Looking after what you love -Our mission is simple: to 'look after what you love in life'. We help you to do this by offering high quality protection, and by dealing with you in the way we would want to be treated ourselves.

We don’t have any shareholders, and exist purely for the benefit of our members. This means we can
concentrate on doing the right thing by the people who look to us for protection or financial security, instead of looking after the interests of shareholders.

At LV= we’re proud of our Income Protection. As well as a high quality product, we provide an excellent
service – both during the lifetime of your client’s policy, and in particular when it comes to making a claim.
And it’s not just us saying it.

We’re consistently recognised amongst the best available in the market by both financial advisers and industry bodies.

Why IP is the solution

It’s easy to think “it’ll never happen to me” but the truth is life’s unpredictable – we never know what’s waiting for us around the next corner.

Did you know…

People who have been off sick for six months have an 80% chance of being off for five years*
Over a third of people who applied for Employment & Support Allowance from the state were
unsuccessful**
Employment & Support Allowance is £91.40 a week. That’s less than 20% of the average gross weekly pay
in the UK***

* Working for health, March 2010
** Based on figures between October 2008 and May 2009. Department of Work & Pensions, January 2010
***Employment & Support Allowance rate for Basic and work related components from April 2010. Annual Survey of Hours and Earnings 2009.

LV= have a range of tools designed to highlight the need for Income Protection. Use them to help steer your conversations with your client towards an Income Protection sales opportunity, including a sales aid which features tried and tested ideas.

LV= Income Protection Toolkit

Featuring:

Protection Shortfall Calculator – The calculator has been designed to indicate how much income your client can expect to receive if they’re unable to work due to accident, sickness or disability.

Literature:

For advisers;

Income protection at a glance – An overview of LV= award winning income protection

Underwriting guide – LV= adviser protection underwriting guide

Income protection marketing ideas – A few tried and tested ideas to help you steer conversations with your client towards income protection

Income protection claims sales aid – Example claims paid out for Income Protection in 2009

For clients;

Income protection claims performance 2009 - Brochure for you to share with your clients

Tele-interviewing guide – A guide for your client on the LV= tele-interview process


Online help & support

Employment and Support Allowance Summary - Helping you understand what state benefits your client could be entitled to, if they become unable to work due to sickness or accident.

What will the state provide – Information on what your client may be entitled to if they began claiming Incapacity Benefit before 27 October 2008.

Online income protection claims performance 2009 – An overview of our 2009 income protection claims performance including real life examples.

Contact us

Telephone:
Arrange a tele-interview: 0845 640 5891
9am to 9pm Monday to Friday with voicemail at other times.

Claims: 0845 640 5273
9am to 5pm Monday to Friday.

For textphone, dial 18001 first. We may record and/or monitor your calls for training and audit purposes.

Address:
LV= , Pynes Hill House, Rydon Lane, Exeter, EX2 5SP

Email:
Arrange a tele-interview: tele.interviewing@lv.com
Underwriting questions: preunderwriting@lv.com
Claims: claims@lv.com