Designed for the intermediary market

Replacement cover and life cover buy back

Replacement cover and life cover buy back

Find out more about our Replacement Cover and Life Cover Buyback features.

Adviser Guide (PDF, 208KB)

Replacement Cover Client Guide (PDF, 131KB)

Life Cover Buyback Client Guide (PDF, 115KB)

Please be aware

Please be aware

Scottish Widows Protect policies have no cash-in value at any time. If your clients don’t pay their premiums on time their cover will stop, their policy will end and they’ll get nothing back. If the sum assured has not been paid out by the end of the selected term, the policy will end and they’ll get nothing back.

New to Scottish Widows?

Everything you need to get started with us.

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Trust – easier than you think

Find out which trust suits your client's needs.

Use our Trust picker tool

Smart Flexible underwriting

Find out how our efficient underwriting can help you every step of the way.

Smarter underwriting

Keeping Track

Find out how easy it is to access up to date information on your clients’ applications.

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How we can help

Better protection conversations

Better protection conversations

Scenarios, hints and tips to help introduce protection to your clients

Client conversations (PDF, 4MB) Opens in new tab

Protection insight & analysis

Protection insight & analysis

Industry news, research and expert opinion.


Protection tools

Protection tools

Our useful tools and calculators can save you time and help you with your client conversations.

Useful tools