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LV Life Insurance (or Liverpool Victoria), pays out a cash lump sum if you die during the term of the plan. Simply choose the amount of cover you require, or monthly premium. Cover can start from as little as £5 per month but is based on the amount to be paid out and your personal circumstances.
LV Life Insurance Features
Once you have chosen the length of time you would like the life insurance plan to last, the premium and length of time is fixed.
Choose from level cover or decreasing cover. Level cover pays out a fixed cash sum in the event of your death during the policy term. Decreasing cover pay out less over time, with the amount paid reducing in line with your outstanding mortgage. Bear in mind with level cover that the amount paid is fixed, and that the value of this money may decrease in real terms because of the effects of inflation.
Cover is available up to £500,000 in most cases but this reduces to £300,000 if you are aged between 56-65, £200,000 if you are aged between 66-69 when you apply.
Additional LV Life Insurance Policy Benefits
If you’re diagnosed with a terminal illness during the plan term you can ask LV to pay out your cover early to ease the burden on you and your family. Note that this payment is 3% less than the original cover amount, and your insurance plan will end after this payment. You can’t claim under a terminal illness in the last 12 months of the plan.
You can take out additional policies to increase the total amount of cover should your circumstances or requirements change.
The amount of cover available, and the premiums, will be personalised to your individual circumstances such as your age and sex, and whether you smoke or not.
