Scottish Widows Protection Online

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Scottish Widows offers a range of protection options for your clients - with Terminal Illness cover automatically included with all life insurance. Our plans offer protection suitable for mortgages, loans, businesses and key person cover.

We are dedicated to the ongoing improvement of our Protection Online servicewhich now delivers straight through processing for your clients. You can obtainquotes, get online underwriting decisions and for cases accepted online ImmediateCover means your clients go on risk at point of sale.

Our recently improved service allows:

  • Pre-population of Application Forms - saves keying time.
  • An immediate underwriting decision for your client.
  • Immediate cover for 30 days, on accepted cases.
  • Full commission flexibility.
  • You can complete the application with client present - no missing answers.
  • A central application printing facility.
  • Save and recall of incomplete applications by more than one person within your office.
  • Tracking your client's applications via our online Proposal Tracking Facility.
  • More time with your clients - less time on paperwork.

Product Summaries:-

Level Term Assurance

Feature Life Insurance Cover only Critical Illness Cover only Life Insurance Cover and Critical Illness Cover
Single Life / Joint Life Yes Yes Yes
Life of Another Yes Yes Yes
Joint Life Second Death* Yes No Yes
Terminal Illness Benefit automatically included Yes No Yes
Children's Critical Illness Benefit automatically included No Yes Yes
Payment Cover available upon request Yes Yes Yes
Guaranteed Insurability Option Yes Yes Yes
Replacement Critical Illness Cover No Yes No
Conversion Option included* Yes No Yes
Youngest age at start 15 15 15
Oldest age at start 79 or 54 if payment cover is chosen or 58 for plans with conversion option 64 or 54 if payment cover is chosen 64 or 54 if payment cover is chosen or 58 for plans with conversion option
Oldest age when plan will end 89 or 64 if payment cover is chosen 69 or 64 if payment cover is chosen 69 or 64 if payment cover is chosen
Shortest term 1 year 5 years 5 years

Mortgage and Business Cover

Feature Life Insurance Cover only Critical Illness Cover only Life Insurance Cover and Critical Illness Cover
Single Life / Joint Life Yes Yes Yes
Life of Another Yes Yes Yes
Joint Life Second Death No No No
Terminal Illness Benefit automatically included Yes No Yes
Children's Critical Illness Benefit automatically included No No No
Payment Cover available upon request Yes Yes Yes
Guaranteed Insurability Option Yes Yes Yes
Replacement Critical Illness Cover No Yes No
Youngest age at start 15 15 15
Oldest age at start 79 or 54 if payment cover is chosen 64 or 54 if payment cover is chosen 64 or 54 if payment cover is chosen
Oldest age when plan will end 89 or 64 if payment cover is chosen 69 or 64 if payment cover is chosen 69 or 64 if payment cover is chosen
Shortest term 5 years 5 years 5 years

*Please call us on 08457 697 567 for level term assurance with conversion option or joint life second death quotations as these are not available onlineat present. We'll record and monitor calls to help us to improve our service.

IFAonline

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