Go paper-free
Amend paper-free preferences for your statements and correspondence.
Life insurance
Protect the ones you love with life insurance from Scottish Widows.
Get your quote nowUnderstanding our life insurance
Types of life insurance
Get covered today
Scottish Widows provide our life insurance policies and are part of Lloyds Banking Group.
The cost of life insurance depends on things like your age, health and lifestyle. As well as the amount of cover and length of time you need it for. Premiums start from £5 a month* and you can get a quote online to get a better idea of how much your cover could cost you.
*6% of Lloyds Bank customers paid £5 a month for Plan and Protect life insurance bought online between 01 January 2024 to 31 December 2024. Price is based on single level life insurance, excluding critical illness cover, and is subject to underwriting criteria that depends on personal circumstances. Prices are subject to change.
Let’s look at the details
-
Apply online
You must be aged 18 to 59 and looking for up to £500,000 level term cover on a single life basis.
To apply over the phone
You must be aged 18 to 79 for life cover and 18 to 64 for critical illness cover. You can apply for up to £18 million in life insurance and up to £3 million in critical illness cover. This can be on a level, increasing or decreasing basis, single or joint life cover.
Lloyds protection experts can help you decide what you'll need and assist you with your quote. You'll receive details on Scottish Widows life insurance policies.
-
You can still get life insurance with existing medical conditions. However, acceptance depends on the health issues you have and it may cost more. Insurers are likely to view people with pre-existing conditions as higher risk when providing cover.
Life insurance companies review all policies on a case-by-case basis, taking into account your medical history. So, it can depend on your individual circumstances. Some conditions may have a bigger impact than others on how much you’ll have to pay.
If you have a serious medical condition, your options and the costs may be more limiting.
-
Changing jobs
Changes to your income could impact the level of cover you and your family need if the worst was to happen.
Growing your family
When your family grows, the need to protect them can change. This could be a good time to make sure they are in the best possible position if anything were to happen to you.
Buying your home
When buying your home, you may want to protect it. This could allow your loved ones to pay off the mortgage and stay in their home.
Getting married
This can be a good time to think about how cover could help to protect your partner in case of the unexpected.
Divorce/separation
Getting a divorce or separating is a significant life change and it can impact your financial situation and responsibilities.
Becoming a carer
There might be others who rely on you or your income. Your cover could protect them too.
-
Download or view our policy guides:
You may also like
Mortgages
Get to know more about the different types of mortgages we offer to help choose the right deal for you.
Protect your home
Keep your home protected with our insurance.
Life insurance in your pocket
Check your cover or manage your policy, anytime, in our app.