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 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 when you speak to them.

Call us on: 0800 131 0550

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.

  • If you’d like any support, contact our Bank of Scotland protection experts. They can help find cover that’s right for you and your loved ones.

    They can support you with finding Scottish Widows protection policies. They won’t charge you for their help, and you’re under no obligation when you speak to them.

    Call: 0800 131 0550

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