Protection for Life: Lifetime cover

Lifetime cover is one of the benefits available under our Protection for Life plan. It is a simple whole of life insurance policy that can help ensure there’s money in place to pay for bills or unexpected expenses when you die. The benefit amount can either be level or increasing, depending on the financial commitment you wish to protect. Lifetime cover lasts for the whole of your life.

Features and benefits

  • To pay out a cash sum on death.
  • Instant decision on Lifetime cover for benefit amounts of £15,000 or less
  • The cash sum (benefit amount) can be level or increasing.
  • Available on a single life basis or with two lives assured. Lifetime cover with a benefit amount of £15,000 or less is only available on a single life basis.
  • You are able to apply to change the amount of cover at any time
  • You can choose to have a single person or joint person plan
  • You can choose to put the policy in trust
  • You receive access to Scottish Widows Care


  • You must be a UK resident (meaning England, Wales, Scotland, Northern Ireland but not the Isle of Man or the Channel Islands)
  • You must have a UK bank account
  • Minimum age at start 18
  • Maximum age at start 74

Important information

The policy has no cash-in value at any time.

If you don’t pay your premiums on time your cover will stop, your benefit will end and you’ll get nothing back.

The policy will end when we pay out the benefit amount.

Over the course of the policy, the amount you pay in premiums may exceed the amount of cover you take out.

Existing Customers

Already have a life insurance product with us?

Got a question?

If you need to ask us a question about life insurance, then get in touch. There are lots of ways to contact us.

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