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Market volatility and pensions

It’s normal for the value of your pension to go up and down over the short term. This is because your pension is likely to be invested in company shares and other stock market -investments that also carry risk. These tend to go through periods of upwards and downwards price movements, including sudden changes over the short term. This is known as volatility. Learn more about stock market volatility.


Health & wellbeing

If you’re worried about money, or if you or someone you know is experiencing financial or domestic abuse, we have people on hand to help. Visit our Health & wellbeing page.

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Supporting you through bereavement or illness

We’re here to provide support when you might need it. We can provide practical information on what to do if you need to let us know about a bereavement. Or our dedicated claims team are on hand if you need to make a claim on a policy.

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How to get in touch

Type of enquiry Description Number to call Opening Hours
I have a pension or an annuity If you took your policy out through your employer 0345 755 6557 Mon to Fri 9am–5pm
If your product is called "Retirement Account" 0345 716 6733 Mon to Fri 9am-5pm
If you took your policy out via an IFA or direct with Scottish Widows 0345 716 6777 Mon to Fri 9am–5pm
If you took your policy out through a branch (formerly Lloyds TSB) 0345 300 4455 Mon to Fri 9am–5pm
If you are 55 or over and wish to explore your retirement options 0345 835 6644 Mon to Fri 9am–5pm
I have an Investment or Savings policy If you have an OEIC or an ISA 0345 300 2244 Mon to Fri 9am–5pm
If you have a Scottish Widows investment bond 0345 716 6777 Mon to Fri 9am–5pm
If you took your policy out through a branch (formerly Lloyds TSB) 0345 300 4455 Mon to Fri 9am–5pm
I have a life insurance policy If you took your policy out via Lloyds Bank, Halifax or Bank of Scotland 0345 300 0698 Mon to Fri 9am–5pm
If you took your policy out via an IFA or direct with Scottish Widows 0345 030 6240 Mon to Fri 9am–5pm
I don’t know what product I have Please call 0345 716 6777 Mon to Fri 9am–5pm
I need help with financial support Please visit our Health & wellbeing page
I need help with financial or domestic abuse Please visit our Health & wellbeing page

Having your policy number to hand when you call us will make it easier for us to get your call to the right place. If you don’t have this we can still help find you with your personal information, but we may need to ask a few more security questions.

At Scottish Widows we really care about the quality of service you receive. For this reason, calls will be recorded and monitored for quality and coaching purposes.

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