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Life insurance
Life insurance could be the most important financial product you ever buy.
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Protect what matters most
It’s not easy to think about something happening to you. But having a plan could be the difference between your family maintaining their lifestyle and paying off the mortgage, or losing their home.
We provide life cover and critical illness cover. You can take out either or both of these types of cover.
The cover you need
Life cover
Life cover could pay out a cash lump sum if you die before your policy ends.
It can act as a safety net and could help your loved ones cope financially when you can’t be there.
Critical Illness Cover
Critical illness cover (also called body cover) could pay out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends.
The money could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.
Compare life insurance
Compare our two life insurance policies: Plan & Protect and Scottish Widows Protect.
|
FEATURES |
PLAN & PROTECT |
SCOTTISH WIDOWS PROTECT |
|---|---|---|
|
FEATURES Life cover available |
PLAN & PROTECT Yes |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Critical illness cover available |
PLAN & PROTECT Yes |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Income protection available |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Minimum age to start a policy |
PLAN & PROTECT 18 |
SCOTTISH WIDOWS PROTECT 18 |
|
FEATURES Maximum age to start a policy: |
PLAN & PROTECT - |
SCOTTISH WIDOWS PROTECT - |
|
FEATURES
|
PLAN & PROTECT 59 |
SCOTTISH WIDOWS PROTECT 79 |
|
FEATURES
|
PLAN & PROTECT 59 |
SCOTTISH WIDOWS PROTECT 64 |
|
FEATURES
|
PLAN & PROTECT NA |
SCOTTISH WIDOWS PROTECT 59 |
|
FEATURES Age when policy ends: |
PLAN & PROTECT - |
SCOTTISH WIDOWS PROTECT - |
|
FEATURES
|
PLAN & PROTECT 70 |
SCOTTISH WIDOWS PROTECT 90 |
|
FEATURES
|
PLAN & PROTECT 70 |
SCOTTISH WIDOWS PROTECT 70 |
|
FEATURES
|
PLAN & PROTECT NA |
SCOTTISH WIDOWS PROTECT 70 |
|
FEATURES Level cover available |
PLAN & PROTECT Yes |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Increasing cover available |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Decreasing cover available |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Maximum amount of cover: |
PLAN & PROTECT - |
SCOTTISH WIDOWS PROTECT - |
|
FEATURES
|
PLAN & PROTECT Total of £500,000 |
SCOTTISH WIDOWS PROTECT
|
|
FEATURES
|
PLAN & PROTECT NA |
SCOTTISH WIDOWS PROTECT
|
|
FEATURES
|
PLAN & PROTECT Total of £500,000 |
SCOTTISH WIDOWS PROTECT £3 million |
|
FEATURES Cover for children up to 22 years old |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Scottish Widows Care included |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Free accidental death cover while we process your application |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Free mortgage cover while we process your application |
PLAN & PROTECT No |
SCOTTISH WIDOWS PROTECT Yes |
|
FEATURES Policy summaries |
PLAN & PROTECT |
SCOTTISH WIDOWS PROTECT |
|
FEATURES Get a quote |
PLAN & PROTECT |
SCOTTISH WIDOWS PROTECT |
*The maximum amount of cover for Scottish Widows Protect life cover with increasing cover is £7.2 million, with annual increases allowed up to a total of £18 million.
Your cover options
There are different types of cover depending on what you might need it for.
|
COVER OPTION |
WHAT THIS MEANS |
WHY YOU MIGHT NEED IT |
|---|---|---|
|
COVER OPTION Level cover |
WHAT THIS MEANS The amount of cover you choose and your premium will remain the same through the term of your policy. |
WHY YOU MIGHT NEED IT The amount of cover won’t change over time so you and your family know how much will be received in the event of a claim. |
|
COVER OPTION Decreasing cover |
WHAT THIS MEANS The amount of cover you choose reduces each month, but your premium remains the same. |
WHY YOU MIGHT NEED IT This is normally chosen to cover a repayment mortgage. |
|
COVER OPTION Increasing cover |
WHAT THIS MEANS The amount of cover you choose increases each year in line with the Retail Prices Index (RPI). Your premium will also increase for this type of cover. This means that your cover amount stays in line with inflation. |
WHY YOU MIGHT NEED IT As this type of cover stays in line with inflation, it is designed to combat price rises, maintaining its real value throughout the term. |
When’s the right time to get life insurance?
Big life changes can make you think: how do you protect yourself and love ones from the unexpected?
Life insurance policies have no cash-in value at any time. If you don’t pay your premiums on time your cover will stop, your policy will end and you’ll get nothing back. If the sum assured has not been paid out by the end of the selected term, the policy will end and you’ll get nothing back.
Help and support
Learn the basics of life insurance
Get answers to your most commonly asked questions and understand the basics on life insurance and critical illness with life cover.