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Our commitment

To provide your clients with instant decisions and access to immediate cover to help give them peace of mind.

If we do ask for evidence, although we’re able to capture full disclosures during the online questionnaire, we only target the evidence we need to provide you with timely decisions.

We’ll allocate an underwriter from our Protection Team and we’ll keep you updated throughout the process.

This is how we help our customers:

  • Reductions in premiums for excluding some critical illnesses
  • Offer Total Permanent Disability/Premium Protection on an Own Occupation basis where possible
  • Majority of financial underwriting completed at point of sale
  • Free mortgage and accidental cover
  • Interactive pre-application tool that can give you indicative underwriting outcomes
  • Tele-underwriting for specific medical conditions
  • Signature-free online process
  • Using electronic GP reports when we need further information on your client’s health
  • Offering pre-sale, indicative underwriting ratings through XRAE.

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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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