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Scottish Widows Life Assurance
Scottish Widows offer ‘Protection for Life’, a flexible life insurance plan that can change over time as your circumstances and requirements change. One of the most respected names for UK life insurance, Scottish Widows are famous for the woman in the black cloak TV adverts. They have paid out more than £1.1bn in Life Cover and Critical Illness Cover claims.
Scottish Widows Life insurance
Life Cover is the name of the Scottish Widows life insurance policy, part of their Protection for Life plan. This pays out a cash lump sum if you die during the period of cover. The policy is flexible and can be tailored to your specific needs, and there are options such as premium protection.
Critical illness cover with Life insurance from Scottish Widows
We have a life insurance policy that includes critical illness cover, which is an option under our Protection for Life plan. This is called Critical Illness with Life Cover and can provide a cash sum if you were to die or be diagnosed with a specified critical illness during a specified period.
Whole of life insurance
Scottish Widows whole of life insurance policy is called Lifetime Cover, which is an option under their Protection for Life plan. It pays out a cash lump sum on death.
- Protection for Life has no cash-in value at any time and if you don’t pay your premiums on time your cover will stop, your benefit will end and you’ll get nothing back.
- If the benefit amount has not been paid out by the end of the selected term, the policy will end and you’ll get nothing back.
- If the benefit is to cover a repayment mortgage, the benefit amount will decrease each month assuming a fixed rate of interest of 10% a year. There may be insufficient funds to repay the loan if the interest rate on the mortgage exceeds 10% or the loan is increased or extended.
- For Lifetime Cover policies, you may pay more in premiums than the amount of cover you take out.