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If you already have a life insurance or critical illness policy with us, you can find help here.
To get new policy documents, just give Scottish Widows a call and they’ll send new copies to you right away.
To change the date your Direct Debits get collected, just call Scottish Widows.
If you need to update your name, address or other details, just call Scottish Widows.
You can’t change your policy after it has started. If you’d like to talk about your policy, just call Scottish Widows.
The policy will only pay out when a successful claim is made. So for life insurance, it only pays out if you die while you're covered. For critical illness cover, it only pays out if you are diagnosed with an illness covered by your policy.
No. Your policy only pays out if a successful claim is made. If your policy ends without a successful claim, then your cover will end and you won’t get your money back.
You also need to ensure you keep up to date with your monthly payments or your cover may stop, and you’ll get nothing back.
If you want to make sure that the money your policy pays out goes to a specific person, you'll need to make a Will or put your policy in a trust.
In your Will, you can choose who receives the money your policy pays out. You just need to update your Will, if you already have one. If you don’t have a Will yet, then a solicitor can help you set one up.
Putting your policy in trust means that when it pays out, the money will quickly go to the people you want it to reach. It could also help sidestep inheritance tax on the money paid out. A solicitor can help you set up a trust.
We can't offer a payment break, so when you choose your policy make sure you'll be able to pay on time each month. If you miss monthly payments, your cover will stop and you won't get anything back.
If you're worried about anything or if you’d like to talk about your policy, just call Scottish Widows.
You can cancel your policy at any time, free of charge. If you cancel within 30 days of its start date, Scottish Widows will refund any payments you’ve made.
Scottish Widows works closely with partners like Macmillan. They help make sure our customers get the right help, at the right time.
So if you're diagnosed with a critical illness and need to make a claim, they can put you in touch with one of our partners, if that would be helpful. They can provide a bit of extra support, when you need it most.