Life insurance and critical illness cover

It takes about 15 minutes to apply. We’ll ask a few questions about your health and lifestyle, then give you an instant decision

Everything you’ll need

  • Information about yours and your family’s health.
  • To know the amount of cover you need and how long you’ll like to have it.
  • Your bank details, so we can set up Direct Debit payments.

Remember: to apply online, you need to be aged between 18-59 and live in the UK.

Get cover in a way that suits you

Online

This cover is available for both new and existing Bank of Scotland customers:

  • life or critical illness cover* up to £500,000
  • single cover for one person 
  • level cover - the cash pay-out stays the same until the policy ends. This means you always know how much cover you’ll have if you need it.

*Critical Illness cover includes an early-stage cancer payment of £5,000, on top of the agreed lump sum.

Scottish Widows provide our life and critical illness policies.

If you're already registered for online banking, the simplest way to get a quote is to log in. We'll pre-fill your personal details to speed up things for you and save your application as you go.

Let’s get started

Phone

Speak to a Bank of Scotland protection expert if you are looking for help with:

  • life insurance up to £18 million, including terminal illness cover
  • critical illness cover up to £3 million, including early stage illness and children’s cover up to £30,000
  • level or decreasing cover
  • single cover for one person, or joint cover for two.

They'll give you advice on Scottish Widows life insurance and/or critical illness policies.

They won't charge you for their help and you do not need to take the product when you speak to them.

Call us on: 0345 307 3806

Lines are open Monday to Thursday 9am – 7pm, Friday 9am – 6pm.

Or ask for a call-back at a time that is suitable for you.

Lloyds Bank Insurance Services Limited provides this service, which is also part of Lloyds Banking Group.

Request a call-back

  • Give Scottish Widows a call.

    0345 608 0378

    Lines are open 9am to 5pm, Monday to Friday.

    Calls are recorded to help improve this service. Call costs may vary depending on your provider.

  • Our Bank of Scotland protection experts are here to help find the cover that is right for you.​

    They'll help you with Scottish Widows life insurance policies, critical illness cover, or both.​

    They won't charge you for their support and you don't need to take the product as a result of speaking to them.​

    Call: 0345 307 3806​

    Lines are open Monday to Thursday 9am to 7pm, Friday 9am to 6pm.​

    Lloyds Bank Insurance Services Limited provides this service, which is also part of Lloyds Banking Group.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.