Engagement & Service

Scottish Widows Master Trust

"Insight led member engagement is a fundamental part of our approach to helping members achieve a good retirement outcome, and underpins everything we do. The Scottish Widows Master Trust offers an innovative solution with dedicated service, as part of an ambitious member engagement and digital strategy which the Trustees have agreed with Scottish Widows, and you will see this develop over the coming years."

Cheryl Black, Trustee


We work collaboratively with participating employers to produce targeted and segmented engagement plans which resonate with employees and support them through each stage of their pension journey – from joining the Master Trust to retirement and beyond. Our multi channel tailored communications have subtle nudges woven throughout, encouraging members to take small steps in their journey to retirement.

We also offer a targeted approach with dedicated webinars, events, and nudge communications which can be tailored to specific segments of members including early savers and members approaching retirement.



New sections and members

We offer a highly engaging multi-media onboarding journey for new sections along with personalised member welcome videos, making sure we provide good engagement with members right from the off.


The Scottish Widows App

We've developed a pension app, with a simple yet secure sign up process, to help members to stay connected to their long-term savings. Our most recent updates focus on investments and include the opportunity for members to track their investment performance, whilst also understanding the impact of their investments across a range of sustainability themes. The 'Find Your Impact' feature also allows members to voice their opinion, via a ‘polling’ process, on a wide range of sustainability topics, issues and proposals.

Download on the App Store Get it on Google Play


Breaking down barriers to pension engagement

Members of the Master Trust are able to view their pension alongside their Lloyds Bank, Halifax or Bank of Scotland digital banking. Viewing all their finances in one place can help make pensions more visible and accessible to members leading to better financial decisions.


Meet Your Future Self

Our Meet Your Future Self experience lets members see how they’re shaping up for retirement as well as what effect changing how much they are contributing will have on their retirement.

Meet your future self

Employer Events and thought leadership

An annual series of Trustee-led virtual events connects participating employers with the Trustees, and we hope to meet face to face again soon. We also offer access to thought leadership content and webinars throughout the year.


All Member Webinar

An annual virtual experiential event is open to all members of the Sottish Widows Master Trust which brings engaging interactive content, where members can request a call back from one of our pension experts, attend a live webinar, hear from the Trustees and take part in a live Q&A.


Chair’s Statement Member Summary

Recognising the importance of engaging members with their pension and helping them understand how the Trustees are managing their pension savings, we’ve launched an innovative interactive member summary of the 2021 Chair’s Statement.

Read the summary (PDF, 1MB)

Member Infosites

Members have access to an educational, dedicated website for their section. It includes a selection of tools, videos, and helpful information and can be linked to a company website and accessed without a password.


Scottish Widows Master Trust provides employers and members with access to a quick and simple to use digital portal service available 24/7 through laptops, tablets or smartphones. Money4Life gives employers the flexibility and control to manage their workplace pension easily and gives members a quick and easy way to view their pension online, perform transactions and provides access to a range of useful tools and literature.

Access M4L for Employers
Access M4L for Employees

Excellent service

Implementation support

We provide a dedicated Implementation Manager to set up your workplace pension and manage the process end to end to allow for a smooth transition.

Relationship support

You workplace pension will be supported by a dedicated named point of contact with extensive experience of looking after schemes of all sizes across many sectors. They will be on hand to provide training and support, collaborate with you to develop a bespoke Engagement & Service plan and ensure the smooth running of the workplace pension.

Administrative excellence

We have a dedicated service team, who are fully trained and equipped to handle member calls empathetically, effectively and efficiently.

At retirement

We help members through a step by step retirement planning journey, providing in depth guidance on their retirement options including in scheme drawdown.


Sample Member Guide

Member Journey

Learn more about our member journey.