Common questions 

Got questions before you apply? The answers here can help. If you can't find what you need, check out our FAQs.

  • For now this cover is just for Halifax customers. You need to be aged 18-59 and live in the UK to apply. 

    When you apply, Scottish Widows will ask a few questions about your health and lifestyle and then they’ll let you know how they can help, instantly.

  • To make it quick and easy to apply, Scottish Widows will only ask you a few essential questions about your health and lifestyle. Make sure your answers are true and complete. If anything you tell them is wrong, they might not be able to pay your claim.

    Scottish Widows won't ask for a detailed medical history. So depending on your answers, it's possible they might not be able to offer you this cover. They’ll let you know where to get help or advice if this is the case.

  • The amount you pay each month depends on the length of your policy and the size of the cash lump sum you choose to be paid out when a claim is made. The price might also change based on your age, health and lifestyle. You’ll pay a fixed amount each month until your policy ends. You’ll pay a fixed amount each month, which will be collected by Direct Debit.

  • You’ll get an instant decision. You won't need to wait for your application to be reviewed.

  • Scottish Widows might not be able to help if you have a pre-existing condition. But if Scottish Widows can't offer you a policy, they’ll let you know where you can go to get more help or advice.

  • If Scottish Widows can provide you with this policy, it'll start the same day you apply.

  • It takes about 10 minutes to apply online, then you’ll get an instant decision. So you can get cover that starts today – quick, simple and no fuss.

  • Our cover calculator can help. Just answer a few questions about your loved ones, your home and your finances. Then find out how much cover might be right for you.