How to apply

When you’re ready to apply for lifetime cover.

What you can expect

  • You'll speak to friendly, professional staff
  • You'll be told immediately if we need to refer for further underwriting
  • We'll process your application and obtain outstanding information as quickly as possible

Before you apply make sure you have read:

Apply by phone

Apply by post

  • Send your completed application form to:
    Scottish Widows,
    15 Dalkeith Road,
    Edinburgh
    EH16 5BU

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.

Contact us

Make a claim

Find out how our claims process works.

Go to claims