Save money on
Liverpool & Victoria life cover

Liverpool Victoria policies via Lifesaver Direct

When dealing with a company such as Liverpool and Victoria, you often pay for a consultant's time. Whereas you can buy the same policy through Lifesaver Direct and we are able to bypass the consultant's costs and hand down the saving to you in the form of a discount on the monthly premium.

About Liverpool Victoria

Liverpool Victoria is a specialist in protection insurance with 40 years' experience in the Income Protection market . Liverpool Victoria is committed to the independent intermediary market and offers a support service through a team of consultants. Liverpool Victoria do not approach customers directly and you can rest assured that you will not be subjected to any marketing directly from them.

Liverpool Victoria Products

Life Assurance products from Liverpool Victoria offer a range of benefits, such as:

• Level cover to provide a guaranteed cash sum
• Index-linked cover grows with inflation to keep it current
• Family income benefit gives dependants an income rather than a cash sum
• Decreasing term cover can be useful for inheritance tax planning
• Mortgage protection is guaranteed to repay the balance of a house loan excluding any arrears in repayment
• Commercial mortgage protection for your business clients
• Trusts can be used to keep the benefits apart from the estate so they will not add to any inheritance tax liability
• Benefits can also be used to pay an inheritance tax bill
• Life cover through a pension plan can give tax relief on the premiums

Save money on life assurance

Premium rates have come down as a result of

Save money on mortgages

Mortgage rates have improved as a result of:

General explanation

Why you can save money on life assurance and critical illness

Over the course of the last 18 months to 2 years protection costs, have in many cases been decreasing. It has however recently been announced that providers will be increasing the cost very shortly. The market has never been more competitive and you may never have a better opportunity to save money by taking advantage of low cost life assurance and critical illness cover.

There are a number of factors to consider:

The new Liverpool and Victoria plan will need to be underwritten and could be offered on different terms or rejected if your state of health is different to when you originally took out the plan. If you do elect to take this offer you must ensure that the new plan is acceptable and in force before you stop the original.

You may wish to consider your level of cover as it may no longer be suitable, will it suffice? If you feel a review would be beneficial we can help you with this.

Mortgage protection plans are usually used in conjunction with repayment mortgages to protect against death and/or critical illness. The cover is designed to reduce in line with the outstanding mortgage loan.

Life insurance cover is designed to pay out a lump sum should you die during the term of the policy. This is usually on a level basis, meaning that the sum assured does not reduce. Critical illness cover may also be included in the plan.

For an additional cost, critical illness cover can be added to the life cover or mortgage protection plans. It provides cover if you are diagnosed with a critical illness such as cancer, stroke, heart attack, loss of hearing, and numerous others.

A full explanation of the policy will be shown in the key features document.

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