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A cover or life declined

A partial decline will happen when we’re unable to offer cover which your client has applied for, or unable to insure one of the lives under a joint life application.

Online Decision:

  • The online quote and apply process will provide the appropriate underwriting outcome for each cover and life that has applied.
  • You can then complete a new quote, and apply for another option that may be available to your clients.

Manual Underwriting Decision:

  • Your client will receive a letter from us letting them know we are unable to offer the cover requested and will ask that they contact you as alternative options may be available.
  • We will contact you to advise what our decision is and what options are available. Based on this discussion, we will then send out the revised acceptance terms.

Call or email us to discuss the options available, or let us know how you wish to proceed.

 

Telephone 0345 030 6240
Email protect@scottishwidows.co.uk

 

If we don’t receive a response within 30 days the application will be cancelled. Should you wish to continue with the application after this point please call or email us.

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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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