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LV='s document library lets you download, save and email files - directly to you and your clients. Find key information, product profiles and more here. Want to know a little more about our claims process? Three steps to help guide you through the claims process for Unemployment Cover taken out after 1st May we'll treat you as if you were working in your normal role, and you'll keep your normal level of cover, own occupation and definition of sickness. Own Occupation - this means the policy will pay out, after the waiting period, if because of Read more in our Income Protection for Renters guide Occupations and Driving. 12. Financial Underwriting. 14. Personal financial underwriting. 15. Relevant Life Insurance. 16. Business financial underwriting. For selected critical illness and all income protection occupations, we will also need the customer's specific job title. Housepersons – If your customer is a. LV= personal sick pay is a specialist form of income protection, aimed at those who may be considered higher risk due to their occupation,LV='s Protection Underwriting process is simple, but thorough. Learn more about how we make it easy for you and your clients. Amount of cover and length of term; Occupation (high risk occupations such as being in the army or being a commercial diver may incur higher premiums) LV's Income Protection offers own occupation cover to all policyholders, so you will be able to claim if you suffer an injury or illness that prevents you from