At LV=, we’re committed to protecting and supporting UK businesses, through a range of Business Protection products which are easy to recommend, and backed up with quality support and service when it’s needed most.

To help you maximise the opportunity, we’ve developed a range of easy-to-use tools designed to help drive your Business Protection conversations with clients. Refreshingly simple and straightforward to use, the results can either be saved, printed, or used to generate a risk report for your client. And they’re convenient too, as you can access them on the move – on your tablet or phone

Use our tools to take the hard work out of Business Protection:

Business Risk Calculator – the only tool that calculates the risk of business owners (and key people) dying or being diagnosed with a critical illness before retirement. The results also show the financial impact on the business, and are particularly powerful at group level. Our Business Risk Calculator can help you persuade clients who need convincing about the need and value of protection.

Key Person Calculator – this tool uses a key person’s contribution to business profits to suggest an appropriate amount of cover. You can select gross profits for key people who directly influence money coming into the business (like sales people) or net profit for those responsible for managing cash flow (such as finance directors).

Premium Equalisation Calculator – this helps you split the overall premium costs between the business owners, according to their individual share(s) and protection risk. When using the calculator, print off two copies of the report, one for your client’s accountant and one for your own file.

Business Valuation Calculator – when setting up Share or Partnership Protection, it’s important to understand the potential value of the business so you can recommend the right amount of cover. Our Business Valuation Calculator uses net profits, assets and a profit multiplier to help you suggest an appropriate level of protection.

Relevant Life Cover Calculators – these tools can help you decide on an appropriate amount of cover (based on a multiple of salary) and demonstrate the potential savings compared to a traditional life insurance policy.

We’ve also developed a range of jargon-free, easy-to-understand client sales aids and brochures to help you introduce and explain Business Protection.

To find out more about LV= Business Protection, please call 0800 0324 219.

Kind regards

LV= Protection Sales Team
Tel: 0800 0324 219

Email: protectionsales@lv.com