Life cover

Life cover from Scottish Widows. For your loved ones and for your peace of mind.

What is life cover?

Life cover pays out a cash lump sum if you die before your policy ends. It could help your loved ones cope financially after you're gone.

Do I need life cover?

Life cover might be right for you if:

  • you have children or loved ones who rely on your income
  • you have other dependants who might struggle to get by without you
  • you’re the main earner in your family
  • you have long-term debts, like a mortgage
  • you’d like to leave something for your loved ones after you’re gone.

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How much cover do I need?

How much cover do I need?

We’ll help you work out how much cover could be right for you.

Calculate my cover Calculate my cover

What is life insurance?

Image of man next to text asking What is life insurance?

Watch this short video to understand more about life insurance.


How long should I get cover for?

It might help to think about life’s milestones, like the number of years until:

  • your children are 18
  • your mortgage is paid off
  • you reach state pension age.

Scottish Widows can offer cover from 5 to 40 years, up to age 69.

How much does it cost?

The amount you pay each month depends on the length of your policy and the size of the cash lump sum that gets paid out when a claim is made. The price might also change based on your age, health and lifestyle.



Get protected by experts

Scottish Widows provide our life insurance 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:

scottish widows banner image.

98% of claims paid out

Scottish Widows paid out 98% of claims in 2023. That’s £243 million in total.

Support when you need it

Scottish Widows works closely with partners like Macmillan Cancer support.

Over 200 years of experience

Scottish Widows has been protecting customers for over 200 years. So you’re in safe hands.

Scottish Widows protection products have no cash-in value at any time. So if the policy ends without a claim, you won't get any money back. If you don't make payments on time, your cover will stop, your policy will end and you'll get nothing back.

What else do I need to know?

You need to be a UK resident, 18 or over, and under 60 to apply. Before you get a policy, check that it’s right for you. Make sure your loved ones will get the support they need after you’re gone.

With life cover you can:

  • get a cash lump sum if you die before your policy ends
  • choose an amount and duration that are right for you
  • cancel at any time, free of charge.

With life cover you can't:

  • get any money back unless you make a claim
  • change your policy after it has started
  • keep your cover if you miss your monthly payments.

Get a quote today

Get a quote today

Take a look at at how you can apply for a quote using our App.

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Life insurance policy documents

Find out how our life insurance can help you and your loved ones. These documents tell you how our policies work and what they cover.

Life insurance policy summary

Find out more about what this policy covers and how it works.

Download policy summary. (PDF, 673KB) (opens in a new window.)

Life insurance policy terms & conditions

Check the terms and conditions to make sure this is the right cover for you.

Download terms and conditions. (PDF, 641KB) (opens in a new window.)

Should I get critical illness cover with life cover?

Should I get critical illness cover with life cover?

Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends. It could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.

More about critical illness cover More about critical illness cover.