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Documentation validity period

Any documents gathered during the application and underwriting process are only considered valid for certain periods of time.

Application Forms

  • Online applications and paper applications are valid for a period of 12 months from the date we receive them or the date they are signed
  • If the underwriting decision is made more than 6 months from the date we received the application, a Declaration of Continued Good Health (DCGH) will be required before terms are offered
  • If the validity period expires before terms are offered, then a new, up-to-date application form will be required.

Offer of Terms

  • Valid for a period of 90 days from the date the terms are offered
  • If the validity period expires before the policy is placed on risk then a Declaration of Continued Good Health (DCGH) will be required providing the original application form is still valid.

Declaration of Continued Good Health (DCGH)

  • Valid for a period of 90 days from when dated
  • If the validity period expires then a further DCGH will be required providing the original application form is still valid.

Medical Evidence

  • A General Practitioners Report (GPR) will remain valid for a period of 6 months from when dated
  • A Medical Examination will normally remain valid for a period of 12 months from when carried out
  • Any routine tests will normally remain valid for a period of 12 months from when carried out.

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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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