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Scottish Widows Protect. The product range
The Scottish Widows Protect range covers the three core protection products, available through independent financial advisers and Lloyds Banking Group channels.
Founded
1815
Part of
Lloyds Banking Group
Children’s CI
Included
Added benefits
Care
Distribution
Adviser & direct
Scottish Widows Critical Illness Cover
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a covered condition during the policy term. The quality of a CI policy depends on the breadth and precision of its condition definitions, which is why independent comparison matters.
Lump sum on diagnosis
Scottish Widows critical illness cover pays a tax-free lump sum on diagnosis of a covered condition. The money is yours to use however you choose. To pay off a mortgage, cover medical costs, adapt your home, or replace lost income during recovery.
Full-payment and additional-payment conditions
Scottish Widows CI includes both full-payment conditions (paying the full sum assured) and additional-payment conditions (paying a separate amount without reducing the main cover). This means policyholders can receive a payment for less severe conditions while keeping their main cover intact.
Children’s critical illness cover included
Scottish Widows Protect critical illness cover can include children’s cover of up to £30,000, providing a payment if a covered child is diagnosed with a qualifying condition.
Standalone or combined with life insurance
Scottish Widows critical illness cover can be taken as a standalone policy or combined with life insurance. A combined policy pays out on whichever occurs first, death or a qualifying critical illness diagnosis, giving comprehensive protection in a single plan.
Waiver of premium option
Scottish Widows offer waiver of premium as an optional add-on, meaning your premiums are covered if you are unable to work due to illness or injury, keeping your policy in force when you need it most.
Why definitions matter, and why we compare
Not all critical illness policies are equal. The breadth and precision of condition definitions determines whether a claim is paid. We can look at Scottish Widows’ definitions alongside other insurers, including Guardian, Royal London and AIG.
Scottish Widows Care, added-value benefits
Scottish Widows Care is the support service included with Scottish Widows Protect policies. It gives policyholders and their families access to a range of health and wellbeing services, without needing to make a claim on their policy.
24/7 remote GP
Access to a UK doctor 24/7 by remote consultation through the Clinic in a Pocket app (Square Health), for the policyholder, their partner and their children.
Mental health support
Access to mental health support, including structured counselling sessions and the ability to speak to a mental health professional. Designed to help policyholders address concerns early before they escalate.
Physiotherapy
Second medical opinion
Access to a second medical opinion service, allowing policyholders to seek an expert review of a diagnosis or treatment plan from a specialist consultant, particularly valuable following a serious diagnosis.
Bereavement counselling
Access to bereavement counselling for policyholders and their families, providing emotional support during one of life’s most difficult times.
Legal and financial helplines
Over 200 years of protecting UK families
Scottish Widows was founded in Edinburgh in 1815, making it one of the oldest life insurance providers in the United Kingdom. Originally established to provide for the widows and children of Scottish soldiers, it has grown into one of the UK’s largest and most recognised protection and savings providers.
Today, Scottish Widows is part of Lloyds Banking Group and serves millions of customers across the UK. Their protection products are available through independent financial advisers, as well as directly from Scottish Widows.
Their iconic brand, the cloaked figure, is one of the most recognisable in UK financial services, and their scale means they have the financial strength and claims-paying track record that policyholders rightly look for in a protection provider.
Why use an independent adviser for Scottish Widows?
Scottish Widows products are available directly from Scottish Widows, which means you only see one provider’s products. We can look at Scottish Widows alongside other protection providers, including Guardian, Royal London, Legal & General, Aviva, Zurich, Vitality and LV=.
This matters particularly for critical illness cover, where the breadth of condition definitions varies significantly between providers. A policy that looks similar on price may offer very different real-world protection depending on how conditions are defined.
We may be paid commission by the insurer if you proceed.
You might also find this useful
Other protection providers and value added benefits we advise on.
Guardian Critical Illness Cover Explained
Adviser-only pure protection with some of the most comprehensive CI definitions in the UK market.
Royal London Helping Hand Explained
Free wellbeing and recovery support included with all advised Royal London protection plans.
L&G Wellbeing Support Explained
Free nurse-led wellbeing support included with Legal & General protection plans from day one.
HSBC Life Insurance Explained
Life insurance, critical illness and income protection from HSBC Life (UK) Limited.
Aviva Global Treatment Explained
Access to world-leading hospitals and treatments for six serious conditions.
Get Protection Advice
Send us an enquiry to talk it through.
Protection advice, available across the UK
That’s Family Finance provides protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you’re in London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Edinburgh, Cardiff, Glasgow, Essex or anywhere in between, we work with you remotely or in person to find the right cover for your circumstances.
We advise on Scottish Widows alongside other protection providers, including Guardian, Royal London, Legal & General, Aviva, Zurich, Vitality and LV=.
We are not Scottish Widows. That’s Family Finance can advise on Scottish Widows and many other providers, and we’ll always tell you honestly which one suits you best.
Want to know if Scottish Widows is right for you?
Send us an enquiry or reach us on WhatsApp for an honest, no-obligation view.
Not tied to Scottish Widows
Common questions
Questions we’re asked about Scottish Widows protection.
Scottish Widows Care services are provided by third parties and are not part of the core insurance contract. They may be amended or withdrawn by Scottish Widows at any time. Always refer to Scottish Widows’ own policy documentation for the most current details, including the full list of covered conditions, definitions, and exclusions.
We are not Scottish Widows. This page contains information about Scottish Widows’ protection products based on Scottish Widows’ published materials at the time of writing. Always refer to Scottish Widows’ own documentation for the most current details.
Talk it through with us
Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.