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All Scottish Widows Protect policies offer your clients a range of support services as well as the financial peace of mind that protection insurance gives.

We work with RedArc, a personal nurse adviser service, to give your clients and their families the practical advice and emotional support they’ll need through difficult and traumatic times in their lives.

Who are RedArc?

Established in 1998, RedArc has helped over 28,000 individuals and their families through serious illness, chronic health conditions, bereavement and disabilities.

RedArc has a team of Personal Nurse Advisers who are all highly experienced and qualified nurses with a wide range of specialised and general medical knowledge.

Here you can find out more about the Personal Nurse Adviser team.


What are the services?

People covered and their families* will have access to a Personal Nurse Adviser.

The Personal Nurse Adviser is at the centre of the service supporting each person according to their own specific needs and situations. The Personal Nurse Adviser best suited to your client’s needs is assigned after the first phone call and the same Personal Nurse Adviser remains with them for as long and as often as needed.

Services include (but aren't limited to) – long term support from a Personal Nurse Adviser for:

  • serious illness
  • bereavement
  • trauma
  • disability
  • support on discharge from hospital - helping your client to recover
  • relevant therapies or counselling (subject to clinical need).

The Personal Nurse Adviser can also help you decide if a second medical opinion would be of benefit. They can then arrange a face to face consultation with a UK Consultant Specialist and offer support and guidance both before and after the consultation.

With business protection, they can also work with companies to offer support to co-workers in the event of a bereavement, advise a business on how to support an employee who may choose to work through treatment for ill health, or help a person return to work following their recovery from illness.

* When we say 'family' we mean the husband, wife, civil partner, children (natural, adopted, step-children and financially dependent children) of the person covered.


How does Scottish Widows Care help you?

Recommending a protection product based on more than the cost, or the number of illnesses covered, moves your advice from just price to value. You know that selling protection can be challenging, especially if you’re recommending a comprehensive package. That’s where sharing the value of services like Scottish Widows Care can really help move the conversation from the purely financial into the more emotional – which can often be a more productive arena for protection conversations. Christine Husbands, Managing Director of RedArc explains that at the most challenging time in people’s lives, money is rarely the first thing on their mind.

“The financial aspect of Protection is very important but when people are unwell they often really struggle with all the practical and emotional aspects. People can talk to our Personal Nurse Advisers in a way that they probably wouldn’t talk to anyone else. They can share their worst fears and discuss things in complete confidence.”

That’s why it’s really important that Scottish Widows Protect includes a comprehensive care service for your clients to complement the financial support that a claim payout would give.

The RedArc Personal Nurse Advisers give people the practical advice and emotional support that helps transform their whole experience of illness, disability, trauma or bereavement. By listening, empathising and taking time to get to know people properly, they’re able to offer a comprehensive and compassionate service with a simple goal - to make lives easier and better.

At claim stage – if your client has been diagnosed with a critical illness, or they died, our claims team will explain how the client or their family can contact RedArc. All they have to do is make one call, and RedArc will do the rest.

During a traumatic event – if your client or someone in their family needs help, advice or support because of a traumatic event, they just need to call our customer support team, and explain that they want a referral. Our team will take some details and then put them in touch with RedArc.

The services can be used from the day the plan starts and are available to the person covered and their immediate family.

You can find out more about Scottish Widows Care here.

All Scottish Widows Protect policies include access to RedArc. RedArc is an independent oganisation offering practical advice and emotional support to the people covered from the day the policy starts. This service is included in the cost of the plan and there is no additional cost to clients for using the service.

Scottish Widows provides RedArc services at no extra cost; they are not a core benefit of the plan. This service can be amended, replaced or withdrawn at any time.

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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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