Personal Protection:

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Menu protection from the heart

We put protecting income at the heart of our menu plan, making it easy for you to recommend the LV= Flexible Protection Plan to your clients. 

Our menu plan includes a complete package of products with flexible options, allowing you to tailor the plan to their protection needs.

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Income ProtectionOur traditional Income Protection is best suited to those clients in lower-risk occupations. It offers a comprehensive range of features and cover options so you can tailor the policy to your client’s needs.
More on Income Protection
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Life and Critical Illness CoverOur Life and Critical Illness Cover pays a lump sum upon serious illness or death. We’ll be there to support your clients and their family through life changing moments with our comprehensive features.
More on Life and Critical Illness Cover
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Mortgage and Rent Cover

Mortgage and Rent Cover can protect your clients' monthly mortgage or rental payment should they be unable to work due to illness or injury. Our cover requires no financial underwriting at outset - your client just needs to show you evidence of their mortgage or rental payments.

More on Mortgage and Rent Cover
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Personal Sick PayOur Personal Sick Pay offers specialist income protection aimed specifically at clients in riskier jobs – like tradespeople, nurses and electricians who can be more expensive to insure, and need tailored cover.
More on Personal Sick Pay
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Life ProtectionOur Life Protection can financially support your client’s family when the unexpected happens. It provides a lump sum payment to your client’s loved ones – helping ease the financial burden of daily life.
More on Life Protection
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Family Income BenefitFamily Income Benefit offers further protection to your client’s family. It pays a monthly income if your client passes away – meaning their family can still meet day-to-day living costs.
More on Family Income Benefit
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Gift Inter VivosOur Gift Inter Vivos plan offers a lump sum payment on death. It’s aimed at your clients who have gifted assets to someone and want to cover any inheritance tax liability.
More on Gift Inter Vivos
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Waiver of Premium cover

Protect the total premium payments for all your client’s live policies within the Flexible Protection Plan.

Flexible Protection Plan waiver of premium product profile

Benefits of our Flexible Protection Plan

With our complete package of protection and expert support, it’s easier than you think to recommend our menu plan to your clients. 

  • Includes our award-winning Income Protection Solutions, which are at the heart of our menu. 
  • Your client gets emotional and practical support through our LV= Doctor Services and Legal Advice Line
  • Quality Critical Illness Cover, supporting your clients and their families when they need it the most.
  • With expert and professional support from our teams, we’ll be here for you and your client every step of the way.

Making applications simple

With one quote, one application and one Direct Debit, we’ve taken the stress out of online applications. Fastway – our fast and flexible quote and apply technology – helps put your clients on risk quicker:

  • Save quotes and go back to them at any time.

  • See instant decisions and partially underwritten quotes.
  • Access our online Pre-Underwriting Tool and get an indicative underwriting decision 24/7.
  • We offer a straightforward online trusts tool to help you make sure the valuable protection you’ve set up for your clients pays out quickly and to the right people.
  • Fill in the sections in the order that suits you and your client.

  • View all your personal applications in one simple dashboard.

  • Integration with the Protection Progress Hub means you can easily track your applications, or use directly with the portal of your choice.
Contact Phone

Let's talk

0800 678 1890

9am - 5pm Mon-Fri

TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.