The team at Golden Rock Solutions give families and business owners access to independent which is FREE OF CHARGE The advice is around Life insurance, critical illness cover, income protection, whole of life insurance and inheritance tax proofing solutions.

Working with industry providing protection includes Relevant life insurance, Key man insurance, Executive Income Protection. This also includes Group Insurance where the company at large can be protected with Group Life insurance, Critical illness and Income protections available with EAP (Employment Assistance Programmes – helping employee’s getting back to the workplace!

This doesn’t explain some of the key features & benefits of the different Life Insurance & protections providers. Moreover nor the premium, application process but hints the Life Insurance companies are all different!

To get Free advice to get more out of Life Insurance for you, your family your business and the important things Please get in touch

This blog discusses the benefits from Liverpool Victoria


  • Doctors Services – Provided by Square Health. Available on all personal protection plans at no additional cost – including minimum premium cases.
  • Provides access to 3 medical services all on 1 app:
  • Speak to a UK Doctor to talk through any health or medical concerns by video or phone.
  • What a Remote GP will do for you:
    • •Treat everyday illnesses – such as allergies, flu or skin conditions, which can still cause major discomfort.
    • •Provide a diagnosis – you can get information, advice and a clear course of action for any serious illness.
    • •Refer you to a specialist – to see a specialist or medical professional face to face in your area.
    • •You have access to the service up to 5 times per year, the consultation is free and each appointment takes around 15-20mins (the allocated time slot for an appointment with your NHS GP is 8mins – so a far more in-depth consultation).Potential saving of £200 against the cost if you were to go private.
      • Prescription Services – Following your Remote GP appointment you require some prescription medication. You can use the prescription services.
    • Why use the service?

      • Convenient – the prescription can be emailed or posted to you, or sent directly to a local pharmacy for you to collect.
      • Fast – no need to visit or spend time waiting at your local GP surgery
      • Reassurance – the service is registered with the Care Quality Commission (CQC)
      • Sick Notes – if appropriate, the GP can prescribe a sick note for a fixed fee of £15.

      The cost of the prescription is dependent on the cost of the treatment, there is no flat fee as per the NHS’ £8.60. It could be a case this may cost more, however your consulting doctor will run through the costs with you along with any non-branded alternatives.

        • Second Opinion Service – is there to review your diagnosis, help clarify any unanswered questions and help you understand the treatment options available. You case will be put to the most appropriate specialist from up to 5,000 UK based health and medical experts.
      • What will Second Opinion do for you?

        • Investigate a diagnosis – your case will be examined based on a full review of your medical records
        • Help you collect your medical records – if needed, you will be guided through how to request these.
        • Confirm a diagnosis – once your medical information is reviewed, a diagnosis will be confirmed, along with guidance and advice on the treatment options available.
        • Refer you to a specialist – if the doctor believes you would benefit from seeing a consultant or medical professional face to face – e.g. for Diagnostic or pathology investigations.
        • Includes Mental Health – Likely that you will be recommended to attend a follow up face to face consultation with a medical professional or consultant, in your local area.
        • Reassurance – the advice and guidance can help to answer any outstanding questions, or provide reassurance.
        • No Cost – unlike other services or private medical insurance, you will not be asked to pay a contribution towards any consultation fees, or insurance excess.
        • Most common treatment areas:
        • Cancer
        • Heart and Cardiovascular
        • Hip complaints
        • Knee complaints
        • Mental health.

        Income Protection Specific Benefits (Not available with PSP contract)

        • Fracture Cover – In addition to any payments LV= are paying you, if you are unable to work due to one of the specified fractures, you will received a lump sum pay-out of the amount shown:
        • Only will pay for one fracture at a time, if you are unable to work due to 2 fractures then the highest value would be paid.
        • One pay out diagnosed within a 12mth period (starting on the plan start date and onwards).
        • Not payable if the fracture occurs from any of the following sports/hobbies.
        • Boxing or Martial Arts
        • Extreme Sports Inc. but not limited to mountain boarding, parkour, cliff jumping, coasteering or base jumping.
        • Gaelic football or hurling
        • Horse Riding
        • Motor Car or Motor Cycle Sport
        • Off road mountain biking or BMX
        • Mountaineering, rock climbing, abseiling, caving or potholing.
        • Private flying, gliding, paragliding or parachuting
        • Rugby
        • Skiing or Snowboarding

      If fracture is classed as fatigue, stress or hairline – this will not be covered.

      • Parent & Child Cover – Will pay a lump-sum if the client’s child is diagnosed with one of 54 listed conditions; such as Cancer (excluding less advanced cases), Blindness, Heart Attack, Deafness, MS – or undergoes a specific medical procedure or operation – the amount paid will be 6 times the monthly amount of cover, to a maximum of £25,000.
      • Maximum Sum Assured Increased to £250,000 per annum (£20,833 per month) for level, or £175,000 per annum (£14,583 per month) for index linked.
      • NHS Sick Pay Guarantee – Now including Dentists, Dental Consultants, Dental Practitioner and Orthodontists, alongside the original NHS Doctors and Surgeons. They will offer IP with a deferred period of 12mths, but will pay the benefit in line with the sick pay they receive in line with their length of service.
      • Rehab Support Services – Are now available during the waiting period, and not just offered at time of claim.
      • Death Benefit If you die before the end of the policy, a lump-sum will be payable.
    • Your family will receive:
      • £5,000 if you die within 4yrs of the start date of the policy.
      • £10,000 if you die 4 or more years after the start date of the policy.
      • If you were claiming and still in receipt of these payments after your death – this will be deducted from the death benefit.
      • Death Benefit If you die before the end of the policy, a lump-sum will be payable. Your family will receive:
      • £5,000 if you die within 4yrs of the start date of the policy.
      • £10,000 if you die 4 or more years after the start date of the policy.
      • If you were claiming and still in receipt of these payments after your death – this will be deducted from the death benefit.
      • Unemployment Payment Holiday If you are made unemployed through no fault of your own (involuntary unemployment), you can claim for up to 6mths premiums to be paid by LV
      • LV= PSP – Personal Sick Pay Guarantee (On LV PSP only) – If you request a benefit of £1,000 or less and need to claim, LV= will check how many hours you worked in the 3mths leading to the claim.
    • As long as you were normally working for 30hrs or more and receiving an income, LV= will pay you up to £1,000 as a guaranteed for the first 2 yrs. of our claim, no matter what other money you are in receipt of (state benefits, sick pay or other insurance).

      • Enhanced Claims Payments – On Critical Illness
      • For six of LV= neurological conditions, for example; Parkinson’s disease or Alzheimer’s, we’ll pay your client 150% of their cover (up to a maximum of £200,000 on top of their original cover), if they receive a diagnosis under the age of 45.
      • For ten conditions, LV= will pay your client 200% of their cover, (up to a maximum of £200,000 on top of their original cover) if the cause is as a result of an accident, for example; loss of speech, paralysis of a limb or traumatic brain injury
    • LV Members Benefits

      • The LV= Legal and Wellbeing Advice Line – The Advice Line is available 24 hours a day, 7 days a week. It gives you direct access to legal advisers, counsellors and medical experts. This service is completely free and confidential, and you and your family can use it as many times as you need.
      • Legal Advice on these areas:
      • Personal – Wills, trusts, power of attorney, probate and consumer rights
      • Employment – unfair dismissal, redundancy, and discrimination
      • Property – nuisance neighbours, home purchases and access rights
      • General law – motoring offences, debt advice and personal injury
      • Family law – child maintenance, divorce and domestic violence.
      • Member support fund – LV= understand that sometimes people can fall on hard times through no fault of their own. That’s why we offer financial support to our members through our member support fund.
    • The fund provides grants to help members who are suffering financially. It’s managed by a small independent committee of LV= members who look at each individual request to determine if a grant can be given. You can apply for a grant through the LV= Legal and Wellbeing Advice Line, as long as you’ve been a member for more than 12 months.
    • Member discounts All our members can get discounts on other LV= products including home, pet and travel insurance.

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