Important Information

• The plan has no cash-in value at any time.
• To apply you need to be a permanent UK resident aged 17-69.
• Clicking ‘Get a quote’ on this page will take you to a website managed by LV=, the provider of the Life Insurance Product.
• You can't make changes to your plan once it's started. If you need to make any changes, you will need to take out a new plan.
• Make sure your cover meets your needs, by reviewing your plan regularly.
• The lump sum payable from a level cover plan will remain the same throughout the term, so it won’t keep up with inflation.
• If you’re using the plan to help cover a mortgage, there’s no guarantee that the mortgage would be repaid in full.
• When you apply, answer all questions accurately and in full. If you don't, this may affect payment of your claim.
• If you have a terminal illness and ask for your plan to be paid out early, the amount of cover will be reduced by 3%. If you’re diagnosed with a terminal illness in the last 12 months of your plan, a terminal illness claim won’t be paid.
• If you stop paying premiums, your plan will stop after 60 days. This means you won't be covered.

This insurance product available through Standard Life Direct is provided by LV=, part of the Liverpool Victoria Group.

For more details you should read through (and download/store) the Key Features and Key Facts documents.

If you’re unclear about what this plan provides and whether it suits your needs, you should seek financial advice. Please note there may be a cost for this.

Standard Life Direct is provided by Standard Life Client Management, which arranges, and can advise you about this plan and products from subsidiaries of Standard Life plc and some external providers.

LV= will pay Standard Life Client Management commission if you buy an LV= Life Insurance plan through us. The amount paid is based on how much you pay and the term of your plan. Details of the actual amount of commission that would be payable on your plan will be provided in your quote.