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SCOTTISH WIDOWS LIFE INSURANCE
Compare Scottish Widows life insurance quotes
Check the best quotes for Scottish Widows life insurance
Compare Scottish Widows life insurance against other top insurers in the market
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Why choose Scottish Widows life insurance?
With over 200 years of experience, Scottish Widows are one of the best known life insurance providers in the UK. Here are some further details about what’s included with Scottish Widows life insurance:
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Safety and stability
Scottish Widows isn’t just one of the UK’s oldest providers of life insurance – it’s also backed by Lloyds, one of the country’s most important banks
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Help and support
All policy holders get access to Scottish Widows Care, which includes RedArc personal nurse services and a 24/7 remote GP through Clinic in a Pocket
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Advance payments
If there’s a delay in your lump sum pay-out, Scottish Widows will advance you £10,000 to help cover funeral costs
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Fully regulated
Scottish Widows is fully regulated by the Financial Conduct Authority, which means you can be assured you’re in safe hands
How do I get a Scottish Widows life insurance quote?
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We’ll fetch our best quotes
We have some of the top UK providers on our panel for you to choose from. Browse policies ordered by lowest premium.
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Choose the deal you want
Once you've found the policy that's right for you, all it takes is a click through to your chosen provider to buy your policy today for the price you see.
What types of life insurance can I get with Scottish Widows?
With Scottish Widows, you can choose from a range of different types of life insurance – so there’s sure to be something that will suit your needs:
Level-term life insurance: Level-term cover pays out a lump sum should you pass away during the term of the policy. Your cover amount and your premiums are fixed for the entire term
Decreasing-term insurance: The amount of money you’re covered for, during your decreasing term insurance, reduces over time making this a good option to cover the amount you may owe on a mortgage repayment or other loans
Joint life insurance: Couples can take out joint life insurance with Scottish Widows – whichever one survives the other will get a pay-out
Group life insurance: Scottish Widows’ group life insurance is a workplace perk that pays out the families of anyone who dies while an employee
Guaranteed life insurance: With guaranteed acceptance life insurance from Scottish Widows, you can get cover without having to take a medical exam
Over 50s life insurance: Scottish Widows’ over 50s life insurance is a single policy that’ll last you forever, with no fixed term
Whole life insurance: A whole life insurance policy from Scottish Widows is guaranteed to pay out to your family or loved ones, no matter how long you live
Example Scottish Widows life insurance quote
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
Can I cancel my Scottish Widows insurance and switch providers?
Yes, you can cancel your Scottish Widows life insurance plan at any time by contacting them via telephone. Here are some instances where you may want to cancel, and what Scottish Widows offers in each scenario:
If your policy is coming up for renewal: you can cancel over the phone and you will not be charged anything for cancelling your police
You've just taken out a policy: if you change your mind within 30 days of taking out your life insurance policy, Scottish Widows should refund your premiums
If your policy has auto-renewed at a higher rate: If your policy is more than you're comfortable paying, try contacting Scottish Widows to see what they can do. If you wish to end your cover, Scottish Widows will cancel your policy at no extra charge.
What add-ons can I get with Scottish Widows Life Insurance?
In addition to traditional life insurance, you can also add the following to your policy:
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Critical illness cover
Pays a cash lump sum or a monthly family income if you're diagnosed with a critical illness listed on your policy
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Business protection life cover
Protects your business's finances if you, or a senior stakeholder in your business develops a critical illness or dies
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How do I contact Scottish Widows?
You can get in touch with Scottish Widows by contacting their life insurance policy team on: 0800 849 6089
Opening hours:
Monday to Friday: 9am to 5.30pm
Alternatively, you can also use their online chat to get answers to basic questions or fill in their general enquiry form to send an email message to them.
If you own a policy with Scottish Widows, you can also contact them through their app.
How do I make a claim with Scottish Widows?
Nobody looks forward to having to claim on a life insurance policy, but Scottish Widows have done everything to make the process as stress-free as possible. Here’s what you’ll need to do:
Call Scottish Widows. For critical illness claims, the number you use will depend on the type of policy you have
It can be helpful to have the relevant policy number, but don’t worry if you don’t
Once your claim is assessed, you should get your pay-out as soon as possible
Why compare life insurance with MoneySuperMarket?
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Save money
We make it easy to compare insurers offering you the best value for your budget and save on premiums.
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Quotes tailored to you
We ask the right questions and tailor our quotes so you can get the right cover to suit your needs.
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Make smarter decisions
We offer independent Defaqto star ratings on policies to help you decide on the right quality product for you.
Who underwrites Scottish Widows insurance?
Scottish Widows have a dedicated team of in-house underwriters who underwrite their own life insurance.
Can I pay Scottish Widows in monthly instalments?
Yes, you can make regular monthly payments by Direct Debit, or single payments by cheque or BACS.
How long does it take to get your life insurance money from Scottish Widows?
The time it takes for Scottish Widows to pay out will vary case by case. If you've made a claim, it's best to contact them to ask for an estimated payment date.
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Reviewed on 30 Dec 2025
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