

<!DOCTYPE html>
<html lang="en">

<head>
    <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=1">
    <meta http-equiv="content-type" content="text/html; charset=UTF-8" />
    <meta http-equiv="X-UA-Compatible" content="IE=edge" />

    <link rel="icon" href="/Athena_Icons/favicon.ico" />
    <!-- OneTrust Cookies Consent Notice start for lvadviser.com -->
<script type="text/javascript" src="https://cdn-ukwest.onetrust.com/consent/2e928774-799b-4c64-9cb0-9d5b40d51598/OtAutoBlock.js" ></script>
<script src="https://cdn-ukwest.onetrust.com/consent/2e928774-799b-4c64-9cb0-9d5b40d51598/otSDKStub.js"  type="text/javascript" charset="UTF-8" data-domain-script="2e928774-799b-4c64-9cb0-9d5b40d51598" ></script>
<script type="text/javascript">
function OptanonWrapper() { }
</script>                    <script type="text/javascript" async="" src="https://www.google-analytics.com/analytics.js"></script>

    <!-- OneTrust Cookies Consent Notice end for lvadviser.com -->


    <!--Livechat-->
    

    <!--Livechat-->
    <!--head-->
    <script>
// Define dataLayer and the gtag function.
window.dataLayer = window.dataLayer || [];
function gtag() { dataLayer.push(arguments); }
// Default ad_storage to 'denied'.
gtag('consent', 'default', {
'ad_storage': 'denied',
'ad_user_data': 'denied',
'ad_personalization': 'denied',
'analytics_storage': 'denied',
'wait_for_update': 500
}); 
</script>        <!-- Google Tag Manager -->
<!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.setAttributeNode(d.createAttribute('data-ot-ignore'));j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-PMP567W');</script>
<!-- End Google Tag Manager -->        <!-- End Google Tag Manager -->
    <script type="text/javascript" src=""></script>



    <title>Protection resources | LV= Adviser</title>
    <meta name="description" content="Helping you to support your clients in making effective, timely and informed decisions about protection products." />
    <script>var category = 'Supporting You '</script>
    <link rel="canonical" href="https://www.lvadviser.com/supporting-you/consumer-duty-hub/protection" />
            <meta property="og:url" content="https://www.lvadviser.com/supporting-you/consumer-duty-hub/protection" />


    <!--/head-->

    <script data-desc="Namespace object">
        var LVSiteConfigs = { components: { data: [] } };
    </script>

    
        <script type="text/javascript">
            !function(v,y,T){var S=v.location,k="script",D="instrumentationKey",C="ingestionendpoint",I="disableExceptionTracking",E="ai.device.",b="toLowerCase",w=(D[b](),"crossOrigin"),N="POST",e="appInsightsSDK",t=T.name||"appInsights",n=((T.name||v[e])&&(v[e]=t),v[t]||function(l){var u=!1,d=!1,g={initialize:!0,queue:[],sv:"6",version:2,config:l};function m(e,t){var n={},a="Browser";return n[E+"id"]=a[b](),n[E+"type"]=a,n["ai.operation.name"]=S&&S.pathname||"_unknown_",n["ai.internal.sdkVersion"]="javascript:snippet_"+(g.sv||g.version),{time:(a=new Date).getUTCFullYear()+"-"+i(1+a.getUTCMonth())+"-"+i(a.getUTCDate())+"T"+i(a.getUTCHours())+":"+i(a.getUTCMinutes())+":"+i(a.getUTCSeconds())+"."+(a.getUTCMilliseconds()/1e3).toFixed(3).slice(2,5)+"Z",iKey:e,name:"Microsoft.ApplicationInsights."+e.replace(/-/g,"")+"."+t,sampleRate:100,tags:n,data:{baseData:{ver:2}}};function i(e){e=""+e;return 1===e.length?"0"+e:e}}var e,n,f=l.url||T.src;function a(e){var t,n,a,i,o,s,r,c,p;u=!0,g.queue=[],d||(d=!0,i=f,r=(c=function(){var e,t={},n=l.connectionString;if(n)for(var a=n.split(";"),i=0;i<a.length;i++){var o=a[i].split("=");2===o.length&&(t[o[0][b]()]=o[1])}return t[C]||(t[C]="https://"+((e=(n=t.endpointsuffix)?t.location:null)?e+".":"")+"dc."+(n||"services.visualstudio.com")),t}()).instrumentationkey||l[D]||"",c=(c=c[C])?c+"/v2/track":l.endpointUrl,(p=[]).push((t="SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details)",n=i,o=c,(s=(a=m(r,"Exception")).data).baseType="ExceptionData",s.baseData.exceptions=[{typeName:"SDKLoadFailed",message:t.replace(/\./g,"-"),hasFullStack:!1,stack:t+"\nSnippet failed to load ["+n+"] -- Telemetry is disabled\nHelp Link: https://go.microsoft.com/fwlink/?linkid=2128109\nHost: "+(S&&S.pathname||"_unknown_")+"\nEndpoint: "+o,parsedStack:[]}],a)),p.push((s=i,t=c,(o=(n=m(r,"Message")).data).baseType="MessageData",(a=o.baseData).message='AI (Internal): 99 message:"'+("SDK LOAD Failure: Failed to load Application Insights SDK script (See stack for details) ("+s+")").replace(/\"/g,"")+'"',a.properties={endpoint:t},n)),i=p,r=c,JSON&&((o=v.fetch)&&!T.useXhr?o(r,{method:N,body:JSON.stringify(i),mode:"cors"}):XMLHttpRequest&&((s=new XMLHttpRequest).open(N,r),s.setRequestHeader("Content-type","application/json"),s.send(JSON.stringify(i)))))}function i(e,t){d||setTimeout(function(){!t&&g.core||a()},500)}f&&((n=y.createElement(k)).src=f,!(o=T[w])&&""!==o||"undefined"==n[w]||(n[w]=o),n.onload=i,n.onerror=a,n.onreadystatechange=function(e,t){"loaded"!==n.readyState&&"complete"!==n.readyState||i(0,t)},e=n,T.ld<0?y.getElementsByTagName("head")[0].appendChild(e):setTimeout(function(){y.getElementsByTagName(k)[0].parentNode.appendChild(e)},T.ld||0));try{g.cookie=y.cookie}catch(h){}function t(e){for(;e.length;)!function(t){g[t]=function(){var e=arguments;u||g.queue.push(function(){g[t].apply(g,e)})}}(e.pop())}var s,r,o="track",c="TrackPage",p="TrackEvent",o=(t([o+"Event",o+"PageView",o+"Exception",o+"Trace",o+"DependencyData",o+"Metric",o+"PageViewPerformance","start"+c,"stop"+c,"start"+p,"stop"+p,"addTelemetryInitializer","setAuthenticatedUserContext","clearAuthenticatedUserContext","flush"]),g.SeverityLevel={Verbose:0,Information:1,Warning:2,Error:3,Critical:4},(l.extensionConfig||{}).ApplicationInsightsAnalytics||{});return!0!==l[I]&&!0!==o[I]&&(t(["_"+(s="onerror")]),r=v[s],v[s]=function(e,t,n,a,i){var o=r&&r(e,t,n,a,i);return!0!==o&&g["_"+s]({message:e,url:t,lineNumber:n,columnNumber:a,error:i,evt:v.event}),o},l.autoExceptionInstrumented=!0),g}(T.cfg));function a(){T.onInit&&T.onInit(n)}(v[t]=n).queue&&0===n.queue.length?(n.queue.push(a),n.trackPageView({})):a()}(window,document,{
			src: "https://js.monitor.azure.com/scripts/b/ai.2.min.js",
			crossOrigin: "anonymous",
			onInit: function(sdk) {
				sdk.addTelemetryInitializer(function(envelope) {
					envelope.tags["ai.cloud.role"] = "Prod-Athena";
				});
			},
			cfg: {
				connectionString: "InstrumentationKey=7a87f821-f33e-421a-81bd-a4f453010860;IngestionEndpoint=https://uksouth-0.in.applicationinsights.azure.com/;LiveEndpoint=https://uksouth.livediagnostics.monitor.azure.com/"
			}});
        </script>

    <!-- Includes Common Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/common.css?v=1.1.972.0' />

    <!-- Includes Template Specific Stylesheet-->
    <link rel='stylesheet' href='/life/athenadist/css/pages/standardpage.css?v=1.1.972.0' />

</head>
<body class="">

    <div id="page">
        <!--script-top-->
            <!-- Google Tag Manager (noscript) -->
    <noscript>
        <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PMP567W"
                height="0" width="0" style="display: none; visibility: hidden"></iframe>
    </noscript>
    <!-- End Google Tag Manager (noscript) -->

        <!--/script-top-->
        <!--utility navigation-->
            <div class="react-component utilitynavigation" data-name="utilityNavigation" data-id="74c2a724-0357-4a18-b6a5-05fe79532ee1">
        <div id="74c2a724-0357-4a18-b6a5-05fe79532ee1"><div class="utility-navigation"><div class="link-container"><div class="link"><a href="https://www.lv.com/life" target="_self" class=" textlink" title="LV= Personal">LV= Personal</a></div><div class="link"><a href="/" target="_self" class=" active textlink" title="LV= Adviser">LV= Adviser</a></div></div></div></div>
    </div>

        <!--/utility navigation-->
        <!--Launchers-->
            <div class="react-component launchers" data-name="launchers" data-id="6cd4cb4d-0285-4e2a-8851-e31938a18287">
        <div id="6cd4cb4d-0285-4e2a-8851-e31938a18287"><div class="sticky-launchers-container lvp "><div class="inner-container"><div class="page-name"><h2 class="title ">Online Services:</h2></div><div class="dd-container"><div tabindex="0" role="menuitem" class="dd-holder closed static "><span class="dd-title closed ">Quote &amp; Apply</span><span class="line"></span></div></div><div class="dd-container"><div tabindex="0" role="menuitem" class="dd-holder closed static "><span class="dd-title closed ">Servicing</span><span class="line"></span></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"launchers","reactName":"Athena.launchers","id":"6cd4cb4d-0285-4e2a-8851-e31938a18287","type":"dynamic","props":{"title":{"label":"Online Services","type":""},"pageTitle":{"label":"Online Services:","type":"h2"},"userSessionApi":"/service/authentication/adviser/UserB2CSession","dropdowns":[{"label":"","enable":false,"options":[{"label":null,"description":null,"modallayer":false,"url":null,"isNewWindow":false,"popupItems":[],"popupDescription":null}]},{"label":"Quote &amp; Apply","enable":true,"options":[{"label":"FPP Fastway PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Fastway","isNewWindow":true,"permissions":["PROTECT_APPS"]}],"popupDescription":""},{"label":"Retirement view PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Savings and Retirement","isNewWindow":true,"permissions":["RS_APPS"]}],"popupDescription":""},{"label":"Equity Release","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://erportal.lvadviser.com/Intermediary","label":"Equity Release Portal","isNewWindow":true,"permissions":["INVEST_APPS","PROTECT_APPS","RS_APPS","SOL_APPS"]}],"popupDescription":""}]},{"label":"Servicing","enable":true,"options":[{"label":"Pension Servicing PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/","label":"Pension Servicing","isNewWindow":true,"permissions":["INVEST_APPS","RS_APPS"]}],"popupDescription":""},{"label":"ISA and Bond valuation tool PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://portal.lvadviser.com/","label":"ISA/Bond Valuations","isNewWindow":true,"permissions":["INVEST_APPS"]}],"popupDescription":""},{"label":"Protection Progress Hub PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"/service/launchers/adviser/executelauncher?launcher=protection-progress-hub","label":"Protection Progress Hub","isNewWindow":true,"permissions":["PROTECT_APPS"]}],"popupDescription":""},{"label":"Equity Release","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://erportal.lvadviser.com/Intermediary","label":"Equity Release Portal","isNewWindow":true,"permissions":["INVEST_APPS","PROTECT_APPS","RS_APPS","SOL_APPS"]}],"popupDescription":""},{"label":"Daily Fund Prices PROD","description":"","modallayer":false,"url":null,"isNewWindow":false,"popupItems":[{"url":"https://www.lvadviser.com/online-services/funds-centre","label":"Daily Fund prices","isNewWindow":false,"permissions":[]}],"popupDescription":""}]}]}});</script>
    </div>

        <!--/Launchers-->
        <!--header-->
            <div class="react-component header" data-name="header" data-id="8281353d-9745-4471-b2a9-1e09d90e9d0d">
        <div id="8281353d-9745-4471-b2a9-1e09d90e9d0d"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png"/><div class="header-wrapper"><a href="#skipnav" aria-hidden="false" class="sr-only enable-focus">SkipNav</a><div class="header-top"><div class="logo-holder"><a href="https://www.lvadviser.com" target="_self" class="logo"><img src="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png" alt="LV= Adviser Centre for Intermediaries"/></a></div><div class="top-nav"><ul><li class="contact"><a href="/contact-us" target="_self" class="icon-contact" title="Contact us"><span>Contact us</span></a></li><li class="search"><a href="/search" target="_self" class="icon-search" title="Search"><span>Search</span></a></li></ul><ul class="login-links"><li class="login"><a href="https://www.lvadviser.com/applications#login" target="_self" class="icon-login" title="Login" role="menuitem"><span>Login</span></a></li><li class="register"><a href="https://secwsgw.lv.com/adviser/registration" target="_self" class="icon-register" title="Register" role="menuitem"><span>Register</span></a></li></ul></div></div><div class="search-holder"><div class="search-elements" role="dialog" aria-modal="true"><div class="search-contents"><div class="search-header"><h2 class="title h2-regular">Search</h2><button aria-label="Close" class="icon-close-light" title="Close"></button></div><div class="search-body"><div class="input-field"></div><button class="cta-small secondary">Go</button></div><div class="error-message"><span></span></div></div></div><div class="overlay"></div></div><div class="nav-container"><div class="main-nav"><ul class="level0"><li class="has-sub"><a href="/smoothed-investments" target="_self" class="" title="Platform and Investments" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Platform and Investments</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Smoothed Managed Funds</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments" target="_self" class="" title="Smoothed Managed Funds" role="menuitem"><span>Smoothed Managed Funds</span></a></li><li><a href="/smoothed-investments/smoothing" target="_self" class="" title="Smoothing explained" role="menuitem"><span>Smoothing explained</span></a></li><li><a href="/smoothed-investments/fund-management" target="_self" class="" title="Fund management" role="menuitem"><span>Fund management</span></a></li><li><a href="/smoothed-investments/fund-management/risk-ratings" target="_self" class="" title="Risk ratings" role="menuitem"><span>Risk ratings</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li><li><a href="/smoothed-investments/with-profits" target="_self" class="" title="With-Profits" role="menuitem"><span>With-Profits</span></a></li><li><a href="/smoothed-investments/adviser-investment-centre" target="_self" class="" title="Adviser Investment Centre" role="menuitem"><span>Adviser Investment Centre</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= Platform Services</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/platform-services" target="_self" class="" title="LV= Platform Services" role="menuitem"><span>LV= Platform Services</span><span class="updated">Updated</span></a></li><li><a href="/platform-services/isa-portfolio" target="_self" class="" title="ISA Portfolio" role="menuitem"><span>ISA Portfolio</span></a></li><li><a href="/platform-services/junior-isa-portfolio" target="_self" class="" title="Junior ISA Portfolio" role="menuitem"><span>Junior ISA Portfolio</span><span class="new">New</span></a></li><li><a href="/platform-services/pension-portfolio" target="_self" class="" title="Pension Portfolio" role="menuitem"><span>Pension Portfolio</span></a></li><li><a href="/platform-services/general-investment-account" target="_self" class="" title="General Investment Account" role="menuitem"><span>General Investment Account</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher" target="_blank" class="" title="Quote and apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= ISA</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/isa" target="_self" class="" title="LV= ISA" role="menuitem"><span>LV= ISA</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote and apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Smoothed Bond (Onshore)</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/smoothed-bond" target="_self" class="" title="Smoothed Bond (Onshore)" role="menuitem"><span>Smoothed Bond (Onshore)</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/ " target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Smoothed Pension</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/smoothed-pension" target="_self" class="" title="Smoothed Pension" role="menuitem"><span>Smoothed Pension</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>LV= TIP</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/smoothed-investments/tip" target="_self" class="" title="LV= TIP" role="menuitem"><span>LV= TIP</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool" target="_blank" class="" title="TIP valuation" role="menuitem"><span>LV= TIP valuation</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/pensions" target="_self" class="" title="Retirement" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Retirement</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Pensions</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/pensions" target="_self" class="" title="Our pension offering" role="menuitem"><span>Our pension offering</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://portal.lvadviser.com/" target="_blank" class="" title="Servicing" role="menuitem"><span>Servicing</span></a></li><li><a href="/pensions/core-options" target="_self" class="" title="Personal pension (core)" role="menuitem"><span>Core options (LV= SIPP)</span></a></li><li><a href="/pensions/partner-and-extended-options" target="_self" class="" title="SIPP (selected and extended)" role="menuitem"><span>Selected Partner and Extended options (LV= SIPP)</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Guaranteed Income Solutions</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/guaranteed-income-solutions/fixed-term-annuity" target="_self" class="" title="LV= Fixed Term Annuity" role="menuitem"><span>LV= Fixed Term Annuity</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment" target="_self" class="" title="LV= Fixed Term Investment" role="menuitem"><span>LV= Fixed Term Investment</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://portal.lvadviser.com/quote/#/quotes/create/" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown" target="_self" class="" title="Guaranteed Income Drawdown" role="menuitem"><span>Guaranteed Income Drawdown</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/personal-protection" target="_self" class="" title="Protection" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Personal Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/personal-protection" target="_self" class="" title="Personal Protection" role="menuitem"><span>Personal Protection</span></a></li><li><a href="/personal-protection/income-protection" target="_self" class="" title="Income Protection" role="menuitem"><span>Income Protection</span></a></li><li><a href="/personal-protection/life-and-critical-illness" target="_self" class="" title="Life and Critical Illness" role="menuitem"><span>Life and Critical Illness</span></a></li><li><a href="/personal-protection/life-protection" target="_self" class="" title="Life Protection" role="menuitem"><span>Life Protection</span></a></li><li><a href="/personal-protection/personal-sick-pay" target="_self" class="" title="Personal Sick Pay" role="menuitem"><span>Personal Sick Pay</span></a></li><li><a href="/personal-protection/family-income-benefit" target="_self" class="" title="Family Income Benefit" role="menuitem"><span>Family Income Benefit</span></a></li><li><a href="/personal-protection/gift-inter-vivos" target="_self" class="" title="Gift Inter Vivos" role="menuitem"><span>Gift Inter Vivos</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/personal-protection/flexible-protection-plan" target="_self" class="" title="Flexible Protection Plan" role="menuitem"><span>Flexible Protection Plan</span></a></li><li><a href="/personal-protection/income-protection-solutions" target="_self" class="" title="Income Protection Solutions" role="menuitem"><span>Income Protection Solutions</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub" target="_blank" class="" title="Protection Progress Hub" role="menuitem"><span>Protection Progress Hub</span></a></li><li><a href="/online-services/fastway/pre-uw-tool" target="_self" class="" title="Pre-underwriting tool" role="menuitem"><span>Pre-underwriting tool</span></a></li><li><a href="/online-services/personal-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/personal-protection/why-income-protection" target="_self" class="" title="Why Income Protection" role="menuitem"><span>Why Income Protection</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Business Protection</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/business-protection" target="_self" class="" title="Business Protection" role="menuitem"><span>Business Protection</span></a></li><li><a href="/business-protection/relevant-life-cover" target="_self" class="" title="Relevant Life Cover" role="menuitem"><span>Relevant Life Cover</span></a></li><li><a href="/business-protection/key-person-cover" target="_self" class="" title="Key Person Cover" role="menuitem"><span>Key Person Cover</span></a></li><li><a href="/business-protection/share-and-partnership-protection" target="_self" class="" title="Share &amp; Partnership Protection" role="menuitem"><span>Share &amp; Partnership Protection</span></a></li><li><a href="/business-protection/executive-income-protection" target="_self" class="" title="Executive Income Protection" role="menuitem"><span>Executive Income Protection</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi" target="_blank" class="" title="Quote &amp; apply" role="menuitem"><span>Quote &amp; apply</span></a></li><li><a href="/online-services/business-protection-tools-and-calculators" target="_self" class="" title="Tools &amp; calculators" role="menuitem"><span>Tools &amp; calculators</span></a></li><li><a href="/business-protection/trusts" target="_self" class="" title="Business Protection &amp; Trusts" role="menuitem"><span>Business Protection &amp; Trusts</span></a></li><li><a href="/business-protection/tax-treatment" target="_self" class="" title="Tax treatment" role="menuitem"><span>Tax treatment</span></a></li><li><a href="/business-protection/business-protection-guide" target="_self" class="" title="Guide to Business Protection" role="menuitem"><span>Guide to Business Protection</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Equity Release</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Products</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Products</h3><ul class="children"><li><a href="/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum" target="_self" class="" title="Lifetime Mortgage Lump Sum Plus" role="menuitem"><span>Lifetime Mortgage Lump Sum Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown" target="_self" class="" title="Lifetime Mortgage Drawdown Plus" role="menuitem"><span>Lifetime Mortgage Drawdown Plus</span></a></li><li><a href="/equity-release/lifetime-mortgage-lump-sum-lifestyle" target="_self" class="" title="Lifetime Mortgage Lump Sum Lifestyle" role="menuitem"><span>Lifetime Mortgage Lump Sum Lifestyle</span></a></li><li><a href="/equity-release/lifetime-mortgage-drawdown-lifestyle" target="_self" class="" title="Lifetime Mortgage Drawdown Lifestyle" role="menuitem"><span>Lifetime Mortgage Drawdown Lifestyle</span></a></li></ul></li><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/contact-us/equity-release" target="_self" class="" title="Contact us" role="menuitem"><span>Contact us</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Resources</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Resources</h3><ul class="children"><li><a href="/online-services/equity-release-portal" target="_self" class="" title="Equity Release Portal" role="menuitem"><span>Equity Release Portal</span></a></li><li><a href="/online-services/equity-release-portal/faqs" target="_self" class="" title="Equity Release Portal FAQs" role="menuitem"><span>Equity Release Portal FAQs</span></a></li><li><a href="/equity-release/adviser-marketing-hub" target="_self" class="" title="Adviser Marketing Hub" role="menuitem"><span>Adviser Marketing Hub</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library/equity-release" target="_self" class="" title="Equity Release videos and webinars" role="menuitem"><span>Equity Release videos and webinars</span></a></li><li><a href="/equity-release/early-repayment-calculator" target="_self" class="" title="Lifetime Mortgage Early Repayment Calculator" role="menuitem"><span>Lifetime Mortgage Early Repayment Calculator</span></a></li><li><a href="/equity-release/lifetime-mortgages-updates" target="_self" class="" title="Lifetime mortgages updates" role="menuitem"><span>Lifetime mortgages updates</span></a></li><li><a href="/equity-release/equity-release-council" target="_self" class="" title="Equity Release Council" role="menuitem"><span>Equity Release Council</span></a></li></ul></li><li><h3 class="section-heading">Supporting your client</h3><ul class="children"><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li></ul></li></ul></div></li></ul></div></li><li class="has-sub"><a href="/supporting-you" target="_self" class="" title="Support" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Support</span><span class="icon-arrow"></span></a><div class="subnav level1"><ul><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Knowledge centre</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/knowledge-centre" target="_self" class="" title="Knowledge centre" role="menuitem"><span>Knowledge centre</span></a></li><li><a href="/knowledge-centre/video-and-webinar-library" target="_self" class="" title="Video and webinar library" role="menuitem"><span>Video and webinar library</span></a></li><li><a href="/knowledge-centre/protection-webinar-calendar" target="_self" class="" title="Protection webinar calendar" role="menuitem"><span>Protection webinar calendar</span></a></li><li><a href="/knowledge-centre/news-hub" target="_self" class="" title="News hub" role="menuitem"><span>News hub</span></a></li><li><a href="/knowledge-centre/article-library" target="_self" class="" title="Article library" role="menuitem"><span>Article library</span></a></li><li><a href="/knowledge-centre/fuel-for-life" target="_self" class="" title="Fuel for Life" role="menuitem"><span>Fuel for Life</span></a></li><li><a href="/knowledge-centre/reaching-resilience" target="_self" class="" title="Reaching Resilience" role="menuitem"><span>Reaching Resilience</span></a></li><li><a href="/knowledge-centre/technical-hub" target="_self" class="" title="Technical Hub" role="menuitem"><span>Technical Hub</span></a></li><li><a href="/pensions/tax-year-end" target="_self" class="" title="Tax year end" role="menuitem"><span>Tax year end</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Claims</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/claims" target="_self" class="" title="Claims" role="menuitem"><span>Claims</span></a></li><li><a href="/supporting-you/claims/our-claims-approach" target="_self" class="" title="Our approach to claims" role="menuitem"><span>Our approach to claims</span></a></li><li><a href="/supporting-you/claims/real-stories" target="_self" class="" title="Real stories" role="menuitem"><span>Real stories</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Protection underwriting</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/protection-underwriting" target="_self" class="" title="Protection underwriting" role="menuitem"><span>Protection underwriting</span></a></li><li><a href="/supporting-you/protection-underwriting/misrepresentation" target="_self" class="" title="Underwriting misrepresentation" role="menuitem"><span>Underwriting misrepresentation</span></a></li></ul></li></ul></div></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Trusts</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/trusts" target="_self" class="" title="Trusts" role="menuitem"><span>Trusts</span></a></li><li><a href="/supporting-you/trusts/types-of-trust" target="_self" class="" title="Types of trusts" role="menuitem"><span>Types of trusts</span></a></li><li><a href="/supporting-you/trusts/trs" target="_self" class="" title="Trust Registration Service - FAQs" role="menuitem"><span>Trust Registration Service - FAQs</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/protection-large-case-team" target="_self" class=" " title="Protection large case team" role="menuitem"><span>Protection large case team</span></a></li><li class=""><a href="/supporting-you/vulnerable-customers" target="_self" class=" " title="Vulnerable customers" role="menuitem"><span>Vulnerable customers</span></a></li><li class=""><a href="/supporting-you/suitability-letter-builder" target="_self" class=" " title="Suitability letter builder" role="menuitem"><span>Suitability letter builder</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Portals and integration</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">Overview</h3><ul class="children"><li><a href="/adviser-portal" target="_self" class="" title="Savings and Retirement Adviser Portal" role="menuitem"><span>Savings and Retirement Adviser Portal</span></a></li><li><a href="/online-services" target="_self" class="" title="Online services" role="menuitem"><span>Online services</span></a></li><li><a href="/online-services/portals" target="_self" class="" title="Third party portals" role="menuitem"><span>Third party portals</span></a></li><li><a href="/online-services/integration" target="_self" class="" title="Back office integration" role="menuitem"><span>Back office integration</span><span class="new">New</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-you/setting-up-an-agency" target="_self" class=" " title="Setting up an Agency" role="menuitem"><span>Setting up an Agency</span></a></li><li class=""><a href="/supporting-you/lv-news" target="_self" class=" " title="Our future plans" role="menuitem"><span>LV= news</span></a></li><li class=""><a class="has-sub " role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Consumer Duty</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-you/consumer-duty-hub" target="_self" class="" title="Consumer Duty" role="menuitem"><span>Consumer Duty</span></a></li><li><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class="" title="Protection" role="menuitem"><span>Protection</span></a></li><li><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class="" title="Savings and Retirement" role="menuitem"><span>Savings and Retirement</span></a></li><li><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class="" title="Equity Release" role="menuitem"><span>Equity Release</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/why-lv" target="_self" class="has-sub " title="Why LV=" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Why LV=</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/why-lv" target="_self" class="" title="Why LV=" role="menuitem"><span>Why LV=</span></a></li><li><a href="/supporting-your-client/why-lv/mutual-bonus" target="_self" class="" title="Mutual bonus" role="menuitem"><span>Mutual bonus</span></a></li><li><a href="/supporting-your-client/why-lv/lv-difference" target="_self" class="" title="Exit bonus" role="menuitem"><span>One-off bonus</span></a></li><li><a href="/supporting-your-client/why-lv/our-awards" target="_self" class="" title="Our awards" role="menuitem"><span>Our awards</span></a></li></ul></li></ul></div></li><li class=""><a href="/supporting-your-client/member-benefits" target="_self" class="has-sub " title="Member benefits" role="menuitem" aria-expanded="false" aria-haspopup="true"><span>Member benefits</span><span class="icon-arrow"></span></a><div class="subnav level2"><ul><li><h3 class="section-heading">More</h3><ul class="children"><li><a href="/supporting-your-client/member-benefits" target="_self" class="" title="Member benefits" role="menuitem"><span>Member benefits</span></a></li><li><a href="/supporting-your-client/member-benefits/legal-advice" target="_self" class="" title="Legal Advice Line" role="menuitem"><span>Legal Advice Line</span></a></li><li><a href="/supporting-your-client/doctors-services" target="_self" class="" title="LV= Doctor Services" role="menuitem"><span>LV= Doctor Services</span></a></li><li><a href="/supporting-your-client/care-navigator" target="_self" class="" title="Care navigator" role="menuitem"><span>Care navigator</span></a></li></ul></li></ul></div></li></ul></div></li><li class="doc-library"><a href="/document-library" target="_self" class="" title="Document Library" role="menuitem"><span>Document Library</span><span class="icon-arrow"></span></a></li></ul></div></div><div class="product-nav hide-left"><ul><li class=" heading"><a href="/supporting-you/consumer-duty-hub" target="_self" class=" textlink" title="Consumer Duty hub">Consumer Duty hub</a></li><li class="active "><a href="/supporting-you/consumer-duty-hub/protection" target="_self" class=" textlink" title="Protection resources">Protection resources</a></li><li class=" "><a href="/supporting-you/consumer-duty-hub/savings-and-retirement" target="_self" class=" textlink" title="Savings and retirement resources">Savings and retirement resources</a></li><li class=" "><a href="/supporting-you/consumer-duty-hub/equity-release" target="_self" class=" textlink" title="Equity release resources">Equity release resources</a></li></ul></div><span id="skipnav" class="sr-only"></span></div></div>
<script>LVSiteConfigs.components.data.push({"name":"header","reactName":"Athena.header","id":"8281353d-9745-4471-b2a9-1e09d90e9d0d","type":"dynamic","props":{"logo":{"src":"/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png","alt":"LV= Adviser Centre for Intermediaries","url":"https://www.lvadviser.com","target":"_self","html":null,"isEditMode":false},"partnerLogo":{"image":null},"backToLabel":"Back To","backToMainLabel":"Back To Main","skipNavLabel":"SkipNav","newLabel":"New","updatedLabel":"Updated","searchInput":{"label":"Search","type":"h2","defaultText":"Enter search term","ariaLabel":"","error":{"empty":"Please enter search term"}},"closeText":"Close","topNav":[{"type":"contact","link":{"Id":null,"Rel":null,"url":"/contact-us","label":"Contact us","html":"<a href=\"/contact-us\">Contact us</a>","target":"_self"}},{"type":"search","link":{"Id":null,"Rel":null,"url":"/search","label":"Search","html":"<a href=\"/search\">Search</a>","target":"_self"}}],"guestState":[{"link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/applications#login","label":"Login","html":"<a href=\"https://www.lvadviser.com/applications#login\">Login</a>","target":"_self"},"type":"login"},{"link":{"Id":null,"Rel":null,"url":"https://secwsgw.lv.com/adviser/registration","label":"Register","html":"<a href=\"https://secwsgw.lv.com/adviser/registration\">Register</a>","target":"_self"},"type":"register"}],"loggedInState":[{"link":{"Id":null,"Rel":null,"url":"/service/authentication/adviser/logout","label":"Logout","html":"<a href=\"/service/authentication/adviser/logout\">Logout</a>","target":"_self"},"type":"logout"},{"link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/myDetails","label":"User details","html":"<a href=\"https://portal.lvadviser.com/myDetails\" target=\"_blank\">User details</a>","target":"_blank"},"type":"profile"}],"mainNav":[{"label":"Platform and Investments","link":{"Id":null,"Rel":null,"url":"/smoothed-investments","label":"Platform and Investments","html":"<a href=\"/smoothed-investments\">Platform and Investments</a>","target":"_self"},"subNav":[{"label":"Smoothed Managed Funds","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Managed Funds","link":{"Id":null,"Rel":null,"url":"/smoothed-investments","label":"Smoothed Managed Funds","html":"<a href=\"/smoothed-investments\">Smoothed Managed Funds</a>","target":"_self"},"heading":false,"status":""},{"label":"Smoothing explained","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothing","label":"Smoothing explained","html":"<a href=\"/smoothed-investments/smoothing\">Smoothing explained</a>","target":"_self"},"heading":false,"status":""},{"label":"Fund management","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/fund-management","label":"Fund management","html":"<a href=\"/smoothed-investments/fund-management\">Fund management</a>","target":"_self"},"heading":false,"status":""},{"label":"Risk ratings","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/fund-management/risk-ratings","label":"Risk ratings","html":"<a href=\"/smoothed-investments/fund-management/risk-ratings\">Risk ratings</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""},{"label":"With-Profits","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/with-profits","label":"With-Profits","html":"<a href=\"/smoothed-investments/with-profits\">With-Profits</a>","target":"_self"},"heading":false,"status":""},{"label":"Adviser Investment Centre","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/adviser-investment-centre","label":"Adviser Investment Centre","html":"<a href=\"/smoothed-investments/adviser-investment-centre\">Adviser Investment Centre</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"LV= Platform Services","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= Platform Services","link":{"Id":null,"Rel":null,"url":"/platform-services","label":"LV= Platform Services","html":"<a href=\"/platform-services\">LV= Platform Services</a>","target":"_self"},"heading":false,"status":"Updated"},{"label":"ISA Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/isa-portfolio","label":"ISA Portfolio","html":"<a href=\"/platform-services/isa-portfolio\">ISA Portfolio</a>","target":"_self"},"heading":false,"status":""},{"label":"Junior ISA Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/junior-isa-portfolio","label":"Junior ISA Portfolio","html":"<a href=\"/platform-services/junior-isa-portfolio\">Junior ISA Portfolio</a>","target":"_self"},"heading":false,"status":"New"},{"label":"Pension Portfolio","link":{"Id":null,"Rel":null,"url":"/platform-services/pension-portfolio","label":"Pension Portfolio","html":"<a href=\"/platform-services/pension-portfolio\">Pension Portfolio</a>","target":"_self"},"heading":false,"status":""},{"label":"General Investment Account","link":{"Id":null,"Rel":null,"url":"/platform-services/general-investment-account","label":"General Investment Account","html":"<a href=\"/platform-services/general-investment-account\">General Investment Account</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher","label":"Quote and apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher\" target=\"_blank\">Quote and apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher","label":"Servicing","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"LV= ISA","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= ISA","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/isa","label":"LV= ISA","html":"<a href=\"/smoothed-investments/isa\">LV= ISA</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote and apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote and apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"Smoothed Bond (Onshore)","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Bond (Onshore)","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothed-bond","label":"Smoothed Bond (Onshore)","html":"<a href=\"/smoothed-investments/smoothed-bond\">Smoothed Bond (Onshore)</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/ ","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/ \" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"Smoothed Pension","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Smoothed Pension","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/smoothed-pension","label":"Smoothed Pension","html":"<a href=\"/smoothed-investments/smoothed-pension\">Smoothed Pension</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""}]}]},{"label":"LV= TIP","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"LV= TIP","link":{"Id":null,"Rel":null,"url":"/smoothed-investments/tip","label":"LV= TIP","html":"<a href=\"/smoothed-investments/tip\">LV= TIP</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"LV= TIP valuation","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool","label":"TIP valuation","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=isa-bond-valuation-tool\" target=\"_blank\">TIP valuation</a>","target":"_blank"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Retirement","link":{"Id":null,"Rel":null,"url":"/pensions","label":"Retirement","html":"<a href=\"/pensions\">Retirement</a>","target":"_self"},"subNav":[{"label":"Pensions","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Our pension offering","link":{"Id":null,"Rel":null,"url":"/pensions","label":"Our pension offering","html":"<a href=\"/pensions\">Our pension offering</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Servicing","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/","label":"Servicing","html":"<a href=\"https://portal.lvadviser.com/\" target=\"_blank\">Servicing</a>","target":"_blank"},"heading":false,"status":""},{"label":"Core options (LV= SIPP)","link":{"Id":null,"Rel":null,"url":"/pensions/core-options","label":"Personal pension (core)","html":"<a href=\"/pensions/core-options\">Personal pension (core)</a>","target":"_self"},"heading":false,"status":""},{"label":"Selected Partner and Extended options (LV= SIPP)","link":{"Id":null,"Rel":null,"url":"/pensions/partner-and-extended-options","label":"SIPP (selected and extended)","html":"<a href=\"/pensions/partner-and-extended-options\">SIPP (selected and extended)</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Guaranteed Income Solutions","link":null,"subNav":[{"label":"Products","navItems":[{"label":"LV= Fixed Term Annuity","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-annuity","label":"LV= Fixed Term Annuity","html":"<a href=\"/guaranteed-income-solutions/fixed-term-annuity\">LV= Fixed Term Annuity</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Fixed Term Investment","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-investment","label":"LV= Fixed Term Investment","html":"<a href=\"/guaranteed-income-solutions/fixed-term-investment\">LV= Fixed Term Investment</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://portal.lvadviser.com/quote/#/quotes/create/","label":"Quote & apply","html":"<a href=\"https://portal.lvadviser.com/quote/#/quotes/create/\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Guaranteed Income Drawdown","link":{"Id":null,"Rel":null,"url":"/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown","label":"Guaranteed Income Drawdown","html":"<a href=\"/guaranteed-income-solutions/fixed-term-investment/guaranteed-income-drawdown\">Guaranteed Income Drawdown</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection","label":"Protection","html":"<a href=\"/personal-protection\">Protection</a>","target":"_self"},"subNav":[{"label":"Personal Protection","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Personal Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection","label":"Personal Protection","html":"<a href=\"/personal-protection\">Personal Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Income Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/income-protection","label":"Income Protection","html":"<a href=\"/personal-protection/income-protection\">Income Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Life and Critical Illness","link":{"Id":null,"Rel":null,"url":"/personal-protection/life-and-critical-illness","label":"Life and Critical Illness","html":"<a href=\"/personal-protection/life-and-critical-illness\">Life and Critical Illness</a>","target":"_self"},"heading":false,"status":""},{"label":"Life Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/life-protection","label":"Life Protection","html":"<a href=\"/personal-protection/life-protection\">Life Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Personal Sick Pay","link":{"Id":null,"Rel":null,"url":"/personal-protection/personal-sick-pay","label":"Personal Sick Pay","html":"<a href=\"/personal-protection/personal-sick-pay\">Personal Sick Pay</a>","target":"_self"},"heading":false,"status":""},{"label":"Family Income Benefit","link":{"Id":null,"Rel":null,"url":"/personal-protection/family-income-benefit","label":"Family Income Benefit","html":"<a href=\"/personal-protection/family-income-benefit\">Family Income Benefit</a>","target":"_self"},"heading":false,"status":""},{"label":"Gift Inter Vivos","link":{"Id":null,"Rel":null,"url":"/personal-protection/gift-inter-vivos","label":"Gift Inter Vivos","html":"<a href=\"/personal-protection/gift-inter-vivos\">Gift Inter Vivos</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Flexible Protection Plan","link":{"Id":null,"Rel":null,"url":"/personal-protection/flexible-protection-plan","label":"Flexible Protection Plan","html":"<a href=\"/personal-protection/flexible-protection-plan\">Flexible Protection Plan</a>","target":"_self"},"heading":false,"status":""},{"label":"Income Protection Solutions","link":{"Id":null,"Rel":null,"url":"/personal-protection/income-protection-solutions","label":"Income Protection Solutions","html":"<a href=\"/personal-protection/income-protection-solutions\">Income Protection Solutions</a>","target":"_self"},"heading":false,"status":""},{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Quote & apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Protection Progress Hub","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub","label":"Protection Progress Hub","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=protection-progress-hub\" target=\"_blank\">Protection Progress Hub</a>","target":"_blank"},"heading":false,"status":""},{"label":"Pre-underwriting tool","link":{"Id":null,"Rel":null,"url":"/online-services/fastway/pre-uw-tool","label":"Pre-underwriting tool","html":"<a href=\"/online-services/fastway/pre-uw-tool\">Pre-underwriting tool</a>","target":"_self"},"heading":false,"status":""},{"label":"Tools &amp; calculators","link":{"Id":null,"Rel":null,"url":"/online-services/personal-protection-tools-and-calculators","label":"Tools & calculators","html":"<a href=\"/online-services/personal-protection-tools-and-calculators\">Tools & calculators</a>","target":"_self"},"heading":false,"status":""},{"label":"Why Income Protection","link":{"Id":null,"Rel":null,"url":"/personal-protection/why-income-protection","label":"Why Income Protection","html":"<a href=\"/personal-protection/why-income-protection\">Why Income Protection</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Business Protection","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Business Protection","link":{"Id":null,"Rel":null,"url":"/business-protection","label":"Business Protection","html":"<a href=\"/business-protection\">Business Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Relevant Life Cover","link":{"Id":null,"Rel":null,"url":"/business-protection/relevant-life-cover","label":"Relevant Life Cover","html":"<a href=\"/business-protection/relevant-life-cover\">Relevant Life Cover</a>","target":"_self"},"heading":false,"status":""},{"label":"Key Person Cover","link":{"Id":null,"Rel":null,"url":"/business-protection/key-person-cover","label":"Key Person Cover","html":"<a href=\"/business-protection/key-person-cover\">Key Person Cover</a>","target":"_self"},"heading":false,"status":""},{"label":"Share &amp; Partnership Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/share-and-partnership-protection","label":"Share & Partnership Protection","html":"<a href=\"/business-protection/share-and-partnership-protection\">Share & Partnership Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Executive Income Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/executive-income-protection","label":"Executive Income Protection","html":"<a href=\"/business-protection/executive-income-protection\">Executive Income Protection</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Quote &amp; apply","link":{"Id":null,"Rel":null,"url":"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi","label":"Quote & apply","html":"<a href=\"https://www.lvadviser.com/service/launchers/adviser/executelauncher?launcher=fpp-quote-multi\" target=\"_blank\">Quote & apply</a>","target":"_blank"},"heading":false,"status":""},{"label":"Tools &amp; calculators","link":{"Id":null,"Rel":null,"url":"/online-services/business-protection-tools-and-calculators","label":"Tools & calculators","html":"<a href=\"/online-services/business-protection-tools-and-calculators\">Tools & calculators</a>","target":"_self"},"heading":false,"status":""},{"label":"Business Protection &amp; Trusts","link":{"Id":null,"Rel":null,"url":"/business-protection/trusts","label":"Business Protection & Trusts","html":"<a href=\"/business-protection/trusts\">Business Protection & Trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Tax treatment","link":{"Id":null,"Rel":null,"url":"/business-protection/tax-treatment","label":"Tax treatment","html":"<a href=\"/business-protection/tax-treatment\">Tax treatment</a>","target":"_self"},"heading":false,"status":""},{"label":"Guide to Business Protection","link":{"Id":null,"Rel":null,"url":"/business-protection/business-protection-guide","label":"Guide to Business Protection","html":"<a href=\"/business-protection/business-protection-guide\">Guide to Business Protection</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":"<a href=\"/equity-release\">Equity Release</a>","target":"_self"},"subNav":[{"label":"Products","link":null,"subNav":[{"label":"Products","navItems":[{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/equity-release","label":"Equity Release","html":"<a href=\"/equity-release\">Equity Release</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Lump Sum Plus","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum","label":"Lifetime Mortgage Lump Sum Plus","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum\">Lifetime Mortgage Lump Sum Plus</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Drawdown Plus","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-drawdown","label":"Lifetime Mortgage Drawdown Plus","html":"<a href=\"/equity-release/lifetime-mortgage-drawdown\">Lifetime Mortgage Drawdown Plus</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Lump Sum Lifestyle","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-lump-sum-lifestyle","label":"Lifetime Mortgage Lump Sum Lifestyle","html":"<a href=\"/equity-release/lifetime-mortgage-lump-sum-lifestyle\">Lifetime Mortgage Lump Sum Lifestyle</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Drawdown Lifestyle","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgage-drawdown-lifestyle","label":"Lifetime Mortgage Drawdown Lifestyle","html":"<a href=\"/equity-release/lifetime-mortgage-drawdown-lifestyle\">Lifetime Mortgage Drawdown Lifestyle</a>","target":"_self"},"heading":false,"status":""}]},{"label":"More","navItems":[{"label":"Contact us","link":{"Id":null,"Rel":null,"url":"/contact-us/equity-release","label":"Contact us","html":"<a href=\"/contact-us/equity-release\">Contact us</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Resources","link":null,"subNav":[{"label":"Resources","navItems":[{"label":"Equity Release Portal","link":{"Id":null,"Rel":null,"url":"/online-services/equity-release-portal","label":"Equity Release Portal","html":"<a href=\"/online-services/equity-release-portal\">Equity Release Portal</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release Portal FAQs","link":{"Id":null,"Rel":null,"url":"/online-services/equity-release-portal/faqs","label":"Equity Release Portal FAQs","html":"<a href=\"/online-services/equity-release-portal/faqs\">Equity Release Portal FAQs</a>","target":"_self"},"heading":false,"status":""},{"label":"Adviser Marketing Hub","link":{"Id":null,"Rel":null,"url":"/equity-release/adviser-marketing-hub","label":"Adviser Marketing Hub","html":"<a href=\"/equity-release/adviser-marketing-hub\">Adviser Marketing Hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release videos and webinars","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/video-and-webinar-library/equity-release","label":"Equity Release videos and webinars","html":"<a href=\"/knowledge-centre/video-and-webinar-library/equity-release\">Equity Release videos and webinars</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime Mortgage Early Repayment Calculator","link":{"Id":null,"Rel":null,"url":"/equity-release/early-repayment-calculator","label":"Lifetime Mortgage Early Repayment Calculator","html":"<a href=\"/equity-release/early-repayment-calculator\">Lifetime Mortgage Early Repayment Calculator</a>","target":"_self"},"heading":false,"status":""},{"label":"Lifetime mortgages updates","link":{"Id":null,"Rel":null,"url":"/equity-release/lifetime-mortgages-updates","label":"Lifetime mortgages updates","html":"<a href=\"/equity-release/lifetime-mortgages-updates\">Lifetime mortgages updates</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release Council","link":{"Id":null,"Rel":null,"url":"/equity-release/equity-release-council","label":"Equity Release Council","html":"<a href=\"/equity-release/equity-release-council\">Equity Release Council</a>","target":"_self"},"heading":false,"status":""}]},{"label":"Supporting your client","navItems":[{"label":"Care navigator","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/care-navigator","label":"Care navigator","html":"<a href=\"/supporting-your-client/care-navigator\">Care navigator</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Doctor Services","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/doctors-services","label":"LV= Doctor Services","html":"<a href=\"/supporting-your-client/doctors-services\">LV= Doctor Services</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""},{"label":"Support","link":{"Id":null,"Rel":null,"url":"/supporting-you","label":"Support","html":"<a href=\"/supporting-you\">Support</a>","target":"_self"},"subNav":[{"label":"Knowledge centre","link":null,"subNav":[{"label":"More","navItems":[{"label":"Knowledge centre","link":{"Id":null,"Rel":null,"url":"/knowledge-centre","label":"Knowledge centre","html":"<a href=\"/knowledge-centre\">Knowledge centre</a>","target":"_self"},"heading":false,"status":""},{"label":"Video and webinar library","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/video-and-webinar-library","label":"Video and webinar library","html":"<a href=\"/knowledge-centre/video-and-webinar-library\">Video and webinar library</a>","target":"_self"},"heading":false,"status":""},{"label":"Protection webinar calendar","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/protection-webinar-calendar","label":"Protection webinar calendar","html":"<a href=\"/knowledge-centre/protection-webinar-calendar\">Protection webinar calendar</a>","target":"_self"},"heading":false,"status":""},{"label":"News hub","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/news-hub","label":"News hub","html":"<a href=\"/knowledge-centre/news-hub\">News hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Article library","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/article-library","label":"Article library","html":"<a href=\"/knowledge-centre/article-library\">Article library</a>","target":"_self"},"heading":false,"status":""},{"label":"Fuel for Life","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/fuel-for-life","label":"Fuel for Life","html":"<a href=\"/knowledge-centre/fuel-for-life\">Fuel for Life</a>","target":"_self"},"heading":false,"status":""},{"label":"Reaching Resilience","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/reaching-resilience","label":"Reaching Resilience","html":"<a href=\"/knowledge-centre/reaching-resilience\">Reaching Resilience</a>","target":"_self"},"heading":false,"status":""},{"label":"Technical Hub","link":{"Id":null,"Rel":null,"url":"/knowledge-centre/technical-hub","label":"Technical Hub","html":"<a href=\"/knowledge-centre/technical-hub\">Technical Hub</a>","target":"_self"},"heading":false,"status":""},{"label":"Tax year end","link":{"Id":null,"Rel":null,"url":"/pensions/tax-year-end","label":"Tax year end","html":"<a href=\"/pensions/tax-year-end\">Tax year end</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Claims","link":null,"subNav":[{"label":"More","navItems":[{"label":"Claims","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims","label":"Claims","html":"<a href=\"/supporting-you/claims\">Claims</a>","target":"_self"},"heading":false,"status":""},{"label":"Our approach to claims","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims/our-claims-approach","label":"Our approach to claims","html":"<a href=\"/supporting-you/claims/our-claims-approach\">Our approach to claims</a>","target":"_self"},"heading":false,"status":""},{"label":"Real stories","link":{"Id":null,"Rel":null,"url":"/supporting-you/claims/real-stories","label":"Real stories","html":"<a href=\"/supporting-you/claims/real-stories\">Real stories</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"Protection underwriting","link":null,"subNav":[{"label":"More","navItems":[{"label":"Protection underwriting","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-underwriting","label":"Protection underwriting","html":"<a href=\"/supporting-you/protection-underwriting\">Protection underwriting</a>","target":"_self"},"heading":false,"status":""},{"label":"Underwriting misrepresentation","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-underwriting/misrepresentation","label":"Underwriting misrepresentation","html":"<a href=\"/supporting-you/protection-underwriting/misrepresentation\">Underwriting misrepresentation</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Trusts","link":null,"subNav":[{"label":"More","navItems":[{"label":"Trusts","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts","label":"Trusts","html":"<a href=\"/supporting-you/trusts\">Trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Types of trusts","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts/types-of-trust","label":"Types of trusts","html":"<a href=\"/supporting-you/trusts/types-of-trust\">Types of trusts</a>","target":"_self"},"heading":false,"status":""},{"label":"Trust Registration Service - FAQs","link":{"Id":null,"Rel":null,"url":"/supporting-you/trusts/trs","label":"Trust Registration Service - FAQs","html":"<a href=\"/supporting-you/trusts/trs\">Trust Registration Service - FAQs</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Protection large case team","link":{"Id":null,"Rel":null,"url":"/supporting-you/protection-large-case-team","label":"Protection large case team","html":"<a href=\"/supporting-you/protection-large-case-team\">Protection large case team</a>","target":"_self"},"subNav":[]},{"label":"Vulnerable customers","link":{"Id":null,"Rel":null,"url":"/supporting-you/vulnerable-customers","label":"Vulnerable customers","html":"<a href=\"/supporting-you/vulnerable-customers\">Vulnerable customers</a>","target":"_self"},"subNav":[]},{"label":"Suitability letter builder","link":{"Id":null,"Rel":null,"url":"/supporting-you/suitability-letter-builder","label":"Suitability letter builder","html":"<a href=\"/supporting-you/suitability-letter-builder\">Suitability letter builder</a>","target":"_self"},"subNav":[]},{"label":"Portals and integration","link":null,"subNav":[{"label":"Overview","navItems":[{"label":"Savings and Retirement Adviser Portal","link":{"Id":null,"Rel":null,"url":"/adviser-portal","label":"Savings and Retirement Adviser Portal","html":"<a href=\"/adviser-portal\">Savings and Retirement Adviser Portal</a>","target":"_self"},"heading":false,"status":""},{"label":"Online services","link":{"Id":null,"Rel":null,"url":"/online-services","label":"Online services","html":"<a href=\"/online-services\">Online services</a>","target":"_self"},"heading":false,"status":""},{"label":"Third party portals","link":{"Id":null,"Rel":null,"url":"/online-services/portals","label":"Third party portals","html":"<a href=\"/online-services/portals\">Third party portals</a>","target":"_self"},"heading":false,"status":""},{"label":"Back office integration","link":{"Id":null,"Rel":null,"url":"/online-services/integration","label":"Back office integration","html":"<a href=\"/online-services/integration\">Back office integration</a>","target":"_self"},"heading":false,"status":"New"}]}]},{"label":"Setting up an Agency","link":{"Id":null,"Rel":null,"url":"/supporting-you/setting-up-an-agency","label":"Setting up an Agency","html":"<a href=\"/supporting-you/setting-up-an-agency\">Setting up an Agency</a>","target":"_self"},"subNav":[]},{"label":"LV= news","link":{"Id":null,"Rel":null,"url":"/supporting-you/lv-news","label":"Our future plans","html":"<a href=\"/supporting-you/lv-news\">Our future plans</a>","target":"_self"},"subNav":[]},{"label":"Consumer Duty","link":null,"subNav":[{"label":"More","navItems":[{"label":"Consumer Duty","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub","label":"Consumer Duty","html":"<a href=\"/supporting-you/consumer-duty-hub\">Consumer Duty</a>","target":"_self"},"heading":false,"status":""},{"label":"Protection","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/protection","label":"Protection","html":"<a href=\"/supporting-you/consumer-duty-hub/protection\">Protection</a>","target":"_self"},"heading":false,"status":""},{"label":"Savings and Retirement","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/savings-and-retirement","label":"Savings and Retirement","html":"<a href=\"/supporting-you/consumer-duty-hub/savings-and-retirement\">Savings and Retirement</a>","target":"_self"},"heading":false,"status":""},{"label":"Equity Release","link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/equity-release","label":"Equity Release","html":"<a href=\"/supporting-you/consumer-duty-hub/equity-release\">Equity Release</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Why LV=","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv","label":"Why LV=","html":"<a href=\"/supporting-your-client/why-lv\">Why LV=</a>","target":"_self"},"subNav":[{"label":"More","navItems":[{"label":"Why LV=","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv","label":"Why LV=","html":"<a href=\"/supporting-your-client/why-lv\">Why LV=</a>","target":"_self"},"heading":false,"status":""},{"label":"Mutual bonus","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/mutual-bonus","label":"Mutual bonus","html":"<a href=\"/supporting-your-client/why-lv/mutual-bonus\">Mutual bonus</a>","target":"_self"},"heading":false,"status":""},{"label":"One-off bonus","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/lv-difference","label":"Exit bonus","html":"<a href=\"/supporting-your-client/why-lv/lv-difference\">Exit bonus</a>","target":"_self"},"heading":false,"status":""},{"label":"Our awards","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/why-lv/our-awards","label":"Our awards","html":"<a href=\"/supporting-your-client/why-lv/our-awards\">Our awards</a>","target":"_self"},"heading":false,"status":""}]}]},{"label":"Member benefits","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits","label":"Member benefits","html":"<a href=\"/supporting-your-client/member-benefits\">Member benefits</a>","target":"_self"},"subNav":[{"label":"More","navItems":[{"label":"Member benefits","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits","label":"Member benefits","html":"<a href=\"/supporting-your-client/member-benefits\">Member benefits</a>","target":"_self"},"heading":false,"status":""},{"label":"Legal Advice Line","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/member-benefits/legal-advice","label":"Legal Advice Line","html":"<a href=\"/supporting-your-client/member-benefits/legal-advice\">Legal Advice Line</a>","target":"_self"},"heading":false,"status":""},{"label":"LV= Doctor Services","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/doctors-services","label":"LV= Doctor Services","html":"<a href=\"/supporting-your-client/doctors-services\">LV= Doctor Services</a>","target":"_self"},"heading":false,"status":""},{"label":"Care navigator","link":{"Id":null,"Rel":null,"url":"/supporting-your-client/care-navigator","label":"Care navigator","html":"<a href=\"/supporting-your-client/care-navigator\">Care navigator</a>","target":"_self"},"heading":false,"status":""}]}]}],"active":false,"category":""}],"productNav":[{"link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub","label":"Consumer Duty hub","html":null,"target":"_self"},"active":false,"isParent":true},{"link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/protection","label":"Protection resources","html":null,"target":"_self"},"active":true,"isParent":false},{"link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/savings-and-retirement","label":"Savings and retirement resources","html":null,"target":"_self"},"active":false,"isParent":false},{"link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub/equity-release","label":"Equity release resources","html":null,"target":"_self"},"active":false,"isParent":false}],"docLibrary":{"Id":null,"Rel":null,"url":"/document-library","label":"Document Library","html":"<a href=\"/document-library\">Document Library</a>","target":"_self"},"searchLinkText":"Go","userSessionApi":"/service/authentication/adviser/UserB2CSession","errorMessage":"Error","resultsFound":"Suggestions","searchAutoSuggestEndPoint":"/service/search/AutoSuggest","searchResultsPage":"/search"}});</script>
    </div>

        <!--/header-->
        <!--banner-header-->
            <div class="react-component bannerheaderoval" data-name="bannerHeaderOval" data-id="773d0e86-8e2f-405b-a3e9-54a1ff797b49">
        <div id="773d0e86-8e2f-405b-a3e9-54a1ff797b49"><div class="banner-header-oval"><div class="banner-layout"><div class="content-holder"><div class="banner-content"><h1 class="title small-heading">Protection tools, resources and support</h1><h2 class="title h1">Supporting you with <span style="color: #cddc29;">Consumer Duty</span></h2></div></div><div class="media-holder"><div class="mask  vertical "><svg width="88" height="702" version="1.1" x="0px" y="0px" viewBox="0 0 88 702" preserveAspectRatio="xMinYMax"><path class="mask-path" d="M 88 0 C 88 0 -104.097656 308.117188 88 702 L 0 702 L 0 0 Z M 88 0"></path></svg></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"bannerHeaderOval","reactName":"Athena.bannerHeaderOval","id":"773d0e86-8e2f-405b-a3e9-54a1ff797b49","type":"dynamic","props":{"smallHeading":"Protection tools, resources and support","smallHeadingType":"h1","mainHeading":"Supporting you with <span style=\"color: #cddc29;\">Consumer Duty</span>","mainHeadingType":"h2","mainHeadingMobile":"Supporting you with&nbsp;<span style=\"color: #cddc29;\">Consumer Duty</span>","subTextLink":null,"subTextMobile":"","cta":null,"mediaType":"\"\"","image":{"html":"/-/life/media/athena/header-banners/other/customer-duty-hub-hero-1650x640-v2.jpg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=1152&amp;hash=68230C98138A2A9DB6FE00E22B656E8B","editButton":null,"alt":"Man on laptop with couple","renditions":{"0":{"1x":"/-/life/media/athena/header-banners/other/customer-duty-hub-hero-1650x640-v2.jpg?cx=0&amp;cy=0&amp;cw=768&amp;ch=576&amp;hash=8E78E97491FC0A5DF7CAD51446CD26EB","2x":"/-/life/media/athena/header-banners/other/customer-duty-hub-hero-1650x640-v2.jpg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=1152&amp;hash=68230C98138A2A9DB6FE00E22B656E8B"},"769":{"1x":"/-/life/media/athena/header-banners/other/customer-duty-hub-hero-1650x640-v2.jpg?cx=0&amp;cy=0&amp;cw=825&amp;ch=320&amp;hash=BA03A70D0EDE1F034498906936E7CE63","2x":"/-/life/media/athena/header-banners/other/customer-duty-hub-hero-1650x640-v2.jpg?cx=0&amp;cy=0&amp;cw=1650&amp;ch=640&amp;hash=F0B0585A1184358249B4DABA9DB4F20A"}},"dynamicrenditions":null},"gif":null,"video":{"id":"","type":null},"contentAlignment":"left","brandIcon":null,"isEditMode":false,"html":null}});</script>
    </div>

        <!--/banner-header-->
        <!--breadcrumb-->
            <div class="react-component breadcrumb" data-name="breadcrumb" data-id="438c3286-d6dd-4f34-8df1-34b9b8bee344">
        <div id="438c3286-d6dd-4f34-8df1-34b9b8bee344"><div class="breadcrumb-Container"><div class="grid"><li><a href="/" class="breadcrumb-item textlink" title="Home">Home</a></li><span class="icon-arrow"> </span><li><a href="/supporting-you" class="breadcrumb-item textlink" title="Supporting you">Supporting you</a></li><span class="icon-arrow"> </span><li><a href="/supporting-you/consumer-duty-hub" class="breadcrumb-item textlink" title="Consumer Duty hub">Consumer Duty hub</a></li><span class="icon-arrow"> </span><li><a class="breadcrumb-item textlink" title="Protection resources">Protection resources</a></li></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"breadcrumb","reactName":"Athena.breadcrumb","id":"438c3286-d6dd-4f34-8df1-34b9b8bee344","type":"dynamic","props":{"Breadcrumbitems":[{"link":{"Id":null,"Rel":null,"url":"/","label":"Home","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":"/supporting-you","label":"Supporting you","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":"/supporting-you/consumer-duty-hub","label":"Consumer Duty hub","html":null,"target":null}},{"link":{"Id":null,"Rel":null,"url":null,"label":"Protection resources","html":null,"target":null}}]}});</script>
    </div>

        <!--/breadcrumb-->
        <!--Social-->
        
        <!--/breadcrumb-->
        <!--adviserwebchat-->
        
        <!--/adviserwebchat-->
        


<!--standard-->
    <div class="react-component featuredetails" data-name="featureDetails" data-id="3d6eba40-90e4-494c-8602-6eccada9ed55">
        <div id="3d6eba40-90e4-494c-8602-6eccada9ed55"><div id="5e7f8164-f4e9-4b71-889a-f92190416f5b" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid  image-left"><div class="grid content-body order3"><span class="rte description left">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.</span></div></div></div></div></div>
    </div>
    <div class="react-component contentcard" data-name="contentCard" data-id="20f58b77-40f8-40f1-88f6-0d926e48b5aa">
        <div id="20f58b77-40f8-40f1-88f6-0d926e48b5aa"><div id="04c46a67-32a7-4dc2-bec2-3455846e4f41" class="content-card "><div class="heading-title multiple-card"><h2 class="title align-left">Helping you to support your clients in making effective, timely and informed decisions about protection products</h2></div><div class="display-flex "><div class="card-verticle 
                        border00 "><div tabindex="0" class="card flex-class "><div class="image-container"><picture><source srcSet="/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=216&amp;amp;hash=494E9EF8696EB78F705DC0FF0A370BB1 1x,/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=432&amp;amp;hash=4E1B382883DA21F4A5FA88F534EF57D2 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=441&amp;amp;hash=CFAFFF1CEE45E1499AF0F79562046FE3 1x,/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=08835A860B5E5E6BD291A6844F178B42 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=08835A860B5E5E6BD291A6844F178B42" class="fullimgWidth fullimg img-border" alt="Selected completed form document with stack of coins"/></picture></div><div class="content"><h2 class="title card-title">Personalised risk report</h2><span class="rte description"><p>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.</p>
<p><a href="/online-services/risk-reality-calculator" title="More about our Risk Reality Calculator">More about our Risk Reality Calculator</a></p></span><div class="cta-holder"></div></div></div></div><div class="card-verticle 
                        border01 "><div tabindex="0" class="card flex-class "><div class="image-container"><picture><source srcSet="/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=216&amp;amp;hash=1F08CE94F09D6CF893B20F055426FAC8 1x,/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=432&amp;amp;hash=5C4DFE2F1B1AC0299F0FB7D2201E4698 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=441&amp;amp;hash=F4BE201F12320E449205B9E6A3F30B57 1x,/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=5A15DBB9F8A0186A28ED013F828D9806 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=5A15DBB9F8A0186A28ED013F828D9806" class="fullimgWidth fullimg img-border" alt="Laptop with a microphone"/></picture></div><div class="content"><h2 class="title card-title">Protection Webinars</h2><span class="rte description"><p>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.</p>
<p><a href="/knowledge-centre/protection-webinar-calendar" title="View our webinar calendar">View our webinar calendar</a></p></span><div class="cta-holder"></div></div></div></div><div class="card-verticle 
                        border02 "><div tabindex="0" class="card flex-class "><div class="image-container"><picture><source srcSet="/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=216&amp;amp;hash=333581EB1C9881E88B26E501EEEF4F99 1x,/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=432&amp;amp;hash=F3982F4955D1DF789B7676D996F3384A 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=441&amp;amp;hash=EE1FCD8CDD45E1C4FE21E9ADFEBF76E4 1x,/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=24CEB91314AD3B74FCCBD942AE368347 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=24CEB91314AD3B74FCCBD942AE368347" class="fullimgWidth fullimg img-border" alt="Open book"/></picture></div><div class="content"><h2 class="title card-title">Fuel for Life</h2><span class="rte description"><p>Our protection focused digital magazine provides you with the latest news, industry insights and thought leadership - helping you power your protection conversations.</p>
<p><a href="/knowledge-centre/fuel-for-life" title="Read the latest issue of Fuel for Life">Read the latest issue of Fuel for Life</a></p></span><div class="cta-holder"></div></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"contentCard","reactName":"Athena.contentCard","id":"20f58b77-40f8-40f1-88f6-0d926e48b5aa","type":"dynamic","props":{"cardItem":[{"image":{"html":"/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=08835A860B5E5E6BD291A6844F178B42","editButton":null,"alt":"Selected completed form document with stack of coins","renditions":{"0":{"1x":"/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;cy=0&amp;cw=768&amp;ch=441&amp;hash=CFAFFF1CEE45E1499AF0F79562046FE3","2x":"/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=08835A860B5E5E6BD291A6844F178B42"},"769":{"1x":"/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;cy=0&amp;cw=367&amp;ch=216&amp;hash=494E9EF8696EB78F705DC0FF0A370BB1","2x":"/-/life/media/athena/flourishes/large/plan-select-complete-form-360x140-2.svg?cx=0&amp;cy=0&amp;cw=734&amp;ch=432&amp;hash=4E1B382883DA21F4A5FA88F534EF57D2"}},"dynamicrenditions":null},"link":null,"description":"<p>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.</p>\n<p><a href=\"/online-services/risk-reality-calculator\" title=\"More about our Risk Reality Calculator\">More about our Risk Reality Calculator</a></p>","buttonLink":null,"titleHeading":{"label":"Personalised risk report","type":"","url":"","target":"_self"},"html":null},{"image":{"html":"/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=5A15DBB9F8A0186A28ED013F828D9806","editButton":null,"alt":"Laptop with a microphone","renditions":{"0":{"1x":"/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;cy=0&amp;cw=768&amp;ch=441&amp;hash=F4BE201F12320E449205B9E6A3F30B57","2x":"/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=5A15DBB9F8A0186A28ED013F828D9806"},"769":{"1x":"/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;cy=0&amp;cw=367&amp;ch=216&amp;hash=1F08CE94F09D6CF893B20F055426FAC8","2x":"/-/life/media/athena/flourishes/large/laptop-webinar-mic-360x140.svg?cx=0&amp;cy=0&amp;cw=734&amp;ch=432&amp;hash=5C4DFE2F1B1AC0299F0FB7D2201E4698"}},"dynamicrenditions":null},"link":null,"description":"<p>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.</p>\n<p><a href=\"/knowledge-centre/protection-webinar-calendar\" title=\"View our webinar calendar\">View our webinar calendar</a></p>","buttonLink":null,"titleHeading":{"label":"Protection Webinars","type":"","url":"","target":"_self"},"html":null},{"image":{"html":"/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=24CEB91314AD3B74FCCBD942AE368347","editButton":null,"alt":"Open book","renditions":{"0":{"1x":"/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;cy=0&amp;cw=768&amp;ch=441&amp;hash=EE1FCD8CDD45E1C4FE21E9ADFEBF76E4","2x":"/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=24CEB91314AD3B74FCCBD942AE368347"},"769":{"1x":"/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;cy=0&amp;cw=367&amp;ch=216&amp;hash=333581EB1C9881E88B26E501EEEF4F99","2x":"/-/life/media/athena/flourishes/large/book-journal-documents-360x140-2.svg?cx=0&amp;cy=0&amp;cw=734&amp;ch=432&amp;hash=F3982F4955D1DF789B7676D996F3384A"}},"dynamicrenditions":null},"link":null,"description":"<p>Our protection focused digital magazine provides you with the latest news, industry insights and thought leadership - helping you power your protection conversations.</p>\n<p><a href=\"/knowledge-centre/fuel-for-life\" title=\"Read the latest issue of Fuel for Life\">Read the latest issue of Fuel for Life</a></p>","buttonLink":null,"titleHeading":{"label":"Fuel for Life","type":"","url":"","target":"_self"},"html":null}],"Id":{"Guid":"04c46a67-32a7-4dc2-bec2-3455846e4f41"},"titleHeading":{"label":"Helping you to support your clients in making effective, timely and informed decisions about protection products","align":"left","type":""},"enableBorder":false,"verticalSeparator":true,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>
    <div class="react-component separator" data-name="separator" data-id="07b90b36-47b8-4378-acbd-0f09d5d3108e">
        <div id="07b90b36-47b8-4378-acbd-0f09d5d3108e"><div id="7a0d6fd9-e4a4-4da2-9518-9b0e166d48b9" class="component-separator  "><div class="separator solid"></div></div></div>
    </div>
    <div class="react-component contentcard" data-name="contentCard" data-id="671674ca-8330-426e-a24f-b689a2d0ae49">
        <div id="671674ca-8330-426e-a24f-b689a2d0ae49"><div id="d78f3df8-3645-4da4-8231-a189f4a4679c" class="content-card "><div class="display-flex "><div class="card-verticle 
                        border00 "><div tabindex="0" class="card flex-class "><div class="image-container"><picture><source srcSet="/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=216&amp;amp;hash=6468E69B5F84167DF1DAFD3B7C07320C 1x,/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=432&amp;amp;hash=128CB3F1CF7318FE18708105EAB3928E 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=441&amp;amp;hash=C9FF77891D119A772C50F80A8F7DC371 1x,/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=0A551447422A0544C84D4B539A2D6050 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=0A551447422A0544C84D4B539A2D6050" class="fullimgWidth fullimg img-border" alt="Calculator with paper and coins"/></picture></div><div class="content"><h2 class="title card-title">Personal protection tools and calculators</h2><span class="rte description"><p>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.</p>
<p><a href="/online-services/personal-protection-tools-and-calculators" title="Personal Protection tools">Personal Protection tools</a></p></span><div class="cta-holder"></div></div></div></div><div class="card-verticle 
                        border01 "><div tabindex="0" class="card flex-class "><div class="image-container"><picture><source srcSet="/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=216&amp;amp;hash=925B91F6F6C4FF190EC2799C9E32C774 1x,/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=432&amp;amp;hash=674E028A27508BD704B4DC1E7E36441F 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=441&amp;amp;hash=3D6B9A543D8153C2A89212792DD690CB 1x,/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=89507904C600D162C2402CF26C820EDA 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=89507904C600D162C2402CF26C820EDA" class="fullimgWidth fullimg img-border" alt="Calculator with paper and coins"/></picture></div><div class="content"><h2 class="title card-title">Business protection tools and calculators</h2><span class="rte description"><p>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.</p>
<p><a href="/online-services/business-protection-tools-and-calculators" title="Business Protection tools">Business Protection tools</a></p></span><div class="cta-holder"></div></div></div></div><div class="card-verticle 
                        border02 "><div tabindex="0" class="card flex-class "><div class="image-container"><picture><source srcSet="/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=367&amp;amp;ch=216&amp;amp;hash=3C0B8AEAAC5BA1ED21292DB86DA89D48 1x,/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=734&amp;amp;ch=432&amp;amp;hash=EC328CFC2F9090101B91020902805C5D 2x" media="(min-width: 769px)"/><source srcSet="/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=768&amp;amp;ch=441&amp;amp;hash=AA9A2B750544A6C282B47270BEE655E9 1x,/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=639F4D4EDBFFF03C781D57A47569F9BD 2x" media="(min-width: 0px)"/><img src="/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;amp;cy=0&amp;amp;cw=1536&amp;amp;ch=882&amp;amp;hash=639F4D4EDBFFF03C781D57A47569F9BD" class="fullimgWidth fullimg img-border" alt="Online conversation"/></picture></div><div class="content"><h2 class="title card-title">Dedicated account managers</h2><span class="rte description"><p>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.</p>
<p><a href="/contact-us/personal-protection/account-managers" title="Contact your account manager">Contact your account manager</a></p></span><div class="cta-holder"></div></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"contentCard","reactName":"Athena.contentCard","id":"671674ca-8330-426e-a24f-b689a2d0ae49","type":"dynamic","props":{"cardItem":[{"image":{"html":"/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=0A551447422A0544C84D4B539A2D6050","editButton":null,"alt":"Calculator with paper and coins","renditions":{"0":{"1x":"/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=768&amp;ch=441&amp;hash=C9FF77891D119A772C50F80A8F7DC371","2x":"/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=0A551447422A0544C84D4B539A2D6050"},"769":{"1x":"/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=367&amp;ch=216&amp;hash=6468E69B5F84167DF1DAFD3B7C07320C","2x":"/-/life/media/athena/flourishes/large/personal-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=734&amp;ch=432&amp;hash=128CB3F1CF7318FE18708105EAB3928E"}},"dynamicrenditions":null},"link":null,"description":"<p>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.</p>\n<p><a href=\"/online-services/personal-protection-tools-and-calculators\" title=\"Personal Protection tools\">Personal Protection tools</a></p>","buttonLink":null,"titleHeading":{"label":"Personal protection tools and calculators","type":"","url":"","target":"_self"},"html":null},{"image":{"html":"/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=89507904C600D162C2402CF26C820EDA","editButton":null,"alt":"Calculator with paper and coins","renditions":{"0":{"1x":"/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=768&amp;ch=441&amp;hash=3D6B9A543D8153C2A89212792DD690CB","2x":"/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=89507904C600D162C2402CF26C820EDA"},"769":{"1x":"/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=367&amp;ch=216&amp;hash=925B91F6F6C4FF190EC2799C9E32C774","2x":"/-/life/media/athena/flourishes/large/business-calculators-360x140.svg?cx=0&amp;cy=0&amp;cw=734&amp;ch=432&amp;hash=674E028A27508BD704B4DC1E7E36441F"}},"dynamicrenditions":null},"link":null,"description":"<p>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.</p>\n<p><a href=\"/online-services/business-protection-tools-and-calculators\" title=\"Business Protection tools\">Business Protection tools</a></p>","buttonLink":null,"titleHeading":{"label":"Business protection tools and calculators","type":"","url":"","target":"_self"},"html":null},{"image":{"html":"/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=639F4D4EDBFFF03C781D57A47569F9BD","editButton":null,"alt":"Online conversation","renditions":{"0":{"1x":"/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;cy=0&amp;cw=768&amp;ch=441&amp;hash=AA9A2B750544A6C282B47270BEE655E9","2x":"/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;cy=0&amp;cw=1536&amp;ch=882&amp;hash=639F4D4EDBFFF03C781D57A47569F9BD"},"769":{"1x":"/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;cy=0&amp;cw=367&amp;ch=216&amp;hash=3C0B8AEAAC5BA1ED21292DB86DA89D48","2x":"/-/life/media/athena/flourishes/large/dedicated-account-managers-360x140.svg?cx=0&amp;cy=0&amp;cw=734&amp;ch=432&amp;hash=EC328CFC2F9090101B91020902805C5D"}},"dynamicrenditions":null},"link":null,"description":"<p>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.</p>\n<p><a href=\"/contact-us/personal-protection/account-managers\" title=\"Contact your account manager\">Contact your account manager</a></p>","buttonLink":null,"titleHeading":{"label":"Dedicated account managers","type":"","url":"","target":"_self"},"html":null}],"Id":{"Guid":"d78f3df8-3645-4da4-8231-a189f4a4679c"},"titleHeading":null,"enableBorder":false,"verticalSeparator":true,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>
    <div class="react-component mainfeatures" data-name="mainFeatures" data-id="dba7bdf2-5a4d-41a6-9f3f-c77dad43435c">
        <div id="dba7bdf2-5a4d-41a6-9f3f-c77dad43435c"><div id="021c1a27-a93b-4022-b4b8-ddfdf03511b4" class="main-features-container column-3 background-primary1"><div class="main-container-fullbleed"><div class="main-feature-fullbleed"><div class="content"><h2 class="title h2-regular">Helping you ensure our products and services meet the needs of your client</h2><span class="rte description">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. Here you can find links to each of our product profiles.</span></div><div class="features-list-container"><ul><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/d20e2c9c230943d680a2ffb0b788ba37/flexible-protection-plan-income-protection-idd-product-profile" target="_blank" title="Income Protection">Income Protection</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/8d705236a9b8496ca6bdfda763e3edea/personal-sick-pay-idd-product-profile" target="_blank" title="Personal Sick Pay">Personal Sick Pay</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/f04205ac874a41cf87e3b8a4ae595c94/waiver-of-premium-idd-product-profile" target="_blank" title="Waiver of Premium">Waiver of Premium</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/cf484032004947db8b4b2f25af7e3186/life-and-critical-illness-product-profile" target="_blank" title="Life and Critical Illness Cover">Life and Critical Illness Cover</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/5cfca35583324d0abd6e2f006c253efb/life-and-enhanced-critical-illness-cover-product-profile" target="_blank" title="Life and Enhanced Critical Illness Cover">Life and Enhanced Critical Illness Cover</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/eed3c82b03da413bb412546df3ccb7f0/gift-inter-vivos-product-profile" target="_blank" title="Gift Inter Vivos">Gift Inter Vivos</a></span></li></ul></div><div class="features-list-container"><ul><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/00b6c5da234f451f9b4d7fbeeca5f64a/flexible-protection-plan-life-idd-product-profile" target="_blank" title="Life Protection">Life Protection</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/1805f62c26c34f3bb070b5e3af2abda1/family-income-benefit-idd-product-profile" target="_blank" title="Family Income Benefit">Family Income Benefit</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/c8c8836d80af41b4ab5f846867cec81e/executive-income-protection-product-profile" target="_blank" title="Executive Income Protection">Executive Income Protection</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/d11cb3e4d7ed491b81e405446bc65d43/business-protection-idd-product-profile-life" target="_blank" title="Business Protection Life Insurance">Business Protection Life Insurance</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/2e5377b72fef44248ee7e1f9fc40c607/business-protection-idd-product-profile-life-and-critical-illness" target="_blank" title="Business Protection Combined Life and Critical Illness Cover">Business Protection Combined Life and Critical Illness Cover</a></span></li><li class="body-copy "><span class="list-pipe"></span><span class="rte "><a href="https://www.lvadviser.com/service/documentlibrary/get/b00a910a3a734c80ae3b2d4c205b3bc4/relevant-life-cover-idd-product-profile" target="_blank" title="Relevant Life Cover">Relevant Life Cover</a></span></li></ul></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"mainFeatures","reactName":"Athena.mainFeatures","id":"dba7bdf2-5a4d-41a6-9f3f-c77dad43435c","type":"dynamic","props":{"layoutOptions":"column-3","imageUrl":null,"titleHeading":{"label":"Helping you ensure our products and services meet the needs of your client","align":"","type":"h2"},"description":"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. Here you can find links to each of our product profiles.","leftfeatureItem":[{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/d20e2c9c230943d680a2ffb0b788ba37/flexible-protection-plan-income-protection-idd-product-profile\" target=\"_blank\" title=\"Income Protection\">Income Protection</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/8d705236a9b8496ca6bdfda763e3edea/personal-sick-pay-idd-product-profile\" target=\"_blank\" title=\"Personal Sick Pay\">Personal Sick Pay</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/f04205ac874a41cf87e3b8a4ae595c94/waiver-of-premium-idd-product-profile\" target=\"_blank\" title=\"Waiver of Premium\">Waiver of Premium</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/cf484032004947db8b4b2f25af7e3186/life-and-critical-illness-product-profile\" target=\"_blank\" title=\"Life and Critical Illness Cover\">Life and Critical Illness Cover</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/5cfca35583324d0abd6e2f006c253efb/life-and-enhanced-critical-illness-cover-product-profile\" target=\"_blank\" title=\"Life and Enhanced Critical Illness Cover\">Life and Enhanced Critical Illness Cover</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/eed3c82b03da413bb412546df3ccb7f0/gift-inter-vivos-product-profile\" target=\"_blank\" title=\"Gift Inter Vivos\">Gift Inter Vivos</a>","icon":null}],"rightfeatureItem":[{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/00b6c5da234f451f9b4d7fbeeca5f64a/flexible-protection-plan-life-idd-product-profile\" target=\"_blank\" title=\"Life Protection\">Life Protection</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/1805f62c26c34f3bb070b5e3af2abda1/family-income-benefit-idd-product-profile\" target=\"_blank\" title=\"Family Income Benefit\">Family Income Benefit</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/c8c8836d80af41b4ab5f846867cec81e/executive-income-protection-product-profile\" target=\"_blank\" title=\"Executive Income Protection\">Executive Income Protection</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/d11cb3e4d7ed491b81e405446bc65d43/business-protection-idd-product-profile-life\" target=\"_blank\" title=\"Business Protection Life Insurance\">Business Protection Life Insurance</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/2e5377b72fef44248ee7e1f9fc40c607/business-protection-idd-product-profile-life-and-critical-illness\" target=\"_blank\" title=\"Business Protection Combined Life and Critical Illness Cover\">Business Protection Combined Life and Critical Illness Cover</a>","icon":null},{"description":"<a href=\"https://www.lvadviser.com/service/documentlibrary/get/b00a910a3a734c80ae3b2d4c205b3bc4/relevant-life-cover-idd-product-profile\" target=\"_blank\" title=\"Relevant Life Cover\">Relevant Life Cover</a>","icon":null}],"background":"background-primary1","disableBottomSpace":false,"isEditMode":false,"html":null,"Id":{"Guid":"021c1a27-a93b-4022-b4b8-ddfdf03511b4"}}});</script>
    </div>
    <div class="react-component productcard" data-name="productCard" data-id="28d0fab9-0ea8-4e45-bf42-ad047af64fd4">
        <div id="28d0fab9-0ea8-4e45-bf42-ad047af64fd4"><div id="5b34af3b-42f6-457c-bfb6-6e6a61e4815a" class="product-card large"><div class="display-flex"><div tabindex="0" class="card  border flex-block no-flex"><div class="content"><h2 class="title card-title">Simple product videos</h2><span class="rte description">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.</span><div class="cta-holder"><a href="/knowledge-centre/video-and-webinar-library/protection" target="_self" class=" cta secondary" title="" role="button">View our video library</a></div></div></div><div tabindex="0" class="card  border flex-block no-flex"><div class="content"><h2 class="title card-title">Financial Resilience and the role of protection</h2><span class="rte description">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.</span><div class="cta-holder"><a href="/knowledge-centre/reaching-resilience" target="_self" class=" cta secondary" title="" role="button">Reaching resilience hub</a></div></div></div><div tabindex="0" class="card  border flex-block no-flex"><div class="content"><h2 class="title card-title">Our claims report</h2><span class="rte description">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.</span><div class="cta-holder"><a href="/supporting-you/claims" target="_self" class=" cta secondary" title="" role="button">More about claims</a></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"productCard","reactName":"Athena.productCard","id":"28d0fab9-0ea8-4e45-bf42-ad047af64fd4","type":"dynamic","props":{"cardItem":[{"image":null,"link":null,"description":"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.","buttonLink":{"label":"View our video library","type":"secondary","url":"/knowledge-centre/video-and-webinar-library/protection","target":"_self"},"titleHeading":{"label":"Simple product videos","type":"","url":"","target":"_self"},"html":null},{"image":null,"link":null,"description":"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.","buttonLink":{"label":"Reaching resilience hub","type":"secondary","url":"/knowledge-centre/reaching-resilience","target":"_self"},"titleHeading":{"label":"Financial Resilience and the role of protection","type":"","url":"","target":"_self"},"html":null},{"image":null,"link":null,"description":"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.","buttonLink":{"label":"More about claims","type":"secondary","url":"/supporting-you/claims","target":"_self"},"titleHeading":{"label":"Our claims report","type":"","url":"","target":"_self"},"html":null}],"Id":{"Guid":"5b34af3b-42f6-457c-bfb6-6e6a61e4815a"},"titleHeading":null,"enableBorder":true,"verticalSeparator":false,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="cca4fbf3-9db5-41de-8919-b0bcc2fe081d">
        <div id="cca4fbf3-9db5-41de-8919-b0bcc2fe081d"><div id="d68a74eb-4b89-42bd-91d0-eb3330282a9b" class="intro-Text-container background-primary1"><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title center">Our teams are here for you and your clients every step of the way</h2></div></div></div></div></div>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="158954f7-e911-4df1-856e-9815b400e868">
        <div id="158954f7-e911-4df1-856e-9815b400e868"><div id="03b7906b-3ea5-4ec3-9bb3-ada1d8ae71e2" class="intro-Text-container "><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title left">In the moment emotional and practical support</h2></div><div class="grid content-body order3"><span class="rte description left"><p>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.</p>
<p><a href="/supporting-your-client/doctors-services" title="LV= Doctor Services">LV= Doctor Services</a> 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.</p>
<p><a href="/supporting-your-client/member-benefits/legal-advice" title="Legal Advice Line">Legal Advice Line</a> 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.</p>
<p><a href="/supporting-your-client/member-benefits" title="View all our member benefits">View all our member benefits</a></p></span></div></div></div></div></div>
    </div>
    <div class="react-component callout" data-name="callOut" data-id="953fa2f3-5f2d-4f20-83ba-2c346407d5a1">
        <div id="953fa2f3-5f2d-4f20-83ba-2c346407d5a1"><link rel="preload" as="image" href="/-/life/media/athena/flourishes/small/contact-phone-bondi-160x120-2.svg"/><div id="1780742374174" class="callout-content-holder"><div class="callout-container dark elliptical"><div class="mask-holder top"><svg width="100%" viewBox="0 0 1128 23" version="1.1" xmlns="http://www.w3.org/2000/svg"><g id="Curve_Callout_Top" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><path d="M569.538462,0 C778.244181,0 964.398623,7.43860583 1128.00179,22.3158175 L1128,23 L0,23 L0,22.361 L4.09092272,22.006006 C173.804028,7.33533532 362.286541,0 569.538462,0 Z" id="Combined-Shape" fill="#0D2C41"></path></g></svg></div><div class="inner-container left "><div class="image-block"><img src="/-/life/media/athena/flourishes/small/contact-phone-bondi-160x120-2.svg" class="callout-image" alt="Contact Phone"/></div><div class="content-block"><h2 class="title content-title">Contacting the right person</h2><a href="tel:" target="_self" class="title contact-link textlink" title=""></a><span class="rte content-body"><p>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.</p>
<p><a href="/contact-us" title="Contact us"><span style="color: #ffffff;">Contact us</span></a></p></span></div></div><div class="mask-holder bottom"><svg width="100%" viewBox="0 0 1128 23" version="1.1" xmlns="http://www.w3.org/2000/svg"><g id="Curve_Callout_Top" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><path d="M569.538462,0 C778.244181,0 964.398623,7.43860583 1128.00179,22.3158175 L1128,23 L0,23 L0,22.361 L4.09092272,22.006006 C173.804028,7.33533532 362.286541,0 569.538462,0 Z" id="Combined-Shape" fill="#0D2C41"></path></g></svg></div></div></div></div>
    </div>
    <div class="react-component productcard" data-name="productCard" data-id="bafe647f-7395-4959-9ec9-2d63708aef0e">
        <div id="bafe647f-7395-4959-9ec9-2d63708aef0e"><div id="135a1866-b3e3-4a6e-92d4-b005dd70a597" class="product-card large"><div class="display-flex"><div tabindex="0" class="card  border flex-block no-flex"><div class="content"><h2 class="title card-title">Our underwriting philosophy</h2><span class="rte description">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.</span><div class="cta-holder"><a href="https://www.lvadviser.com/service/documentlibrary/get/22221cf0d2df46ca85e205e150adf914/protection-underwriting-guide.pdf" target="_blank" class=" cta secondary" title="" role="button">View our protection underwriting guide</a></div></div></div><div tabindex="0" class="card  border flex-block no-flex"><div class="content"><h2 class="title card-title">Quick indicative underwriting decisions</h2><span class="rte description">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.</span><div class="cta-holder"><a href="/online-services/fastway/pre-uw-tool" target="_self" class=" cta secondary" title="" role="button">More on our pre- underwriting tool</a></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"productCard","reactName":"Athena.productCard","id":"bafe647f-7395-4959-9ec9-2d63708aef0e","type":"dynamic","props":{"cardItem":[{"image":null,"link":null,"description":"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.","buttonLink":{"label":"View our protection underwriting guide","type":"secondary","url":"https://www.lvadviser.com/service/documentlibrary/get/22221cf0d2df46ca85e205e150adf914/protection-underwriting-guide.pdf","target":"_blank"},"titleHeading":{"label":"Our underwriting philosophy","type":"","url":"","target":"_self"},"html":null},{"image":null,"link":null,"description":"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.","buttonLink":{"label":"More on our pre- underwriting tool","type":"secondary","url":"/online-services/fastway/pre-uw-tool","target":"_self"},"titleHeading":{"label":"Quick indicative underwriting decisions","type":"","url":"","target":"_self"},"html":null}],"Id":{"Guid":"135a1866-b3e3-4a6e-92d4-b005dd70a597"},"titleHeading":null,"enableBorder":true,"verticalSeparator":false,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>
    <div class="react-component featuredetails" data-name="featureDetails" data-id="e8f36801-79f1-42f9-8e7a-0a339001bd44">
        <div id="e8f36801-79f1-42f9-8e7a-0a339001bd44"><div id="69f6cb57-02e1-47fd-8dc6-cde8d194c61e" class="intro-Text-container background-primary1"><div class="main-container-fullbleed"><div class="grid  image-left"><div class="order1 grid-flex"><h2 class="title center">Demonstrating that our products and services represent fair value for your clients</h2></div></div></div></div></div>
    </div>
    <div class="react-component productcard" data-name="productCard" data-id="59eeb456-fb75-4cc2-acb6-fd6190dbcd49">
        <div id="59eeb456-fb75-4cc2-acb6-fd6190dbcd49"><div id="e54f46b0-ab2b-4062-8ebe-f41ce24cb86c" class="product-card large"><div class="no-flex"><div tabindex="0" class="card  border display-flex no-flex"><div class="content"><h2 class="title card-title">Fair value</h2><span class="rte description">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. Our Product Governance and Fair Value Outcomes document provides details of the governance processes we use to oversee the design, approval and review of our products, how we monitor and assess fair value, and the outcome of our assessments.</span><div class="cta-holder"><a href="https://www.lvadviser.com/service/documentlibrary/get/288AF1F5CFE94ED09504558E929231C7/product-governance-and-fair-value-outcomes" target="_blank" class=" cta secondary" title="" role="button">View our Product Governance and Fair Value Outcomes document</a></div></div></div></div></div></div>
<script>LVSiteConfigs.components.data.push({"name":"productCard","reactName":"Athena.productCard","id":"59eeb456-fb75-4cc2-acb6-fd6190dbcd49","type":"dynamic","props":{"cardItem":[{"image":null,"link":null,"description":"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. Our Product Governance and Fair Value Outcomes document provides details of the governance processes we use to oversee the design, approval and review of our products, how we monitor and assess fair value, and the outcome of our assessments.","buttonLink":{"label":"View our Product Governance and Fair Value Outcomes document","type":"secondary","url":"https://www.lvadviser.com/service/documentlibrary/get/288AF1F5CFE94ED09504558E929231C7/product-governance-and-fair-value-outcomes","target":"_blank"},"titleHeading":{"label":"Fair value","type":"","url":"","target":"_self"},"html":null}],"Id":{"Guid":"e54f46b0-ab2b-4062-8ebe-f41ce24cb86c"},"titleHeading":null,"enableBorder":true,"verticalSeparator":false,"isCarouselIndicator":false,"variation":"","isEditMode":false,"html":null,"background":"","disableBottomSpace":false,"spacing":""}});</script>
    </div>

<!--/standard-->
        <!--/main-->
        <!--globalalert-->
        
        <!--/globalalert-->
        <!--cookieconsent-->
        
        <!--/cookieconsent-->
        <!--footer-content-->
            <div class="react-component footer" data-name="footer" data-id="283db51a-c69b-4b2e-90b5-d686e21696a6">
        <div id="283db51a-c69b-4b2e-90b5-d686e21696a6"><link rel="preload" as="image" href="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png"/><footer class="footer-container lvp"><div class="inner-container"><div class="links-container"><div class="nav-link"><a href="#" target="_self" class=" textlink" title="Cookie settings">Cookie settings</a></div><div class="nav-link"><a href="/legal" target="_self" class=" textlink" title="Legal">Legal</a></div><div class="nav-link"><a href="/lv-cookie-consent" target="_self" class=" textlink" title="Cookie consent">Cookie consent</a></div><div class="nav-link"><a href="/data-protection" target="_self" class=" textlink" title="Data protection">Data protection</a></div><div class="nav-link"><a href="/online-security" target="_self" class=" textlink" title="Online security">Online security</a></div><div class="nav-link"><a href="/accessibility" target="_self" class=" textlink" title="Accessibility">Accessibility</a></div><div class="nav-link"><a href="/service-status" target="_self" class=" textlink" title="Service status">Service status</a></div><div class="nav-link"><a href="/site-map" target="_self" class=" textlink" title="Sitemap">Sitemap</a></div></div><div class="footer-bottom"><div class="logo-block"><div class="logo-holder"><a href="https://www.lvadviser.com" target="_self" class=""><img src="/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png" alt="ALT Text"/></a></div><span class="copyright"><p><strong> For UK Financial Advisers only</strong></p>
<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p></span></div><div class="footer-social"><div class="footer-media linkedin"><a href="https://www.linkedin.com/showcase/lvforadvisers" target="_self" class="footer-social-media" title="LinkedIn"><span class="icon icon-linkedin" alt="LinkedIn"></span></a></div><div class="footer-media twitter"><a href="https://twitter.com/LVforAdvisers" target="_self" class="icon-link" title="Twitter"><svg focusable="false" width="25" height="21" viewBox="0 0 25 21"><path d="M12.2228 8.8875L19.8685 0H18.0567L11.418 7.71689L6.11564 0H0L8.0182 11.6693L0 20.9892H1.81189L8.82259 12.8399L14.4223 20.9892H20.5379L12.2224 8.8875H12.2228ZM9.74121 11.7721L8.9288 10.6101L2.46474 1.36396H5.24769L10.4643 8.8259L11.2767 9.9879L18.0576 19.6873H15.2747L9.74121 11.7726V11.7721Z" fill="#04589B"></path></svg></a></div></div></div></div></footer></div>
<script>LVSiteConfigs.components.data.push({"name":"footer","reactName":"Athena.footer","id":"283db51a-c69b-4b2e-90b5-d686e21696a6","type":"dynamic","props":{"expanderText":"Useful Links","copyrightText":"<p><strong> For UK Financial Advisers only</strong></p>\n<p><strong></strong>Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK</p>","logo":{"src":"/-/life/media/athena/images/logo/adviser-logo-104x54_responsive-v2.png","alt":"ALT Text","url":"https://www.lvadviser.com","target":"_self","html":null,"isEditMode":false},"socialLinks":[{"alt":"LinkedIn","channel":"linkedin","link":{"url":"https://www.linkedin.com/showcase/lvforadvisers","label":"","target":"_self"}},{"alt":"Twitter","channel":"twitter","link":{"url":"https://twitter.com/LVforAdvisers","label":"","target":"_self"}}],"navLinks":[{"link":{"Id":null,"Rel":null,"url":"javascript:Optanon.ToggleInfoDisplay();;","label":"Cookie settings","html":"<a href=\"javascript:Optanon.ToggleInfoDisplay();;\">Cookie settings</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/legal","label":"Legal","html":"<a href=\"/legal\">Legal</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/lv-cookie-consent","label":"Cookie consent","html":"<a href=\"/lv-cookie-consent\">Cookie consent</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/data-protection","label":"Data protection","html":"<a href=\"/data-protection\">Data protection</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/online-security","label":"Online security","html":"<a href=\"/online-security\">Online security</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/accessibility","label":"Accessibility","html":"<a href=\"/accessibility\">Accessibility</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/service-status","label":"Service status","html":"<a href=\"/service-status\">Service status</a>","target":"_self"}},{"link":{"Id":null,"Rel":null,"url":"/site-map","label":"Sitemap","html":"<a href=\"/site-map\">Sitemap</a>","target":"_self"}}]}});</script>
    </div>

        <!--/footer-content-->
        <!--script-footer-->
        
        <!--/script-footer-->


    </div>
    <!-- Includes Common js-->
    <script src='/life/athenadist/common.js?v=1.1.972.0'></script>

    <!-- Includes template Specific js-->
    <script src='/life/athenadist/js/mediators/standardpage.js?v=1.1.972.0'></script>

</body>
</html>
