My husband and I took out life insurance with Scottish Widows over an 18yr term which expired last year. We each had separate policies which expired at the same time. Obvs we weren’t keeping an eye out every month waiting for them to end, and as it’s relatively small amounts, you don’t notice them going out of your account compared to other DD’s etc. We were depending on them to inform us prior. They did not. Consequently, we were both without life ins for months before we realised. I contacted them to ask why they hadn’t informed us, and they claim they sent us both letters, separately. How convenient. However neither of us received one. That leaves us feeling very dubious. I was told someone from the complaints dept would call me within 5 days. No one did, and I received a letter saying the same thing. That’s all. They don’t do anything that they claim they’ve done or are going to do. Avoid big time!