Life insurance and critical illness cover

Before you start.

What to expect:

We’ll ask a few questions about your health and lifestyle, then give you an instant decision.

It takes about 10 minutes to apply. We can’t save your application, so make sure you have enough time before you start.

What you’ll need:

  • Details about your health and your family’s health.
  • The amount of cover you need, and how long you’d like to have it.
  • Your bank details to set up Direct Debit payments.

Get cover in a way that suits you


This cover is available for both new and existing Lloyds Bank customers. You need to be between 18-59 and live in the UK to apply online for:

  • life or critical illness cover* up to £500,000
  • single cover for one person 
  • level cover - the cash pay-out stays the same until the policy ends. This means you always know how much cover you’ll have if you need it.

*Critical Illness cover includes an early-stage cancer payment of £5,000, on top of the agreed lump sum.

Scottish Widows provide our life and critical illness policies.

Let's get started Let's get started.


Speak to one of our experts at Cavendish Online if you are looking for guidance on:

  • life insurance up to £25 million, including terminal illness cover
  • critical illness cover up to £3 million, including early stage illness and children’s cover up to £30,000
  • level or decreasing cover –with decreasing cover the cash pay-out goes down each month. This is in a similar way to the amount owed on a repayment mortgage
  • single cover for one person, or joint cover for two.

Scottish Widows provide our life and critical illness policies.

Like us Cavendish Online is part of Lloyds Banking Group. They won't charge you for their help and you do not need to take a product when you speak to them.

Contact Cavendish Online on: 0800 131 0729

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

Or ask for a callback at a time that is suitable for you.

Request a call back Request a call back.
  • If you need more info, give Scottish Widows a call. They’ll be happy to help.

    0345 608 0378

    Lines are open 9am to 5pm, Monday to Friday.

    Calls are recorded to help improve this service. Call costs may vary depending on your provider.

  • If you’d like advice, then contact Cavendish Online. They can help find cover that’s right for you and your loved ones.

    Cavendish Online can advise you on Scottish Widows protection policies. They won’t charge you for their advice, and you’re under no obligation when you speak to them.

    Call Cavendish Online on:

    0800 131 0012

    Lines are open Monday to Thursday, 9am – 7pm, Friday 9am – 6pm.

    Cavendish Online is a part of Lloyds Banking Group.