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Life insurance
Life insurance from Scottish Widows. For your loved ones and for your peace of mind. Get a quote today.
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Life insurance can act like a safety net. It pays out a cash lump sum if you die before your policy ends. So it could help your loved ones cope financially when you can't be there.
A life insurance policy can give you peace of mind that you've protected what matters most.
Are you eligible for life insurance?
To apply for cover, you must be:
- a UK resident
- 18 years of age or older.
You do not need a medical exam, and you will get your decision the same day.
Protect your loved ones and get a gift card up to £200
Buy a policy online and make three monthly payments. Then you’ll be able to choose a gift card from over 140 retailers.
The value of the gift card you receive will be based on your premium amount.
See our Terms and Conditions for full details.
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Life insurance might be right for you if you:
- have children or loved ones who rely on your income
- have other dependents who might struggle to get by without you
- are the main earner in your family
- have a mortgage or other debts.
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It might help to think about the kind of support your loved ones would need, if you couldn’t be there. Things like:
- helping with day-to-day costs
- paying off any debts you may have, like a mortgage
- leaving money for the future.
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The amount of cover that's right for you depends on a few factors. In case of your death, what kind of support would your loved ones need? You can pick the amount cover that’s right for you and your loved ones.
Want help with working out what you need? Try our life insurance calculator.
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It might help to think about life’s milestones, like the number of years until:
- your children turn 18
- your mortgage is paid off
- you reach state pension age.
You can get cover from 5 to 40 years, up to age 69.
Download our policy guides:
Get covered today
This table below shows what the price might be, based on your age group. It shows how the monthly cost you pay for life insurance can be lower if you take it out sooner.
50% of Halifax customers paid these prices or less for Plan and Protect policies bought online between 31 Aug 22 and 31 Aug 23.
Prices are based on single level life insurance.
Prices may be higher or lower subject to underwriting criteria that depend on personal circumstances and are subject to change.
What's the right time to get life insurance?
The significant changes in life can give you a good chance to think about how you can protect your loved ones from the unexpected.
Level cover - cover and payments stay the same
How does level cover work?
Level cover means that the cash pay-out stays the same until your policy ends. You'll pay the same amount each month.
What’s the benefit of level cover?
With level cover, the amount that gets paid out if a successful claim is made won't change. So you and your loved ones will always know how much cover you'll have in case the unexpected happens.
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.
Need to speak to someone?
Cavendish Online is here to help find the cover that is right for you.
Like us, they are part of Lloyds Banking Group. They'll give you guidance on Scottish Widows life insurance and/or critical illness policies.
Trustpilot rate them as 'Excellent' 4.9/5.
They won't charge you for their guidance and you do not need to take the product as a result of speaking to them.
Call: 0800 131 0299
Lines are open Monday to Thursday 10am -7pm, Friday 10am- 6pm.
Or request a call-back at a time that suits you.
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Life insurance could pay out a cash lump sum if you die before your policy ends. It's designed to help your loved ones cope financially when you can't be there.
When you apply for your policy, you’ll select the size of the cash lump sum that will get paid out when a claim is made. You’ll also select how long you want to be covered.
You’ll pay a fixed amount each month by Direct Debit, until your policy ends. Your policy doesn’t have a cash-in value. This means that if it ends without a claim, then you won’t get the money back.
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Scottish Widows might not be able to help if you have a pre-existing condition. But if they can't offer you a policy, they'll let you know how to get more help or advice.
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We want to make sure you get the help you need.
To get advice about life insurance, contact Cavendish Online. They can help find cover that’s right for you and your loved ones.
Cavendish Online won't charge you for their advice, and you're under no obligation when you speak to them.
Call Cavendish Online on:
Lines are open Monday to Thursday 9am - 7pm, Friday 9am - 6pm.
Cavendish Online is a part of Lloyds Banking Group. They'll give you advice on Scottish Widows protection products.
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Life insurance costs vary according to how much cover you need, your age, and other factors such as your health history.
The price will also change based on your age, health and lifestyle. You’ll pay a fixed amount each month until your policy ends.
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No. Your policy only pays out if you make a successful claim. If your policy ends without a successful claim, then your cover will end, and you won’t get any money back.
Make sure you pay each month on time, or your cover could stop.