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We can offer level or decreasing cover for both life insurance and critical illness cover. Here’s what they mean:
Level cover means that the cash pay-out stays the same until your policy ends, so you'll pay the same amount each month.
Decreasing cover means that the cash payout goes down each month until your policy ends. You'll pay the same amount each month, and it's usually cheaper than other kinds of cover.
Scottish Widows provide our life and critical illness cover. They're a part of Lloyds Banking Group, like us. Scottish Widows are experts, and they've been protecting what matters most for over 200 years.
Here are a few reasons why they could be the right choice to protect you and your loved ones:
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.
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 your home.
We want to make sure you get the help you need.
To get advice about mortgage protection, contact Cavendish Online. They can help find cover that’s right for you and your loved ones.
Cavendish Online won't charge you for their advice, and you're under no obligation when you speak to them.
Call Cavendish Online on:
Lines are open Monday to Thursday 9am - 7pm, Friday 9am - 6pm.
Cavendish Online is a part of Lloyds Banking Group.
They'll give you advice on Scottish Widows life insurance and critical illness cover products.
This kind of insurance covers two people, but if only pays out once. So, if one person dies before the policy ends, the money paid out will go to the other person. Then the cover will end.
The policy will only pay out when a claim is made. So, for life insurance, it only pays out if you die before your policy ends. For critical illness cover, it only pays out if you are diagnosed with an illness covered by your policy.
No, your policy will only pay out if a successful claim needs to be made. If your policy expires without a claim, your cover will terminate, and you will not receive any money back.