, financial crime and fraud. We work hard to prevent fraud and other financial crimes to help keep your premiums as low as possible.</p>
<p>Our teams of specialists prevent and investigate financial crime and collectively, they have many years of crime fighting experience.</p></span></div></div></div></div></div>
    </div>
    <div class="react-component productcard" data-name="productCard" data-id="56bfe457-2056-46f5-8ab0-95a21a113e4b">
        <div id="56bfe457-2056-46f5-8ab0-95a21a113e4b"><div id="39d4a5ea-ff3f-461c-9ba9-3c13255e8ca3" class="product-card large"><div class="heading-title"><h2 class="title align-center">More on scams, financial crime and fraud</h2></div><div class="display-flex"><div tabindex="0" class="card noborder flex-block no-flex"><div class="content"><h3 class="title card-title">Phishing</h3><span class="rte description">Phishing is the practice of sending fraudulent communications that appear to come from a legitimate source, usually through email or text message.&nbsp;</span><div class="cta-holder"><a href="https://www.lv.com/online-security/phishing" target="_blank" class=" cta secondary" title="" role="button">Find out more about phishing</a></div></div></div><div tabindex="0" class="card noborder flex-block no-flex"><div class="content"><a href="https://www.lv.com/about-us/company-information/financial-crime/vishing" target="_self" class="title card-title textlink" title="Vishing">Vishing</a><span class="rte description">Vishing refers to fraudulent phone calls that trick victims into providing personal information, like passwords or bank details over the phone.</span><div class="cta-holder"><a href="https://www.lv.com/about-us/company-information/financial-crime/vishing" target="_blank" class=" cta secondary" title="" role="button">Find out more about vishing</a></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"productCard","reactName":"Athena.productCard","id":"56bfe457-2056-46f5-8ab0-95a21a113e4b","type":"dynamic","props":{"cardItem":[{"image":null,"link":null,"description":"Phishing is the practice of sending fraudulent communications that appear to come from a legitimate source, usually through email or text message.&nbsp;","buttonLink":{"label":"Find out more about phishing","type":"secondary","url":"https://www.lv.com/online-security/phishing","target":"_blank"},"titleHeading":{"label":"Phishing","type":"h3","url":"","target":"_self"},"html":null},{"image":null,"link":null,"description":"Vishing refers to fraudulent phone calls that trick victims into providing personal information, like passwords or bank details over the phone.","buttonLink":{"label":"Find out more about vishing","type":"secondary","url":"https://www.lv.com/about-us/company-information/financial-crime/vishing","target":"_blank"},"titleHeading":{"label":"Vishing","type":"h3","url":"https://www.lv.com/about-us/company-information/financial-crime/vishing","target":"_self"},"html":null}],"Id":{"Guid":"39d4a5ea-ff3f-461c-9ba9-3c13255e8ca3"},"titleHeading":{"label":"More on scams, financial crime and fraud","align":"center","type":"h2"},"enableBorder":false,"verticalSeparator":false,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>
    <div class="react-component productcard" data-name="productCard" data-id="81a05c2e-d6a7-4ad5-906f-eee84a07d339">
        <div id="81a05c2e-d6a7-4ad5-906f-eee84a07d339"><div id="7cfe8130-76e3-44d6-bea9-7acffe589917" class="product-card large"><div class="display-flex"><div tabindex="0" class="card noborder flex-block no-flex"><div class="content"><h3 class="title card-title">Financial crime</h3><span class="rte description">Financial crime covers a wide range of criminal offences including fraud, money laundering, bribery and corruption, terrorist financing, tax evasion, market abuse and insider dealing.</span><div class="cta-holder"><a href="https://www.lv.com/about-us/company-information/financial-crime" target="_blank" class=" cta secondary" title="" role="button">Find out more about financial crime</a></div></div></div><div tabindex="0" class="card noborder flex-block no-flex"><div class="content"><a href="https://www.lv.com/about-us/company-information/financial-crime/pension-scams" target="_self" class="title card-title textlink" title="Pension scams">Pension scams</a><span class="rte description">People who operate pensions scams often use sophisticated techniques to build trust and convince even the most experienced investors out of their savings.</span><div class="cta-holder"><a href="https://www.lv.com/about-us/company-information/financial-crime/pension-scams" target="_blank" class=" cta secondary" title="" role="button">Find out more about pension scams</a></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"productCard","reactName":"Athena.productCard","id":"81a05c2e-d6a7-4ad5-906f-eee84a07d339","type":"dynamic","props":{"cardItem":[{"image":null,"link":null,"description":"Financial crime covers a wide range of criminal offences including fraud, money laundering, bribery and corruption, terrorist financing, tax evasion, market abuse and insider dealing.","buttonLink":{"label":"Find out more about financial crime","type":"secondary","url":"https://www.lv.com/about-us/company-information/financial-crime","target":"_blank"},"titleHeading":{"label":"Financial crime","type":"h3","url":"","target":"_self"},"html":null},{"image":null,"link":null,"description":"People who operate pensions scams often use sophisticated techniques to build trust and convince even the most experienced investors out of their savings.","buttonLink":{"label":"Find out more about pension scams","type":"secondary","url":"https://www.lv.com/about-us/company-information/financial-crime/pension-scams","target":"_blank"},"titleHeading":{"label":"Pension scams","type":"h3","url":"https://www.lv.com/about-us/company-information/financial-crime/pension-scams","target":"_self"},"html":null}],"Id":{"Guid":"7cfe8130-76e3-44d6-bea9-7acffe589917"},"titleHeading":null,"enableBorder":false,"verticalSeparator":false,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>

<!--/standard-->
        <!--/main-->
        <!--globalalert-->
        
        <!--/globalalert-->
        <!--cookieconsent-->
        
        <!--/cookieconsent-->
        <!--footer-content-->
            <div class="react-component footer" data-name="footer" data-id="eb4af968-4296-45ba-8a76-e8518faf0dd6">
        <div id="eb4af968-4296-45ba-8a76-e8518faf0dd6"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png"/><footer class="footer-container lvp"><div class="inner-container"><div class="links-container"><div class="nav-link"><a href="#" target="_self" class=" textlink" title="Cookie settings">Cookie settings</a></div><div class="nav-link"><a href="/legal" target="_self" class=" textlink" title="Legal">Legal</a></div><div class="nav-link"><a href="/lv-cookie-consent" target="_self" class=" textlink" title="Cookie consent">Cookie consent</a></div><div class="nav-link"><a href="/data-protection" target="_self" class=" textlink" title="Data protection">Data protection</a></div><div class="nav-link"><a href="/online-security" target="_self" class=" textlink" title="Online security">Online security</a></div><div class="nav-link"><a href="/accessibility" target="_self" class=" textlink" title="Accessibility">Accessibility</a></div><div class="nav-link"><a href="/service-status" target="_self" class=" textlink" title="Service status">Service status</a></div><div class="nav-link"><a href="/site-map" target="_self" class=" textlink" title="Sitemap">Sitemap</a></div></div><div class="footer-bottom"><div class="logo-block"><div class="logo-holder"><a href="https://www.lvadviser.com" target="_self" class=""><img src="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png" alt="ALT Text"/></a></div><span class="copyright"><p><strong> For UK Financial Advisers only</strong></p>
<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p></span></div><div class="footer-social"><div class="footer-media linkedin"><a href="https://www.linkedin.com/showcase/lvforadvisers" target="_self" class="footer-social-media" title="LinkedIn"><span class="icon icon-linkedin" alt="LinkedIn"></span></a></div><div class="footer-media twitter"><a href="https://twitter.com/LVforAdvisers" target="_self" class="icon-link" title="Twitter"><svg focusable="false" width="25" height="21" viewBox="0 0 25 21"><path d="M12.2228 8.8875L19.8685 0H18.0567L11.418 7.71689L6.11564 0H0L8.0182 11.6693L0 20.9892H1.81189L8.82259 12.8399L14.4223 20.9892H20.5379L12.2224 8.8875H12.2228ZM9.74121 11.7721L8.9288 10.6101L2.46474 1.36396H5.24769L10.4643 8.8259L11.2767 9.9879L18.0576 19.6873H15.2747L9.74121 11.7726V11.7721Z" fill="#04589B"></path></svg></a></div></div></div></div></footer></div>
<script>LVSiteConfigs.components.data.push({"name":"footer","reactName":"Athena.footer","id":"eb4af968-4296-45ba-8a76-e8518faf0dd6","type":"dynamic","props":{"expanderText":"Useful Links","copyrightText":"<p><strong> For UK Financial Advisers only</strong></p>\n<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p>","logo":{"src":"/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png","alt":"ALT Text","url":"https://www.lvadviser.com","target":"_self","html":null,"isEditMode":false},"socialLinks":[{"alt":"LinkedIn","channel":"linkedin","link":{"url":"https://www.linkedin.com/showcase/lvforadvisers","label":"","target":"_self"}},{"alt":"Twitter","channel":"twitter","link":{"url":"https://twitter.com/LVforAdvisers","label":"","target":"_self"}}],"navLinks":[{"link":{"Id":null,"Rel":null,"url":"javascript:Optanon.ToggleInfoDisplay();;","label":"Cookie settings","html":"<a href=\"javascript:Optanon.ToggleInfoDisplay();;\">Cookie settings</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/legal","label":"Legal","html":"<a href=\"/legal\">Legal</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/lv-cookie-consent","label":"Cookie consent","html":"<a href=\"/lv-cookie-consent\">Cookie consent</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/data-protection","label":"Data protection","html":"<a href=\"/data-protection\">Data protection</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/online-security","label":"Online security","html":"<a href=\"/online-security\">Online security</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/accessibility","label":"Accessibility","html":"<a href=\"/accessibility\">Accessibility</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/service-status","label":"Service status","html":"<a href=\"/service-status\">Service status</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/site-map","label":"Sitemap","html":"<a href=\"/site-map\">Sitemap</a>","target":"_self"}}]}});</script>
    </div>

        <!--/footer-content-->
        <!--script-footer-->
        
        <!--/script-footer-->


    </div>
    <!-- Includes Common js-->
    <script src='/life/athenadist/common.js?v=1.1.972.0'></script>

    <!-- Includes template Specific js-->
    <script src='/life/athenadist/js/mediators/standardpage.js?v=1.1.972.0'></script>

</body>
</html>
