Scottish Widows Showcase Page
Protection Guru has worked with Scottish Widows to create a concise objective analysis of their product range.
Scottish Widows in their own words
At Scottish Widows we’re here to support customers for the long term. Established in 1815, we paid our first claim in 1816.
We provide comprehensive cover with simplicity at its heart. To make it simpler to explain our comprehensive cover, we’ve grouped our conditions into 5 categories using our innovative body concept. This makes it easier for advisers to explain and means that clients can see at a glance what they are covered for.
Our research has shown that only 2% of the UK public believe between 91-100% of all claims are paid out. The reality is we paid out on over 98% of claims in 2019.
At Scottish Widows we focus on what matters most to you and your clients and do all we can to make the complex simple.
Transparent and inclusive approach to underwriting
Did you know…
Roll your mouse over or touch to see the details behind the stats
Supporting client’s wellbeing
Scottish Widows have partnered with Dr Mike Mosley to signpost the benefits of leading a healthy lifestyle to advisers and in turn their customers. There’s a series of guides and a 3 part Vodcast series with Dr Mike, Johnny Timpson and Senior Underwriter Helen Dick who cover the benefits of diet, exercise and sleep quality.
Scottish Widows Care
RedArc provides a support service that gives clients and their immediate family practical advice and emotional support to get them through difficult times.
All pre-existing illnesses are covered even if they have been excluded from the Scottish Widows policy and cover is available from the moment the policy goes on risk.
The service includes where possible a face-to-face second medical opinion service which provides a specialist report in the post as well as support for mental health through counselling sessions.
Clinic in a Pocket
Square health’s mobile app gives those taking a SW policy from 22 March 2021 free and unlimited access to GP Services via the Clinic in a Pocket™ app.
Digital GP Services
Price lock promise
To help clients where their application is delayed due to medical requirements or any other reason, Scottish Widows provide a price lock promise where the rates applied to their quote remain valid for up to 12 months once the fully completed application is received.
This price lock promise is applicable even if the client passes a quarter birthday.
Claims Statistics 2019
Scottish Widows have a consistently high record of claims paid. This is highlighted in the tables below where percentage of claims paid for life protection has remained around 99% for the last 5 years and around 93% for critical illness.
Since January 2000 Scottish Widows has paid a total of £2.9 billion in claims, and helped more than 105,000 customers
Roll your mouse over or touch the different areas of the body below to find out what percentage of claims are paid:
Brain and neurological
Heart & Arteries
Key Features of Scottish Widows’ Mental Health Support
- Can provide Cognitive Behavioural Therapy, Cognitive Analytical Therapy, Phobia Therapy, Trauma Focused Therapy and Eye Movement Desensitisation Reprograming
- Can be offered Face to Face, via telephone, video conferencing or email
- Covers the full cost of therapy
- Is available to the life assured(s), their spouse/civil partner/partner, their children and the plan holder if different to the life assured(s)
Protection Guru has worked with Scottish Widows to create a concise objective analysis of their product range. Scottish Widows have had input to the design of this page and contributed to the cost of this construction maintenance, however Protection Guru have maintained editorial control over the content to ensure objectivity.