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LV= is extending its unemployment offer by a further six months until the end of this year.

The provider's Mortgage & Lifestyle protection product offers both mortgage and living expenses cover, accidental and sickness cover and optional unemployment cover.

At the same time, LV= is publishing its underwriting approach for unemployment cover, to help clarify, through a series of different scenarios, whether an application for unemployment cover would be accepted.

Chris McFarlane, head of protection at LV=, said: "With the recession biting, we know that consumers may be increasingly concerned about their job security and that advisers need clarity and certainty around which products are suitable for their clients.

"As unemployment continues to rise, we are pleased to be able to extend the offer to give more customers and advisers the chance to benefit.

"As the unemployment rate recently hit 7.2 per cent, our cover is more relevant than ever and can help advisers protect their clients in these difficult and uncertain times."

- What do you think of this offer? Email your thoughts to fa.newsdesk@ft.com.