Already have cover with us?

If you have a policy with us, head straight to our existing customer page. We can help you make a claim or answer your questions.

Existing customers

Why choose life cover?

Protection and peace of mind, for you and your loved ones. Here are the ways it could help.

Life insurance

Life insurance pays out a cash lump sum if you die before your policy ends.

Learn about Life Insurance

Get a quote

Critical illness cover

Critical illness cover pays out a cash lump sum if you are diagnosed with an illness covered by your policy before it ends. 

Learn about Critical Illness Cover

Get a quote

Mortgage protection

This type of policy pays out a cash lump sum to help pay off your mortgage if you die or fall seriously ill.

Mortgage protection

Get protected by experts

Our life insurance is arranged by Scottish Widows. They’re a part of Lloyds Banking Group, like us. Scottish Widows are our life insurance experts, and they’ve been protecting what matters most for over 200 years.

Why choose Scottish Widows?

Here are a few reasons why Scottish Widows could be the right choice to protect you and your loved ones:

  • Reliable - Scottish Widows paid out 98% of claims in 2020. That’s £206m in total.
  • Simple - Terms and conditions that are clear and easy to understand. That's why they’re accredited by Fairer Finance.
  • Experienced - Scottish Widows has been protecting customers for over 200 years. So you’re in safe hands.

Scottish Widows works closely with partners like Macmillan. They help make sure our customers get the right help, at the right time. 

So if you're diagnosed with a critical illness and need to make a claim, they can put you in touch with one of our partners, if that would be helpful. They can provide a bit of extra support, when you need it most.


Life cover explained

What is life cover?

Life cover is a life insurance policy. It pays out a cash lump sum if you die before your policy ends. It can act like a safety net, and could help your loved ones cope financially when you can’t be there.

Your guide to Life cover

If you have questions about life insurance, or want to learn more, then our videos and guides will help you get straight to the answers.

Life insurance basics

Critical illness cover basics

Frequently asked questions

How much cover do you need?

Use our calculator to work out how much cover might be right for you.  

Calculate my cover

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Choosing the right cover

Find out more about how cover could help you and your loved ones.

Learn about life insurance

Learn about critical illness cover

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How to apply

We’ve made it quick and easy to apply. Get a life insurance quote today.

Get a quote
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Answers to your questions

Get to grips with the life insurance basics. Learn how it all works, and what to expect.

Life cover FAQs
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Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.