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Life insurance
Life insurance could be the most important financial product you ever buy.
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Protect what matters most
It’s not easy to think about something happening to you. But having a plan could be the difference between your family maintaining their lifestyle and paying off the mortgage, or losing their home.
We provide life cover, critical illness cover and income protection.
The cover you need
Life cover
Life cover could pay out a cash lump sum if you die before your policy ends.
It can act as a safety net and could help your loved ones cope financially when you can’t be there.
Critical Illness Cover
Critical illness cover (also called body cover) could pay out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends.
The money could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.
Income protection
Income protection could give you a monthly, tax-free payment if you’re not able to work because of an illness or injury.
Only available with our Scottish Widows Protect product.
Compare life insurance
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Compare life insurance FEATURES
PLAN & PROTECT
SCOTTISH WIDOWS PROTECT
FEATURES
Life cover available
PLAN & PROTECT
Yes
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Critical illness cover available
PLAN & PROTECT
Yes
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Income protection available
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Minimum age to start a policy
PLAN & PROTECT
18
SCOTTISH WIDOWS PROTECT
18
FEATURES
Maximum age to start a policy:
PLAN & PROTECT
-
SCOTTISH WIDOWS PROTECT
-
FEATURES
- Life cover
PLAN & PROTECT
59
SCOTTISH WIDOWS PROTECT
79
FEATURES
- Critical illness cover
PLAN & PROTECT
59
SCOTTISH WIDOWS PROTECT
64
FEATURES
- Income protection
PLAN & PROTECT
N/A
SCOTTISH WIDOWS PROTECT
59
FEATURES
Age when policy ends:
PLAN & PROTECT
-
SCOTTISH WIDOWS PROTECT
-
FEATURES
- Life cover
PLAN & PROTECT
70
SCOTTISH WIDOWS PROTECT
90
FEATURES
- Critical illness cover
PLAN & PROTECT
70
SCOTTISH WIDOWS PROTECT
70
FEATURES
- Income protection
PLAN & PROTECT
N/A
SCOTTISH WIDOWS PROTECT
70
FEATURES
Level cover available
PLAN & PROTECT
Yes
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Increasing cover available
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Decreasing cover available
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Maximum amount of cover:
PLAN & PROTECT
-
SCOTTISH WIDOWS PROTECT
-
FEATURES
- Life cover
PLAN & PROTECT
Total of £500,000
SCOTTISH WIDOWS PROTECT
- Level - £18 million
- Increasing - £7.2 million*
- Decreasing - £12.5 million
FEATURES
- Income protection
PLAN & PROTECT
N/A
SCOTTISH WIDOWS PROTECT
- Level - £20,000/month
- Increasing - £12,000/month
FEATURES
- Critical illness cover
PLAN & PROTECT
Total of £500,000
SCOTTISH WIDOWS PROTECT
£3 million
FEATURES
Cover for children up to 22 years old
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Scottish Widows Care included
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Free accidental death cover while we process your application
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Free mortgage cover while we process your application
PLAN & PROTECT
No
SCOTTISH WIDOWS PROTECT
Yes
FEATURES
Policy summaries
PLAN & PROTECT
SCOTTISH WIDOWS PROTECT
FEATURES
Get a quote
PLAN & PROTECT
SCOTTISH WIDOWS PROTECT
*The maximum amount of cover for Scottish Widows Protect life cover with increasing cover is £7.2 million, with annual increases allowed up to a total of £18 million.
Your cover options
There are different types of cover depending on what you might need it for.
|
COVER OPTION |
WHAT THIS MEANS |
WHY YOU MIGHT NEED IT |
|---|---|---|
|
COVER OPTION Level cover |
WHAT THIS MEANS The amount of cover you choose and your premium will remain the same through the term of your policy. |
WHY YOU MIGHT NEED IT The amount of cover won’t change over time so you and your family know how much will be received in the event of a claim. |
|
COVER OPTION Decreasing cover |
WHAT THIS MEANS The amount of cover you choose reduces each month, but your premium remains the same. |
WHY YOU MIGHT NEED IT This is normally chosen to cover a repayment mortgage. |
|
COVER OPTION Increasing cover |
WHAT THIS MEANS The amount of cover you choose increases each year in line with the Retail Prices Index (RPI). Your premium will also increase for this type of cover. This means that your cover amount stays in line with inflation. |
WHY YOU MIGHT NEED IT As this type of cover stays in line with inflation, it is designed to combat price rises, maintaining its real value throughout the term. |
When’s the right time to get life insurance?
Big life changes can make you think: how do you protect yourself and loved ones from the unexpected?
Life insurance policies have no cash-in value at any time. If you don’t pay your premiums on time your cover will stop, your policy will end and you’ll get nothing back. If the sum assured has not been paid out by the end of the selected term, the policy will end and you’ll get nothing back.
Help and support
Learn the basics of life insurance
Get answers to your most commonly asked questions and understand the basics on life insurance and critical illness with life cover.