Life Insurance
Life cover and critical illness cover. Plan for the future, live for today.


What is life insurance?

Life insurance can give you protection and peace of mind, in case the unexpected happens. If you were to die or fall seriously ill, your life insurance can pay out a cash lump sum which could help you or your loved ones to cope financially.

To be eligible for Life insurance you need to be a UK resident, 18 or over, and under 60.

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Did you know?

Did you know?

You can choose the amount that gets paid out when a claim is made, up to £500,000. Your loved ones could use the money to pay off the mortgage or to keep up with bills and living costs.

Find out how much cover might be right for you.

Calculate my cover

Types of life insurance

Find out more about what kind of cover is right for you and your loved ones.

Life cover

Life cover pays out a cash lump sum if you die before your policy ends.

Critical illness cover

Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends.

Mortgage cover

This type of cover pays out a cash lump sum to help pay off your mortgage if you die before your policy ends.


Infographic visualising level cover

Let our experts take care of it

Our life insurance is arranged by Scottish Widows. They are a part of Lloyds Banking Group, like us. Scottish Widows are our life insurance experts, and they have been protecting what matters most for over 200 years.

Scottish Widows are:

  • Reliable - Scottish Widows paid out 98% of claims in 2022. That’s £199m in total.
  • Experienced - Scottish Widows has been protecting customers for over 200 years. So you’re in safe hands.
  • Supportive - Scottish Widows works closely with partners like Macmillan. They help make sure our customers get the right help, at the right time. 
Scottish Widows paid 98% of claims in 2022

How much cover do I need?

How much cover do I need?

We’ll help you work out how much cover could be right for you.

Calculate my cover


What’s the right time to get life insurance?

The big changes in life can give you a good chance to think about how you can protect yourself and your loved ones from the unexpected.

Changing jobs

If your income changes, you might want to think how this could affect the cover you and your loved ones would need.

Having children

When you have a child, getting cover could make sure that they'll be protected if anything happens to you.

Getting a mortgage

If something happens to you, your cover could pay out a cash lump sum to help your loved ones pay off the mortgage.

Getting married

This can be a good time to think about how cover could help to protect your partner in case of the unexpected.

Planning your funeral

We don't like to think about it, but funerals can be expensive. Your cover could help your loved ones with these costs.

Being a carer

There might be others who rely on you or your income. Your cover could protect them too.


Want to speak to someone?

Cavendish Online is here to help find the cover that is right for you.

Like us they are part of Lloyds Banking Group. They'll give you guidance on Scottish Widows life insurance and/or critical illness policies.

Trustpilot rate them as 'Excellent' 4.9/5.

They won't charge you for their guidance and you do not need to take the product as a result of speaking to them.

Call: 0800 131 0297

Lines are open Monday to Thursday 10am-7pm, Friday 10am-6pm.

Or request a call back at a time that suits you.

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Find out how to get a quote.

Find out how to get a quote.

Take a look at how you can apply for a quote using our App.

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What is life insurance?



Watch this short video to understand more about life insurance.



What is critical illness cover?



This video will take you through more detail on critical illness cover.