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Get £10,000 of free life insurance cover
Less than 1 in 3* women have life cover, we’re making it easier for anyone to take the first step.
Thinking about life insurance isn’t always easy, but having cover in place could make a real difference to the people you care about. Helping to protect your loved ones when it matters most.
That’s why, for a limited time, we’re offering everyone £10,000 of free life insurance cover to keep you protected, from the date you opt-in until 31st August 2026 - simply fill in the form below to opt-in. Giving you the chance to explore protection with no cost and understand how life insurance could support your family if the unexpected happened.
It’s a simple way to take the first step, with expert support available if you want it.
If the worst were to happen during the free cover period, a cash lump sum could be paid to help support your loved ones financially. Pre-existing conditions are excluded.
*Source: YouGov 2025 Survey
What this offer gives you
- £10,000 of free life insurance cover until 31st August 2026
- A chance to explore life insurance without long-term commitment
You also have the option to speak to a protection expert for personalised guidance. There’s no obligation to continue once the free cover ends. You stay in control throughout.
No pressure. No automatic continuation.
You won’t be charged or moved onto paid cover when the free period ends unless you choose to.
Offer Terms, Conditions and Exclusions apply
The offer comes from our protection experts at Scottish Widows, who are part of Lloyds Banking Group.
Request a call back
Not free to talk right now? One of our protection experts will contact you at a time that suits you.
If you choose a call back, one of our protection experts may contact you during the free cover period to talk through your options.
Simply fill in your details below to opt-in to the offer
If you decide you want to discuss your options, one of our protection experts will contact you.
Terms and conditions
How to claim
To benefit from this offer, your family or other representative will need to notify us of your death within 6 months from the end of the cover period stated above by emailing SWFreeLifeCover@scottishwidows.co.uk who will then outline the claim process to them.
They will also be asked to provide us with evidence including a death certificate and proof of identity. There may be tax implications for your estate. You may wish to speak to a solicitor or tax professional. We cannot provide tax advice.
Offer terms
In the event of your death between the date you opt-in to this offer, and the 31st August 2026, we will pay a cash lump sum of £10,000.
We will pay this to your estate. There may be tax implication to this, so you may wish to speak to a solicitor or tax professional.
General conditions
This payment is subject to the following conditions:
- We receive a copy of your death certificate, proof of identity and any other information we may reasonably require.
- We are notified of your death no more than 6 months after 31st August 2026.
- A claim will not be accepted if you die as a result of a medical condition that was pre-existing at the start of the cover.
- You must be a UK resident, age 18 or over.
- If paid to your estate, there may be tax implications. You may wish to speak to a solicitor or tax professional. This offer will pay £10,000 only on your death. There is no other cash alternative.
- This offer cannot be transferred to anyone else.
- This offer can only be applied once per individual.
- This offer shall not apply in the event that these terms and conditions are not met, or if any attempt to claim this offer is false or fraudulent, or if there is any breach of applicable law or regulation in relation to any claim. In these circumstances, if you or your estate have benefitted from this offer, but it’s later discovered that you shouldn’t have, we reserve the right to take whatever action we deem necessary and reasonable including recovery of any extra costs, losses, damages and expenses we have incurred.
- The promoter of this offer is Scottish Widows Limited, 25 Gresham Street, London, EC2V 7HN, part of Lloyds Banking Group.
- Scottish Widows reserve the right to amend or withdraw the offer at any time.
- 'Clinic in a Pocket’ added value service is not included with this offer.