Access Keys


Quick links


Scottish widows protect: Personal Protection

  1. Overview
  2. Scottish Widows Care
  3. How to claim

Personal protection Overview

With Scottish Widows Protect, you can choose from various types of cover to help protect yourself and your loved ones financially should the worst happen. Your plan is also flexible so you can apply to update it as your protection needs change, for example, getting married, moving house or having a baby.

The cover we offer:

Life Cover
A Life Cover policy can pay out a cash lump sum or a monthly income if you die or you are diagnosed with a terminal illness during the term of the policy.

  • Terminal illness cover is included in your policy at no extra cost
  • Free Mortgage Cover or Free Accidental Death Cover may be available while your application is being processed
  • You can choose from level, increasing or decreasing cover
  • You can choose to include Premium Protection for an additional cost. This means that we will pay your premiums if you have a valid claim, for instance if you become sick or have an accident that results in you being unable to work for 26 weeks or more.

Whole of Life Cover
A whole of life policy will pay out a cash lump sum when you die.

  • Free Mortgage Cover or Free Accidental Death Cover may be available while your application is being processed
  • You can choose from level or increasing cover
  • You can choose to include Premium Protection for an additional cost. This means that we will pay your premiums if, for example, you become sick or have an accident that results in you being unable to work for 26 weeks or more.

Life with Critical Illness Cover
A Life with Critical Illness Cover policy can pay out a cash lump sum or a monthly income if you die or you are diagnosed with a specified critical illness, or a terminal illness during the term of the policy.

  • 49 critical illness conditions covered
  • Free Mortgage Cover or Free Accidental Death Cover may be available while your application is being processed
  • Terminal Illness Cover is included in your policy at no extra cost
  • Children's Critical Illness Cover is automatically included at no extra cost
  • Children's Life Cover is automatically included at no extra cost
  • You can choose from level, increasing or decreasing cover
  • You can choose to include Premium Protection for an additional cost. This means that we will pay your premiums if you have a valid claim, for instance, you become sick or have an accident that results in you being unable to work for 26 weeks or more.

Critical Illness Cover
A Critical Illness Cover policy can pay out a cash lump sum or a monthly income if you are diagnosed with a specified critical illness during the term of the policy.

  • 49 critical illness conditions covered
  • Free Mortgage Cover may be available while your application is being processed
  • Children's Critical Illness Cover is automatically included at no extra cost
  • Children's Life Cover included is automatically included at no extra cost
  • You can choose from level, increasing or decreasing cover
  • You can choose to include Premium Protection for an additional cost. This means that we will pay your premiums if you have a valid claim, for instance, you become sick or have an accident that results in you being unable to work for 26 weeks or more.

Further details can be found in the key features document

If you need more information about protection or you would like to take out a Scottish Widows Protect plan please speak to your financial adviser.