12th September 2014

Unrivalled protection, ultimate cover from LV=

If you have clients in riskier jobs, LV= can now offer them the best of both. Personal Sick Pay (a type of income protection) can be combined with Critical Illness cover in one plan. It really is that simple!

Personal Sick Pay
Personal Sick Pay is a type of income protection cover especially designed for clients in riskier jobs, such as nurses, teachers, tradespeople, social workers and drivers. As well as, those who are self-employed.

It includes a number of unique features; a £1,000 guarantee, guaranteed or reviewable future prices, an own occupation definition of sickness, and a budget version to help those clients who are more cost conscious.

Critical Illness cover
LV=’s comprehensive, quality cover includes more partial payment conditions and broader definitions than any other critical illness provider.

For example, its estimated 10% of all heart attack claims are declined for not meeting the standard definition, such as a specified troponin or enzyme level. So, it’s reassuring to know that LV= full payment condition pays on diagnosis only.

And did you know, all their 20 partial payments pay out up to a maximum of £12,500 or £25,000, so for key conditions, such as carcinoma in-situ of the breast the higher amount applies.

One plan
As the only provider to include this type of specialist income protection as part of a menu plan, it really is a great way for your client to protect their income and get a lump sum from their critical illness cover, or life cover, in the same plan.

Recommend unrivalled financial protection for your clients in riskier jobs today, by combining LV= market-leading Critical Illness and Personal Sick Pay plans. Get a quote here.

Visit LV.com/adviser for more on LV= range of protection products.

Protection