How to apply

If you’re ready to apply for cover or want to discuss your protection needs in more detail, you should speak to a financial adviser.

If you’re taking out a Scottish Widows life insurance policy you have to be a UK resident, aged between 18 and 79 for life cover and 18 and 64 for critical illness cover.

For advice about your protection needs you can speak to Cavendish Online, or your own financial adviser if you have one. You can also find an adviser in your area.

Speak to Cavendish Online

We’re committed to helping you meet your protection needs, providing you with peace of mind that you have a financial safety net in place if the worst happened.​

You can contact Cavendish Online who can advise you on Scottish Widows protection policies.​

Cavendish Online is a part of Lloyds Banking Group. They won’t charge you for their advice, and you’re under no obligation when you speak to them.​

If you want protection from somewhere else, you should speak to your own financial adviser, or find one in your area.​

You can call Cavendish Online on:​
0800 131 0018
Monday to Thursday 9am–7pm​
Friday 9am–6pm​

Or you can request a call back – provide Cavendish Online with your contact details, and they’ll get in touch to discuss your protection needs.


Speak to your financial adviser

If you already have a financial adviser, you should speak to them to find out what cover you might need to help make sure you and your family are financially protected.

If you’d like to find an adviser, can help you find one in your area.

Here’s more information on finding an adviser

Important information

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.



If you need to ask us a question about life insurance, then get in touch.

Contact us

Financial Services Compensation Scheme (FSCS)

Go to the FSCS website