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Every time you recommend a provider to your clients you put your reputation on the line. That’s why it’s important you select a provider who gives you market-leading products and services and who understands and supports your business for the long-term.
Independent ratings companies assess the financial strength of life companies through in-depth detailed analysis.
They are independent financial analysts who examine the financial security of institutions based on their credit ratings and assets. Scottish Widows Limited (formerly Clerical Medical Investment Group Limited), which is part of Scottish Widows Group, has been allocated the financial strength ratings below.
Company | Moody's | Standard & Poor's | AKG |
---|---|---|---|
Scottish Widows Limited | A2 | A | B+ Very Strong |
Source: Moody's, Standard & Poor's and AKG. All ratings correct at May 2018.
For more than 200 years we’ve helped people protect and plan for their future
View the annual financial results and interim (half year) results for Lloyds Banking Group (including Scottish Widows)
Prior to the 2015 LBGI Scheme (PDF), Scottish Widows plc (now renamed SW Funding plc) was the principal trading entity in the Scottish Widows Group of companies, and so its accounts were published for customers’ information. As a result of the 2015 LBGI Scheme, Scottish Widows Limited (formerly Clerical Medical Investment Group Limited) has become the principal trading entity and, in future, its statutory accounts will be published on this page.
Because the company is a wholly owned subsidiary of the Lloyds Banking Group, a more detailed commentary regarding business performance is given in the financial statements of Lloyds Banking Group plc.
The full Lloyds Banking Group Results are published on the Lloyds Banking Group Investor Relations Lloyds Banking Group Investor Relations website
Annual returns for Scottish Widows Group companies.
The annual Solvency and Financial Condition Report submitted to the Prudential Regulation Authority is given below:
2016 Scottish Widows Group Solvency and Financial Condition Report (PDF)
The Annual Returns submitted to our regulators are given below:
Principles and Practices of Financial Management (PPFMs) are documents that set out how companies manage their with-profits funds and the with-profits parts of with-profits policies.
Financial Conduct Authority (FCA) regulations require all companies that have a with-profits fund to produce such a document. We use our PPFM as part of the overall governance of our with-profits business.
Our PPFM applies to with-profits policies that were either:
If you bought a with-profits policy on or before 3 March 2000 through a Lloyds TSB branch or a Lloyds TSB financial adviser, you should have received a letter in 2004 explaining how your with-profits policy would operate in the future. You can view an example of the with-profits letter here (PDF)
The PPFM is a fairly lengthy technical document. We have summarised it to help you better understand how we manage our with-profits business. This summary is called your guide to with-profits
You can find out more about the Scottish Widows PPFM here