Life Insurance Quote

Get a quote in 10 minutes

Apply for a Life insurance and critical illness quote today.  It’s quick and easy and Scottish Widows will let you know how they can help instantly.

Get a £100 Gift Card when you take out a policy online. Choose from:

Asda logo
Sainsbury's logo
Tesco logo

Take out a Plan and Protect policy online. You’ll receive your gift card once you pay a minimum of six monthly premiums and total payments of £100 or more. We can withdraw this offer at any time.
Terms and conditions apply.

If you are already a Lloyds Bank customer getting a quote is simple

If you are already a Lloyds Bank customer getting a quote is simple

 
  • Log on to Internet Banking or our mobile banking app to apply for a life insurance or critical illness cover quote
  • Answer a few questions about your health and wellbeing
  • Get cover in under 10 minutes , no need for medical check up or sending extra information
  • Choose the cash lump sum that will get paid out when a claim is made and how long you want to be covered.

 

Log on to Internet Banking to get or retrieve a quote

  • You will need your username and password to login
  • Just look for "Life Insurance" under Insurance in the Product menu to start.

 

Get your quote now Retrieve a quote

Alternatively, apply for or retrieve a quote in our app

  • Log on to your mobile banking app 
  • Select Life Insurance in the apply menu.

 

Get it on Google Pay  Apple App Store

Step by step guide to setting up the app.

 

Need help to get online?

Banking online is simple and safe with our mobile app or a browser.

How to get onlineOnline Banking

I'm new to Lloyds Bank

Our online quote is only available to our customers at the moment.

Contact LifesearchContact Lifesearch

Additional Help

  • How does life insurance work?

    Life insurance pays out a cash lump sum if you die before your policy ends. It's designed to help your loved ones cope financially when you can't be there.

    When you apply for your policy, you’ll choose the size of the cash lump sum that will get paid out when a claim is made. You’ll also choose how long you want to be covered.

    You’ll pay a fixed amount each month by Direct Debit, until your policy ends. Your policy doesn’t have a cash-in value. This means that if it ends without a claim, then you won’t get the money back.

    Make sure you pay each month on time, or your cover will stop and you’ll get nothing back. 

    Is life insurance the same as life assurance?

    Both of these can help support your loved ones after your death, but there are some differences.

    Life insurance covers you for a fixed period. It pays out a cash lump sum if you die before the policy ends. After the policy ends, it won't pay out when you die.

    Life assurance usually covers you for your whole life, so it's sometimes called 'whole of life cover'. It tends to cost more than life insurance.

    We don’t offer life assurance to Lloyds Bank customers just now.

    What is whole of life cover?

    This kind of cover is also called ‘life assurance’ and is different to life insurance. It pays out after your death and there's no policy end date, so it covers you for your entire life. It tends to cost more than life insurance.

     

  • Do I need to get life insurance if I have a mortgage?

    Some lenders might ask you to get life insurance when you apply for a mortgage. In any case, you should think about what's best for you and your loved ones. If you were to die, life insurance could help pay off your mortgage and allow your loved ones to keep their home.

    Can I change my policy after it starts?

    You can’t change your policy after it has started. So make sure the amount and duration are right for you.

    What if I have a pre-existing medical condition?

    Scottish Widows might not be able to help if you have a pre-existing condition. But if they can't offer you a policy, they’ll let you know how to get more help or advice.

    Where can I get advice?

    We can’t provide advice or tell you what to do, but we want to make sure you get the help you need.

    To get advice about life insurance, contact LifeSearch. They can help find cover that’s right for you and your loved ones.

    LifeSearch won't charge you for their advice, and you're under no obligation when you speak to them.

    Call LifeSearch on:

    0800 804 6826

    Lines are open Monday to Thursday 8am - 8pm, Friday 8am - 6pm, Saturday 9am - 2pm.

    LifeSearch is not a part of Lloyds Banking Group. They will provide you with advice on Scottish Widows protection products.

     

  • Who can apply?

    For now this cover is just for Lloyds Bank customers. You need to be a UK resident, 18 or over, and under 60 to apply.

    What do you need from me?

    We will only ask you a few essential questions about your health and lifestyle. You won’t need to have a medical check-up or send any extra info. Make sure your answers are true and complete. If anything you tell us is wrong, we might not be able to pay your claim.

    Do I need to have a medical check-up to apply?

    No, you just need to answer a few questions online.

    How long will it take Scottish Widows to decide if they can help me?

    You will get an instant decision.

    When will my cover start?

    If your application is successful, It'll start the same day you apply.

    Who provides this policy?

    This policy is provided by Scottish Widows, who are a part of Lloyds Banking Group, like us. They’re life insurance experts, and they’ve been protecting what matters most for over 200 years.

    Can I get a life insurance quote from you if I’m not a Lloyds Bank customer?

    For now we can only offer quotes to our customers.

     

  • How do I make a claim?

    We want to make sure it’s as easy as possible to make a claim. Your policy documents will explain how. To start a claim, just go to our existing customers page

    When does the policy pay out?

    The policy will only pay out when a claim is made. So for life insurance, it only pays out if you die while you're covered. For critical illness cover, it only pays out if you are diagnosed with an illness covered by your policy.

    Will I get any money back when my policy ends?

    No. Your policy only pays out if a claim needs to be made. If your policy ends without a claim, then your cover will end and you won’t get money back.

    Make sure you pay each month on time, or your cover will stop and you’ll get nothing back.

    What about tax?

    The cash lump sum your policy pays out is free from income and capital gains tax. It might be liable for inheritance tax (IHT). You can set up your policy to avoid IHT by writing it in trust. A solicitor can help you to do this.

     

FSCS protected logo

 

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.