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LV= Income Protection provides comprehensive cover for families with tailored options for doctors, surgeons, dentists, teachers and renters.
It also includes a number of special features at no extra cost, including parent and child cover, death benefit, rehab support services, fracture cover and £1,500 benefit guarantee.
Personal Sick Pay is our age-costed option aimed specifically at clients in riskier jobs who – like tradespeople, nurses and electricians who can be more expensive to insure, and need tailored cover.
It also offers shorter waiting periods including day 1 and 1 week, making it ideal for those who don’t have sick pay in place and need cover to start paying out sooner.
Mortgage and Rent Cover is our outgoings based solution that protects your client's monthly mortgage or rental payment.
There is no financial underwriting required at application and no financial evidence needed to make a claim. You simply need to validate the amount of cover isn't more than your clients mortgage or rental payment by obtaining evidence (such as mortgage offer or rental agreement). This means it can help you protect more clients where traditional income protection wouldn’t always be suitable.
Our more affordable Critical Illness option covers the conditions your client is more likely to claim on, and more. Children’s cover is not included but can be added at an additional cost.
For extra peace of mind, Life and Enhanced Critical Illness cover protects against more conditions, includes wider coverage for cancer and standard Children’s Cover at no added cost.
With both Critical Illness options your client can choose to take out the cover with Enhanced Children’s Cover at an additional cost. This covers any current and future children from birth to 23 for 95 conditions (including 10 child-specific illnesses). Your client is also covered for 6 pregnancy complications.
Our Life Protection can financially support your client’s family when the unexpected happens. It provides a one-off lump sum payment to your client’s loved ones – helping ease the upfront financial burden.
Family Income Benefit pays a monthly income and helps your clients family keep up with their day-to-day living costs.
Our online calculator helps your clients see the true value of financial protection – in no time at all. Simply input some basic details to instantly get a personalised risk report.
Our menu tool is designed to help you discover more about the products and features that could be best suited to the individual needs of your client.
Remote GP 24/7
Remote psychological support
Discounted health MOT's
Your client’s children are also covered, up to age 16, for Remote GP 24/7, Prescription Services and Second Opinion, where your client is the parental guardian.
For Remote Physiotherapy and Remote Psychological Support your client may be limited to five free sessions a year. This cap is shared between the policyholder and their spouse/partner.
When your client or their children need peace of mind, the Member Care Line offers access to confidential legal advice, trained nurses and qualified counsellors – it can be accessed 24/7, free of charge and with unlimited use.