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Who knows what the future holds. It’s worth considering taking out an insurance policy in case of an emergency, especially if your children, partner or other relatives depend on you financially.
There are different types and levels cover you can take out, depending on your circumstances.
Life insurance can give your loved one's peace of mind and protection, in case the unexpected happens. In the event of your death, life insurance can pay out a cash lump sum, which could give your loved one's financial support.
There are two main types of life insurance policy:
The benefits of taking out a life insurance policy:
View our life insurance page for more information about our products and policy terms.
Income protection insurance provides cover if you are can't work due to a serious illness or injury. The policy replaces part of your income, if you can’t work because of an illness or disability covered by your policy. You may be able to receive payments until you can start working again, you retire, die or the policy term ends.
The benefits of income protection insurance:
There’s often a waiting period before payments start. Generally, after your sick pay ends or after other insurance stops covering you. The longer you wait, the lower the monthly premiums. Income protection insurance is not the same as payment protection insurance (PPI).
A critical illness policy provides a lump sum payment if you are diagnosed with a serious or life changing illness. This payment could help you and your loved ones with medical expenses, loss of income and the day-to-day costs, letting you focus on your health and wellbeing.
The benefits of critical illness cover:
See our critical illness insurance page for more information about our products and policy terms.
Our protection plans are provided by Scottish Widows, which, like us, is part of the Lloyds Banking Group. Scottish Widows protection products have no cash-in value at any time. If the policy amount has not been paid out by the end of the selected term, the policy will end, and you’ll get nothing back. If you don’t pay your premiums on time your cover will stop, your policy will end, and you’ll get nothing back.