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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.
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.
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.
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.
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.
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
Decreasing cover
Cover reduced but payments stay the same
