Life cover

Life cover from Scottish Widows. For your loved ones and for your peace of mind.


What is life cover?

Life cover pays out a cash lump sum if you die before your policy ends. It could help your loved ones cope financially after you're gone.

Do I need life cover?

Life cover might be right for you if:

  • you have children or loved ones who rely on your income
  • you have other dependants who might struggle to get by without you
  • you’re the main earner in your family
  • you have long-term debts, like a mortgage
  • you’d like to leave something for your loved ones after you’re gone.

Get your quote now


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 is life insurance?

Watch this short video to understand more about life insurance.



How long should I get cover for?

It might help to think about life’s milestones, like the number of years until:

  • your children are 18
  • your mortgage is paid off
  • you reach state pension age.

Scottish Widows can offer cover from 5 to 40 years, up to age 69.

How much does it cost?

The amount you pay each month depends on the length of your policy and the size of the cash lump sum that gets paid out when a claim is made. The price might also change based on your age, health and lifestyle.





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. 
98% of claims paid in 2022 with umbrella image


What else do I need to know?

You need to be a UK resident, 18 or over, and under 60 to apply. Before you get a policy, check that it’s right for you. Make sure your loved ones will get the support they need after you’re gone.

With life cover you can:

  • get a cash lump sum if you die before your policy ends
  • choose an amount and duration that are right for you
  • cancel at any time, free of charge.  

With life cover you can’t:

  • get any money back unless you make a claim
  • change your policy after it has started
  • keep your cover if you miss your monthly payments.

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.

Request a call back

Get a quote today

Get a quote today

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

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Cover types explained

When you look for a policy, you might see the terms like ‘level’ or ‘decreasing’ cover. Let's explain what they mean.


Level cover

Cover and payments stay the same

Graph showing cover remaining at same level

How does level cover work?

Level cover means that the cash pay-out stays the same until your policy ends. You'll pay the same amount each month.

What’s the benefit of level cover?

With level cover, the amount that gets paid out if you die won't change. So you and your loved ones will always know how much cover you'll have in case the unexpected happens.

How can I apply for level cover?

Apply for a quote in our mobile banking app.

Get your quote now Get your quote now


Decreasing cover

Cover reduced but payments stay the same

Graph showing cover decreasing over time.

How does decreasing cover work?

Decreasing cover means that the cash pay-out goes down each month until your policy ends. You'll pay the same amount each month.

What’s the benefit of decreasing cover?

Decreasing cover is usually a cheaper kind of cover. It's often used to protect a repayment mortgage. As you pay off your mortgage, the outstanding amount will go down. So the amount that your cover pays out when you die will go down, too. If you mainly need cover for your mortgage, you could get the support you need and pay less each month than level cover.

How can I apply for decreasing cover?

We don’t currently have an online quote journey for decreasing cover, but we want to make sure you have the support you need.  That’s where our mortgage and protection advisors or Cavendish Online can help.

Learn about mortgage cover Learn about mortgage cover

Should I get critical illness cover with life cover?

Should I get critical illness cover with life cover?

Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends. It could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.

More about critical illness cover