Here are some frequently asked questions which may be helpful when starting to use our service:
Our agency set up process will do this for you.
Yes - your current agency will allow you to quote and apply for our protection plans.
That’s okay – if you follow our agency set up process, we can do this for you.
You can register by following our online registration process. For help with this, please contact our Web Support team on 0345 769 7888.
In most cases no, but please see the following examples for guidance:
1 - If you’re already using a Unipass (or username / password) and aren’t setting up a new Scottish Widows agency to write protection business under
Then you’re able to select the Protection option on our secure Adviser Extranet homepage.
2 - If you’re already using a Unipass and are setting up a new Scottish Widows agency
Then depending on how your Firm Access Controller / Supervisor has determined your access, you may or may not be able to gain access. Please speak to your Firm Access Controller / Supervisor in the first instance and they should be able to confirm this for you. If you don’t know who this is, or need some help with this, contact our Web Support team on 0345 769 7888.
3 - If you’re already using a username / password and are setting up a new Scottish Widows agency
Once you’ve had confirmation that your new agency has been set up, please contact our Web Support team on 0345 769 7888. They will then update your existing user profile to include this new agency.
You can get your quote from either:
Scottish Widows Protect is now available via the IRESS and iPipeline portals and from, May 2016, Synaptic Webline too.
Details of what you need in order to use our secure online services can be found on our Getting Started page.
Provided you know your client’s date of birth and whether or not they are a smoker, a single life, single benefit quote should only take a minute or so.
Yes - you can either quote for a single cover or multiple covers at the same time. This way, you only need to key one set of client details and then you add / edit the types of cover until you've got the required mix of covers.
You can then delete any you don't want and take the quote into the application stage.
Yes - business protection quotes are created in the same way as a personal protection quote. The main difference is that one business protection quote can be for up to a maximum of 25 lives and each of those lives can have one, or more, types of cover
Yes – if you start a quote on a portal then you can either:
When you retrieve the quote from us, you’ll be asked to confirm your Scottish Widows agency number – this will ensure that your quote shows the correct level of commission which may not be reflected on the original portal quote.
All your other quote inputs will be carried over from the portal and, if needed, you can either make any changes to the original inputs or add additional covers to your original quote and we’ll confirm the revised indicative cost of cover.
The indicative cost of cover on a quote is guaranteed for 30 days from the date the quote is produced.
If you make a change to a quote, for example by adding an additional type of cover, a new quote will be produced and a new 30 day period will start from that point.
No – the final cost of cover is determined by factors such as your client’s occupation, general health and medical history and will be confirmed once a quote has been progressed through the online application and underwriting steps.
If your client has disclosed a medical condition which you believe may influence our online underwriting decision, you can use our Underwriting Outcome Tool in advance of any application to quickly see what this decision could be.
You’ll find this tool, and others supporting your protection business, on our Client Engagement Tools page.
On the ‘Quote Results’ page, you’ll see a ‘Forms & Documents’ panel.
From there you can access:
Once you’ve produced and/or retrieved your preferred quote, you’ll see a button marked ‘Apply’ on the screen – click this to begin an online application.
In our Working With Us section, you’ll find a number of FAQs, guides and online demos supporting all steps of our online protection journey for intermediaries.
Please get in touch with our dedicated Scottish Widows Web Support helpdesk on 0345 769 7888 or via email to: firstname.lastname@example.org.
If you’re applying immediately after producing your Scottish Widow Protect quote, you’ll see a button marked ‘Apply’ on the ‘Quote – Results’ page – click this to begin an online application.
Alternatively, find your required quote via the Quote & Application search in our secure Protection Centre – search by either the quote number or the life assured’s surname and date of birth. Once you’ve got your quote, you can start the application as outlined above.
No – we do not require sight of a wet signature from our customers to consent to a Scottish Widows Protect application.
As part of our online application process, we’ll ask you to confirm that you have obtained your client’s permission to proceed with the application and that you are authorised to act on their behalf.
You’re also required to read the application ‘Important Notes’ to each life assured and policy owner under a plan – this is to ensure your clients understand and accept our requirements for :
As each application and client are different, this can be tricky to generalise.
However, we believe that if you have all your client information to hand (by using our Data Capture Form), a single life, single policy application which is accepted at ordinary rates can be completed online and on risk in under 15 minutes.
Where possible, we re-use information keyed at the quote stage and also try to keep the amount of new information we need to ask for to a minimum.
You can complete an online application while with your client or over the phone with them.
Alternatively, if this isn’t possible, you can use our Data Capture Form to note all the information we’ll need and then you can complete this online afterwards. This will ensure that you’ll have all the details we’ll ask for as part of the online application so you can complete this as quickly as possible.
You can get a copy of our Data Capture Form by downloading this from either the ‘Quote – Results’ page or from our Scottish Widows Protect literature library.
Please note that a Data Capture Form would not be accepted as a paper application form.
Yes – if you need to pause an application, select the ‘Save & exit’ option presented after the declaration page and a policy owner has been assigned.
You can then return to the ‘Quote & Applications’ page later on and retrieve the application in the same way you search for a quote.
Yes – once you’ve submitted your client’s responses to our underwriting questions, you’ll be presented with an onscreen summary of these.
You should review these and ensure they’re correct – you can still make changes if required at this point too. Once submitted, it will not be possible to make any changes to these responses.
We also recommend that you take a copy of the underwriting responses at this point too – again, you won’t be able to do this once the responses are submitted.
Where our online underwriting has accepted an application on standard terms, please print a copy of the application details – click ‘Print’ on the ‘Application Details’ tab shown on the results page.
Once you have this, you can proceed to the final step of the online application – the ‘Go On Risk’ stage where we’ll ask you to tell us who’s paying the cost of cover and when the date cover is to start from; your client is not covered until you have done this.
If we’re not able to offer standard terms for a benefit applied for, we’ll return one, or more, of the following alternative decisions:
We will ask whether you and your client wish to proceed on the terms being offered – if you do, we’ll ask you to accept those terms and then to click ‘Proceed’; your client is not covered until you have done this and completed the final application steps.
Alternatively - depending on the benefits applied for / the online underwriting decision(s) returned – you and your client may also be able to choose whether to remove a benefit where non-standard terms were offered.
The application will be referred to our underwriters and we may require a doctor’s report.
We’ll ask you to:
Please write the life assured’s name, date of birth and plan number on the form and ensure they have confirmed whether or not they wish to see the report before their doctor returns this to us.
A PDF of the Medical Consent Form is available on the page where the underwriting decision is shown. Alternatively, you can get a copy from our Scottish Widows Protect literature library.
For personal protection, you can indicate whether the life assured or the plan owner is going to pay the premiums for the cost of cover.
For business protection, the same options apply but there is also an additional 'New Payer' option. This allows you to enter a third party, for example a parent firm, as payer along with their contact details.
We'll ask you to tell us when you want coverto start from - the default start date is the date an application is completed.
However, you can also opt to either:
This gives you flexibility around start dates in circumstances where you and your clients may be waiting for a separate transaction, for example a mortgage application, to be completed before a start date can be confirmed.
You can use our Proposal Tracking service at any time to see whether you have placed a particular application on risk or whether you still need to give us the start date.
No - we won’t hold up an application for trust documentation. We’ll ask you to tell us whether the application is to be placed under trust or not. If you tell us that it is, you can put the application on risk and, if we don’t receive any trust details afterwards, we’ll get in touch to see when this will be available.
Alternatively, if you’re not sure, you can indicate this too and set up a trust once the application is on risk.
Please note that the above does not apply to the business protection Relevant Life Cover product where a suitable trust arrangement is a mandatory requirement.
Every year we will issue out an annual plan summary to you and your client, that summarises the cover they have in place. This gives you the opportunity to revisit your clients to review their protection needs and build an ongoing relationship.
No - you can only quote for Scottish Widows Protect covers below the new business sum assured minimums via Scottish Widows; new business minimum sum assured levels will apply to portal quotes.
Here you can find more information about product cover levels.
At present, you can only add additional levels of cover online. If you need to request a change to an existing Scottish Widows Protect plan, or want to let us know of a change of client information, then please contact our Scottish Widows Protect Servicing Team.
Full details of how to do this, and to find out more about the client support services offered through Scottish Widows Care, can be found here.
Speak to us and discuss how we can help
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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.
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