A man and his son

When life throws you a curveball

Be prepared with life insurance, critical illness cover or income protection.

Life can be unpredictable. But you can face into it with confidence when you’ve got protection in your corner.

 

A man and his son

Your cover options

Life insurance and critical illness cover

Life insurance and critical illness cover can pay out a cash lump sum. The money can be used to help support your family if you pass away, or to help maintain your lifestyle if you get an illness covered by your policy before it ends.

Apply online and get an instant decision on:

  • single level cover, for one person
  • cover up to £500,000.

Policies are provided by Scottish Widows. You need to be a UK resident aged between 18 and 59.

Log on to get a quote

You can also apply on our website.

Or, talk to one of our protection experts who can help with:

  • level or decreasing cover
  • single cover for one person or joint cover for couples
  • life cover up to £18 million and critical illness cover up to £3 million.

Policies are provided by Scottish Widows. You need to be a UK resident aged between 18 and 79.

Call 0800 131 0552

Request a callback

Income protection

Income protection can give you a monthly, tax-free payment if you’re not able to work because of an illness or injury.

Talk to one of our protection experts who can help with:

  • level or increasing cover options
  • cover of up to 60% of the first £70,000 earnings, and 45% of the remaining earnings beyond that.

Income protection doesn’t pay if you’re off work for other reasons like unemployment or redundancy.

Policies are provided by Scottish Widows. You need to be a UK resident aged between 18 and 59, work on average 16 hours a week and have been registered with a UK GP for at least two years.

Call 0800 131 0552

Request a callback

Our protection experts

Our team of protection experts are ready to take your call and chat to you about all your protection needs. You won’t be charged for their help, and you don’t have to take out a policy when you speak to them.

Lloyds Bank Insurance Services Limited provides this service, which is also part of Lloyds Banking Group. Lines are open Monday to Thursday 9am to 7pm, Friday 9am to 6pm. Calls are monitored and recorded.

Enjoy 12 months of Disney+ on us!

 

Get 12 months of Disney+ (Standard With Ads) when you purchase a new protection policy directly with us.

With blockbuster movies, new originals, and much-loved shows, there’s something for everyone to enjoy.

Stream endless entertainment and relax, knowing we've got you covered.

Your subscription starts after you make your first payment.

We can amend or withdraw this offer at any time. Terms and conditions apply.

What else do I need to know?

  • To be eligible you need to be a UK resident.
  • You can cancel at any time, free of charge.
  • You can select the amount and length of your policy.
  • You won’t get any money back unless a successful claim is made.
  • You can’t make changes to your policy after it’s started if purchased online.
  • You must continue to make your monthly payments to keep your policy active.

The different levels of cover

Level cover

You pay the same amount each month and the payout stays the same until the end of your policy. It means you’ll always know what the payout will be if you make a successful claim.

You can get level cover with life insurance, critical illness and income protection.

Decreasing cover

You pay the same amount each month, but the payout goes down over time, a bit like a mortgage balance. This type of cover is often used to protect a repayment mortgage.

You can get decreasing cover with life insurance and critical illness cover, bought over the phone.

Increasing cover

Your payments go up over time, and so does the cover amount. The aim is to help match increases in the cost of living. Payments go up by a slightly higher rate than the cover amount.

You can get increasing cover with income protection only.

Carla's story

You never know what’s around the corner

Carla, was diagnosed with cancer at 35. Thankfully, she had critical illness cover.

Here's her story.

Woman talking.

Get protected by experts

An image of the Scottish Widows logo.

Scottish Widows provide our life insurance, critical illness and income protection policies. They’re our protection experts, and like us, are part of Lloyds Banking Group.

Here are a few reasons why they could be the right choice for you:

  • 98% of claims paid out.
  • They’re partnered with Macmillan Cancer Support.
  • They're rated 'excellent' on Trustpilot (April 2025).

Source: Scottish Widows claims 2024

Scottish Widows products have no cash-in value at any time. So if the policy ends without a claim, you won't get any money back. If you don't make payments on time, your cover will stop, your policy will end and you'll get nothing back.

Get a quote for single level cover online

For full details of what Digital Plan and Protect covers, read the Life Cover Policy summary (PDF, 399KB) and Critical Illness Policy summary (PDF, 599KB).

 

Get your quote Get your quote

Talk to a protection expert

For full details of what Scottish Widows Protect Life and Critical Illness covers, read the Policy summary (PDF, 904KB).

For full details of what Scottish Widows Income Protection covers, read the Policy summary (PDF 1MB).

Request a callback Request a callback

Let’s look at the details

  • Life insurance can help give your family financial protection if you pass away during the term of your policy.

    It can pay out a lump sum of money to help those you love to maintain their standard of living and keep paying the bills.

  • Critical illness cover can help give you peace of mind by paying out a cash lump sum if you’re diagnosed with a serious illness covered by your policy before it ends. 

    The lump sum you receive can go towards whatever you like, meaning you can focus on your health and wellbeing.

  • An illness or an injury that stops you from working could affect your finances, especially if you’re self-employed.

    Income protection cover gives you a tax-free monthly payment to help you if a health condition, accident or injury affects your ability to work.

  • If you’d like advice, contact our protection experts at Lloyds Bank.

    They can help find cover that’s right for you and your loved ones.

    They'll give you advice on Scottish Widows life and/or critical illness policies.

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

    Call: 0800 131 0552

    Lines are open Monday to Thursday, 9am to 7pm, Friday 9am to 6pm. Calls are monitored and recorded.

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

    Lloyds Bank Insurance Services Limited provides this service, which is also part of Lloyds Banking Group.

  • To make sure that your policy pays out to a specific person, you'll need to make a will or put your policy in a trust.

    Your will

    In your will, you can select who receives the money your policy pays out.

    Trusts

    A trust separates your policy from the rest of your estate, so it may be exempt from probate proceedings. It could also limit the amount of inheritance tax your defined beneficiaries need to pay.

    A solicitor can help you to create or change a will or trust. Just be aware that charges could apply. 

  • Our life insurance and critical illness cover is provided by Scottish Widows. They’re part of Lloyds Banking Group, like us. Scottish Widows are experts, and they’ve been protecting what matters most for over 200 years.