LV= Income Protection provides comprehensive cover for those clients in lower risk occupations and their families with tailored options for doctors, surgeons, dentists, teachers and renters.

Our cover is comprehensive and includes a number of special features at no extra cost, including parent and child cover, death benefit, rehab support services, fracture cover, £1,500 benefit guarantee and sick pay guarantees.

We also offer budget options with shorter claim periods – either 12 months (with guaranteed premiums), or 24 months (with guaranteed or reviewable premiums).  These more affordable options include all the same features and support.

Personal Sick Pay is our age-costed option aimed specifically at clients in riskier jobs – like tradespeople, nurses and electricians who can be more expensive to insure, and need tailored cover.

It includes a number of different features for your clients and offers shorter waiting periods including day one and one week, making it ideal for those who don’t have sick pay in place and need cover to start paying out sooner.

We also offer a more affordable, budget option with a shorter claim period of 24 months (with guaranteed or reviewable premiums). This option includes all the same features and support.

Mortgage and Rent Cover is our outgoings based solution that protects your clients' monthly mortgage or rental payment should they be unable to work due to illness or injury. It can help you protect clients with irregular earnings where traditional income protection wouldn’t always be suitable.

There's 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 a mortgage offer or rental agreement).

Our Mortgage and Rent Guarantee means we guarantee we’ll pay the full chosen amount of cover throughout the claim.