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Transparent and proven smoothing

Our ISA irons out the ups and downs of short-term market fluctuations. It's designed to reduce the impact of market volatility and to support risk-sensitive clients who may be uncomfortable with market uncertainty.

Your clients will benefit from a transparent and proven smoothing process:

  • The smoothing mechanism is applied to each investment paid.
  • For the first 26 weeks each investment your client invests is valued at the underlying price.
  • After 26 weeks, each investment is valued at the averaged price. This is an average of the daily underlying price over the previous 26 weeks.
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Risk-rated fund options

Our ISA can be accessed through three risk-rated funds – ISA Cautious, ISA Balanced or ISA Growth Funds:

  • Each fund option is risk-rated 3, 4, and 5 respectively by Defaqto and Distribution Technology.
  • Match your client’s risk profile to a fund option to ensure client suitability.
  • Your clients can only have one LV= ISA investing in one of the three fund options at any one time.
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Invest between £10,000 and £1 million

Our ISA accepts initial and ad-hoc lump sum investments and ISA transfers only.

  • The maximum investment is £1,000,000 across the LV= ISA, and aggregated investments into our Smoothed Managed Funds product range (including all series of our Bond, Pension and Trustee Investment Plan).
  • The maximum subscription for the current tax year combined across all ISAs is £20,000. Transfers in, from previous tax years, don't count towards this annual limit.
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Easy application and transfer process

We make the application and transfer process simple. Apply online without the need for a wet signature:

  • Automated client checks are backed by our ISA transfer desk.
  • We use the Origo Transfer Service – we’ll do the work to transfer funds from the ceding provider. See more on the ISA Origo Transfer process.
  • For transfers from ISA managers not using the Origo Transfer Service, we have a simple non-electronic process. See more on the ISA non-electronic transfer process.
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LV= ISA Key Information

With details on risks, performance scenarios and costs – our key information documents outline this information on each of our fund options.
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ISA Cautious Fund - optional capital guarantee

If your client is looking for capital preservation, they can opt for a 10-year capital guarantee. It’s available to buy on our ISA Cautious Fund at outset on initial or subsequent investments, or on the expiry of a previous guarantee – where a guarantee is available.
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Member benefits

After taking out an LV= ISA, your client can opt to become a member. This gives them a range of exclusive benefits, at no added cost. These include:

  • Voting rights in our annual AGM, after being a member for 12 months or more.
  • Free health, counselling and legal advice via our Member Care Line.
  • Discounts on general insurance products provided by LV= General Insurance Group, a subsidiary company of Allianz Holdings plc.
Learn more about Member Benefits.
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Online valuations

We make online valuations quick and easy. With our online valuation tool, you can check the value of your client’s investment – in just a few clicks.

Launch our online valuation tool.
Contact Phone

Let's talk

0800 085 0250

9am - 5.30pm Mon-Fri

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