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Why choose LV= life insurance?
LV= (previously known as Liverpool Victoria) was founded back in 1843. They have over 1.3million members across the UK and offer a range of insurance products.
As a protection, investment and retirement specialist, LV= offers products, services and advice to help members and customers protect their income while they’re working and maximise it when they stop.
LV= has a 4.4 / 5 rating on Trustpilot from over 74,000 reviews. They also have a Defaqto five star rating on their level and decreasing term life insurance.
LV= life insurance policies include:
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LV= Doctor Services
Free access to LV= doctor services providing fast and convenient access to expert medical services including a remote GP, mental health support, and 24-hour access to support from qualified nurses and counsellors
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Flexible options
Flexibility to choose the amount of cover you need, from the different types of life insurance LV= offer and how long you may want it for, including an optional add-on of children’s critical illness cover
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Member benefits
LV= insurance members can save money on a range of products and services including car, home and pet insurance
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Increase your cover
You can make changes to your policy if your circumstances change. This means you may able to increase your cover after specific life events occur without medical evidence
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Legal advice line
You will never need to feel unsure about what your next steps are with 24-hour access to free legal advice with your policy
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Terminal illness cover included
Terminal illness cover is included in your LV= life insurance policy at no extra cost
How do I get a LV= life insurance quote?
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We’ll fetch our best quotes
We have some of the top UK providers on our panel for you to choose from. Browse policies ordered by lowest premium.
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Choose the deal you want
Once you've found the policy that's right for you, all it takes is a click through to your chosen provider to buy your policy today for the price you see.
What types of life insurance can I get with LV=?
LV= offers a variety of different covers for life insurance, including the following:
Level-term life insurance: Level-term cover pays out a lump sum should you pass away during the term of the policy. Your cover amount and your premiums are fixed for the entire term
Decreasing-term insurance: The amount of money you’re covered for, during your decreasing term insurance, reduces over time making this a good option to cover the amount you may owe on a mortgage repayment or other loans
Joint life cover: Joint life insurance covers you and your partner together however, the plan pays out for the first claim only. After which, the plan stops and the surviving person is no longer covered
Example LV= life insurance quote
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
Can I cancel my LV= insurance and switch providers?
Yes, you can cancel your LV= life insurance plan at any time. Here are some instances where you may want to cancel, and what LV= offers in each scenario:
If your policy is coming up for renewal: you can cancel over the phone or by writing to them and you will not be charged anything for cancelling your policy, but you won't receive anything back for your policy either
You've just taken out a policy: if you change your mind within 30 days of taking out your life insurance policy, LV= will refund your premiums
If your policy has auto-renewed at a higher rate: If your policy is more than you're comfortable paying, try contacting LV= to see what they can do. If you wish to end your cover, LV= will cancel your policy at no extra charge.
What add-ons can I get with LV=?
Here are some add-ons that you can add to your LV= policy:
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Critical illness cover
Receive a lump sum if you are diagnosed with a critical illness covered in your policy
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Children's critical illness cover
Tailor your policy to suit you and your loved ones, with the option to add children
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Income protection
Offers peace of mind and financial security if you're unable to work because of an accident or ill-health
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
How do I contact LV=?
You can contact LV= in the following ways:
Phone: 0800 678 1906
Opening hours:
Monday to Friday: 9am - 5pm
Or write to them at:
LV= Protection
PO Box 341
Wymondham
NR18 8HR
How do I make a claim with LV=?
You can make a claim by phoning LV= on 0800 756 5869. Their lines open 9am - 5pm Monday to Friday. Alternatively, you can write to them at:
LV= Protection
PO Box 341
Wymondham
NR18 8HR
Or email them at healthclaims@lv.com.
Before making a claim, try to gather the information below if it is available to you:
The policy number (usually found on the policy documents)
Medical report from your doctor if you are claiming for a terminal illness
An original death certificate of the policyholder (which will be sent back to you immediately)
You will be kept informed throughout the claim process and claims will be paid as quickly as possible. Once LV= has made their final decision about your claim, they aim to pay the claim within three days.
Why compare life insurance with MoneySuperMarket?
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Save money
We make it easy to compare insurers offering you the best value for your budget and save on premiums.
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Quotes tailored to you
We ask the right questions and tailor our quotes so you can get the right cover to suit your needs.
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Make smarter decisions
We offer independent Defaqto star ratings on policies to help you decide on the right quality product for you.
Who underwrites LV= insurance?
LV= life insurance is underwritten by Allianz Insurance.
Can I pay LV= in monthly instalments?
Yes, life insurance premiums can be paid monthly or annually. LV= offers monthly instalments, or annual direct debit payments.
How long does it take to get your life insurance money from LV=?
This depends on LV= requirements when you're making a claim. They may need to collect medical evidence or request probate information to verify your claim. When you contact LV= to make a claim, they should be able to give you a timeframe for when you should receive your payout.
Once LV= agrees to pay the claim, it can take between three to five working days for you to receive the funds.
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Reviewed on 11 Dec 2025