Life insurance and critical illness cover

Before you begin

What can I expect?

You’ll just need to answer a few questions about your health and lifestyle. After that, we’ll give you an instant decision.

It roughly takes 10 minutes to complete. We’re not able to save your application, so please make sure you have enough time before you start.

What will I need?

  • Details about yours and your family’s health.
  • The level of cover you need, and how long you’d like to have it.
  • Your bank details, so we can set up Direct Debit payments.

Get cover in a way that suits you


This cover is available for both new and existing Halifax customers. You need to be between 18-59 and live in the UK to apply online for:

  • life or critical illness cover* up to £500,000
  • single cover for one person
  • level cover. 

*Critical Illness cover includes an early-stage cancer payment of £5,000, on top of the agreed lump sum.

Scottish Widows provide our life and critical illness policies.


Let's get started Let's get started.


Speak to an expert at Cavendish Online for help with:

  • life insurance up to £25 million, including terminal illness cover
  • critical illness cover up to £3 million, including early stage illness and children’s cover up to £30,000
  • level or decreasing cover 
  • single cover for one person, or joint cover for two.

Cavendish Online is part of Lloyds Banking Group. They'll give you guidance on Scottish Widows life insurance and/or critical illness policies.

They won't charge you for their help and you do not need to take the product when you speak to them.

Call Cavendish Online: 0800 131 0730

Lines are open Monday to Thursday 10am – 7pm, Friday 10am – 6pm.

Or ask for a call back at a time that is suitable for you.

Request a call back Request a call back.
  • Give Scottish Widows a call.

    0345 608 0378

    Lines are open 9am to 5pm, Monday to Friday.

    Calls are recorded to help improve this service. Call costs may vary depending on your provider.

  • If you’d like advice, contact Cavendish Online. They can help find cover that’s right for you and your loved ones.

    Cavendish Online can advise you on Scottish Widows protection policies. They won’t charge you for their advice, and you’re under no obligation when you speak to them.

    Call Cavendish Online on:

    0800 131 0002

    Lines are open Monday to Thursday, 9am – 7pm, Friday 9am – 6pm.

    Cavendish Online is a part of Lloyds Banking Group.