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LV= : Mortgage and Lifestyle Protection

 

Company:

Liverpool Victoria

Product category:

Income Protection

Sub-category:

Income Protection

Mortgage Protection

 


 

Product profile

 

Description

  • A flexible tailored mortgage payment and living expenses protection policy to cover accident, sickness and unemployment

  • Mortgage cover and living expenses cover can run for different periods as your need for protection may not end when your mortage does

  

For

  • Aged 18 to 64
  • Employees and self employed
 

Maximum monthly  sum insured

55% of income before tax, or 55% of net profit for the self employed

 

Period of cover

  • Minimum - five years
  • Maximum for mortgage protection - 25 years
  • Maximum for income protection - 35 years
  • Income protection ends at age 70

Benefits

  • On an 'inability to do your own job' basis

  • Pays out until you return to work or die or reach the age limit

  • You choose the amount

  • You choose the time period

  • Up to 36 months unemployment cover

  • Guaranteed premium

  • No premium reviews or age-banded premium increases

  • Waiver of premium payment when not working

  • Can be amended

  • Cover for career break, homemakers or voluntary redundancy

  • Healthy Steps online health assessment check

  • Mortgage guarantee

  

Options

  • Level or index linked living expenses protection

  • Accident, sickness and unemployment or accidentand sickness

  • Can run separate periods for mortgage and living expenses sections

  • 1/2/6/12/24 months deferred period

 


 

Last updated: 29 March 2011

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