Life insurance

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What is life insurance?

Life insurance can provide financial security for your loved ones in the event of your death. Find out how life insurance works and whether it could help you.

Learn about life insurance What is life insurance?
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What is level term life insurance?

Level-term life insurance offers a set amount of insurance cover for a defined length of time. Get to know more about how it works.

Explore term life insurance Level term life insurance
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What is joint life insurance?

Joint life insurance covers you and another person on the same policy. See how it compares to single life insurance policies.

Guide to joint life insurance Guide to joint life insurance

Critical illness

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What is critical illness cover?

Critical illness cover can help protect your finances if you’re diagnosed with a serious condition listed in your policy. 

Understand how it works Understand how critical illness works.
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What's the difference between income protection and critical illness cover?

Both income protection and critical illness cover can provide a financial safety net if you’re unable to work. Compare the two to find out how they can help.

Compare the differences Compare the differences.

Help from the experts

Scottish Widows are our life insurance and critical illness cover experts. And, like us they're a part of Lloyds Banking Group. 

They could be the right choice to help protect you and your loved ones.

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Support when you need it

Scottish Widows works closely with partners like Macmillan Cancer support.

Over 200 years of experience

Scottish Widows has been protecting customers for over 200 years. So, you’re in safe hands.

Our life insurance and critical illness cover policies have no cash in value at any time. 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.