Online Services:

We're committed to supporting you, and helping you deliver protection conversations to a high standard, with your clients at the heart. That's why we've made it easy for you to see a range of resources, tools, support and documents to help you with Consumer Duty requirements.

Helping you to support your clients in making effective, timely and informed decisions about protection products

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Personalised risk report

Our online calculator helps your clients see the true value of financial protection - in no time at all. Simply input four details to instantly get a personalised result giving you a clear way to position risk.

More about our Risk Reality Calculator

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Protection Webinars

We provide a continuous schedule of CPD accredited webinars so you can virtually keep up to date on the latest protection insights, product and technical updates as well as get relevant support and actionable ideas.

View our webinar calendar

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Fuel for Life

Our protection focused digital magazine provides you with the latest news, industry insights and thought leadership - helping you power your protection conversations.

Read the latest issue of Fuel for Life

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Personal protection tools and calculators

As well as the Risk Reality Calculator, we have a number of other tools to support your protection conversations. They can help demonstrate the income your client could lose if unable to work, share the products and features that may be most relevant to a specific client and help calculate split waiting periods.

Personal Protection tools

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Business protection tools and calculators

We also provide a range of calculators to help you recommend Business Protection products giving the right amount of cover, value of a business and helping demonstrate the value of protection for businesses.

Business Protection tools

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Dedicated account managers

Get expert and professional support from your dedicated account manager. They're on hand to support with individual cases, and provide product and skills based training to help you expand your protection knowledge so you can provide the best recommendations possible for your clients.

Contact your account manager

Helping you ensure our products and services meet the needs of your client

In each of our product profiles, we outline relevant product information required to help distributors understand our products. These documents are for adviser use only and not to be used with customers. We set out the product's target market, distribution strategy, main features, limits, suitability, risks, options and costs, and the outcome of our fair value assessment. Here you can find links to each of our product profiles.

Simple product videos

We've created short videos that you can share with your clients that simply explain and provide an overview of each of our core products.

Financial Resilience and the role of protection

Our Reaching Resilience report is our protection focused research that explores financial resilience among consumers. It explores how prepared UK workers are should the unexpected happen, whether these plans are realistic and the role of protection in building financial resilience.

Our claims report

We're there for your clients at the moment of truth. For each claim we pay, there is a family impacted. Our help doesn't start and end with a claim payment. Our annual claims report demonstrates not only the financial claims we pay but also the everyday emotional and practical support available from day 1 of our policies.

Our teams are here for you and your clients every step of the way

In the moment emotional and practical support

Being a member entitles your client to a host of member benefits. They've been designed for moments in life when they might just need a little bit of extra support, or simply some comfort and reassurance.

LV= Doctor Services provides access to quality medical services - from remote GP 24/7 access and a second opinion service, right through to support for mental health, it's a convenient and confidential option.

Legal Advice Line is available to provide practical help. It's run by a team of legal advisers who can talk to your clients about their rights and how to deal with various legal situations - at no additional cost.

View all our member benefits

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Contacting the right person

Our dedicated numbers will put you in touch with the right team. Whether you need to speak to someone about our products and services, your client needs to make a change, claim or discuss their policy, we have a specialist team to help.

Contact us

Our underwriting philosophy

We understand that a simplified underwriting journey is important to you and your clients. We've ensured you can make full and accurate disclosures easily, giving the confidence that a claim will be paid.

Quick indicative underwriting decisions

Our Pre-Underwriting Tool, part of Fastway, gives you quick, indicative underwriting decisions. It allows you to enter illnesses and conditions. The tool mirrors the questions and outcomes from the full application, helping you manage your client's expectations.

Demonstrating that our products and services represent fair value for your clients

Fair value

Assessing 'fair value' is an integral part of our Product Oversight and Governance policy and therefore forms part of new product development and enhancements as well as the on-going product management and review processes. All of our product profiles include more information on how each product has been assessed to demonstrate that it provides fair value.