To be eligible for Life insurance you need to be a UK resident, 18 or over. Depending on the type of policy you choose, you can apply up to the following age: 79 for Life Cover and 64 for Critical illness cover or Life with critical illness cover.

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.

Introducing life insurance

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.

It can act like a safety net, and could help your loved ones cope financially when you can’t be there.

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.

The money could help you and your loved ones meet day-to-day costs and let you focus on your own health and wellbeing.

Mortgage protection

These types of policies pay out a cash lump sum to help pay off your mortgage if you die or fall seriously ill.

It's designed to give your loved ones enough support to help pay o ff your mortgage if something happens to you.

Talk to LifeSearch for advice.

For an informal chat about your life insurance options, call LifeSearch for free on 0800 072 1253.  Lines are open Monday-Thursday 8am–8pm, Friday 8am–6pm and Saturday 9am–2pm.

LifeSearch won’t charge you for their advice and you’re under no obligation when you speak to them.

You can speak to LifeSearch about:

  • Life and critical illness cover
  • Single or joint cover
  • Level or decreasing cover.  With decreasing cover, the cash pay-out goes down each month until your policy ends. You'll pay the same amount each month.

LifeSearch is an insurance broker and not part of Lloyds Banking Group.  They will provide you with advice on Scottish Widows protection products.

Your cover options

We can offer "level" or "decreasing" cover. Here's what they mean:

Level cover

Cover and payments stay the same

Infographic visualising level cover

How does level cover work? 

Level cover means that the cash pay-out stays the same until your policy ends. You'll pay the same amount each month. 

What else do I need to know? 

  • This kind of cover is often used to help with living costs or to pay off a mortgage.
  • The cash pay-out stays the same, so you and your loved ones will always know how much support they have.

Decreasing cover

Cover reduces but payments stay the same

Infographic visualising decreasing cover

How does decreasing cover work? 

Decreasing cover means that the cash pay-out goes down each month until your policy ends. You'll pay the same amount each month, and it's usually cheaper than other kinds of cover.

What else do I need to know? 

  • This kind of cover is often used to protect a repayment mortgage.
  • As you pay off your mortgage, the outstanding amount goes down. So the amount that your cover pays out, when you die, will go down too.

Why choose Scottish Widows?

Life insurance you can rely on, arranged by Scottish Widows. Here are a few reasons why they could be the right choice to protect you and your loved ones:


Scottish Widows paid out 98% of claims in 2020. That’s £206m in total.


Terms and conditions that are clear and easy to understand. That's why they’re accredited by Fairer Finance.


Scottish Widows has been protecting customers for over 200 years. So you’re in safe hands.


Scottish Widows protection products have no cash-in value at any time. So if the policy ends without a claim, you won't get any money back. If you don't make payments on time, your cover will stop, your policy will end and you'll get nothing back.

What is life insurance?

Video about Life Insurance

Watch this short video to understand more about life insurance.

What is critical illness cover?

Video about critical illness cover

This video will take you through more detail on critical illness cover.

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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.