Life Cover

Personal Protection

Designed to pay a cash lump sum or a monthly family income if your client dies or is diagnosed with a terminal illness. Our Life Cover is part of our flexible menu plan. Choose a combination of covers with different amounts and terms, which can evolve to meet your clients’ changing needs.

Key features

  • Scottish Widows Care, provided in partnership with RedArc, gives long-term practical advice and emotional support to policyholders and their families, from day one.
  • Free Accidental Death Cover and Free Mortgage Cover while we process your clients’ application.
  • Free Replacement Cover on all joint life policies and Terminal Illness Cover at no extra cost.
  • Guaranteed Insurability Options so cover can increase without further medical underwriting.  

Get a quote

Create a new quote or add to an existing quote.

Get a quote

Or speak to a Scottish Widows consultant today

Key details

Basis of cover
  • Level - available as a lump sum or monthly family income benefit.
  • Increasing - available as a lump sum or monthly family income benefit. The sum assured will increase each year in line with the Retail Price Index (RPI). The increases will be at least 2% up to a maximum of 10%.
  • Decreasing - available as a lump sum. Your client can select an interest rate between 0% and 18%.
Minimum Term
  • Level and Increasing - 1 year
  • Decreasing - 3 years
Minimum age when cover starts
Maximum age when cover starts
Maximum age when cover finishes
90 next birthday
Minimum Sum Assured
Maximum Sum Assured
  • Level and Decreasing - £25,000,000
  • Increasing - £15,000,000 (annual increases are allowed up to a total of £30,000,000)
Minimum Family Income Benefit
£5,000 per year
Maximum Family Income Benefit
  • Level - £1,500,000 per year
  • Increasing - £1,000,000 per year

Key documents

Policy Summary document (PDF, 2MB)

Data capture form (PDF, 2MB)

See all our protection documents in one place, including forms, guides and brochures.

View protection literature

Our Life Cover also has

  • Terminal Illness Cover is automatically included and is payable if the life assured has a definite diagnosis by the attending Consultant of an illness that satisfies both of the following:

    • The illness either has no known cure or has progressed to the point where it cannot be cured; and
    • In the opinion of the attending Consultant, the illness is expected to lead to death within 12 months.

    Once the sum assured has been paid, Life Cover will end and no more premiums will be collected.

  • Up to 90 days' Free Accidental Death Cover is automatically included and starts from the date we receive your client’s fully completed application form. Free Accidental Death Cover continues until the acceptance, decline or postponement of the application, 90 days have passed or the date a claim is made, whichever is earlier.

    In the event of a claim we will pay the sum assured applied for or £250,000, whichever is lower. The claim received must meet the claims criteria for both Free Accidental Death Cover and for Life Cover under the policy applied for.

    For full details regarding Free Accidental Death Cover, including eligibility and exclusions please see our leaflet (PDF, 342KB).

  • Our Life Cover comes with Free Mortgage Cover automatically included for new mortgages only and starts from the date we receive your client’s fully completed application form and direct debit instruction and the applicant has exchanged contracts (concluded missives in Scotland).

    Free Mortgage Cover continues until the earlier of:

    • The declining or postponement date of the application
    • The start date of the policy
    • The completion of the purchase
    • The date a claim is made
    • 90 days after the start of Free Mortgage Cover.

    In the event of a claim we will pay the sum assured applied for or £1,000,000, whichever is lower. For full details regarding Free Mortgage Cover, including eligibility and exclusions please see our leaflet (PDF, 384KB). 

  • This option allows your client to increase the sum assured in certain circumstances without further underwriting provided the original cover was issued on our standard terms. Your client can use their Guaranteed Insurability Option when any of the following events occur:

    • Marriage/Civil Partnership.
    • Divorce/Dissolution of a civil partnership.
    • Birth of a child, adoption or becoming a legal guardian for a child.
    • Mortgage increase.
    • Promotion or salary increase.

    For full details regarding Guaranteed Insurability Options including eligibility, restrictions and limits please see our Policy Provisions (PDF, 180KB).

  • Replacement Cover is automatically included on all Life Cover policies set up on a joint life basis. In the event of a claim this option allows the surviving life assured to take out a new single life policy for the remaining term of their original policy without the need for further underwriting.

    When exercising this option, your client must apply for the policy within 3 months from the date we paid the claim. The original terms and conditions will apply to the new policy, the only difference will be the premiums – they’ll be based on the rates, the life assured's age and the remaining policy term at the time the replacement policy is taken out.

  • Premium Protection protects your client’s policy premiums so that they are paid if they suffer an illness, disability or accident which leaves them unable to work. This option can only be added at the time the policy is taken out at an extra cost. It can be removed at any time but can’t be added in again once it has been removed.

    The minimum age when cover starts is 18, the maximum age that cover starts is 60.

    In the event of a claim we will start to pay the premiums for the policy holder after 26 weeks and continue to pay the premiums until the policy holder returns to work, reaches age 70, or the policy ends, whichever is sooner.

    Cover will end 26 weeks before the policy holder’s 70th birthday (if payments are already being made as part of a claim these will continue to be made until the 70th birthday). For Joint Life cases Premium Protection can be selected for one or both lives (cover stops for both lives when the older person reaches age 70).

    For full details regarding Premium Protection please see our Policy Provisions (PDF, 180KB). 

  • Scottish Widows Care, provided in partnership with RedArc, gives your client and their family access to practical advice and emotional support from the day the policy starts and for as long as it’s needed. See how we support your clients. 

  • Our protection policies are flexible and can be adapted at any time during the policy. This flexibility means your clients can apply to make changes to their cover as their protection needs change without having to cancel the existing cover first.

    Our protection policies are also portable. Where two people have policies within the same plan, they have the option to split the plan and move policies into a new plan should they wish.

What would you like to do next?


Quote now


Explore underwriting


Get our latest insight

Get an indicative rating, before you apply

Use our toolto get an indicative rating