Claims

How to apply

How To Make A Claim

Thankfully the proportion of people who have to make a claim is relatively small, but this means that many advisers have never been through the claims process, so may not know what to expect. If you’re asked to start a claim on behalf of your client, this is what you need to do:
 

Life Insurance

0345 601 4179

Call us to register a life cover claim.

Or your client can complete our online form and one of our team will be back in touch with them.

For life insurance claims, we can accept claims information over the phone, so your client doesn’t need to complete a form. If you’d like us to do this, please ask your client to call us on the number above.

We may need other documentation from your client. This may include:

  • the birth, marriage or death certificate of the person covered
  • medical evidence to support the claim
  • a signed Access to Medical Records Act Declaration (AMRA)
  • the original policy schedule
  • the original trust deed, if applicable.

Critical Illness

0345 601 4839

Call us to register a critical illness, terminal illness or premium protection claim.

Or your client can complete our health (illness) claim form and one of our team will be back in touch with them.

For critical illness and terminal illness claims, we can accept claims information over the phone, so your client doesn’t need to complete a form. If you’d like us to do this, please ask your client to call us on the number above.

We may need other documentation from your client. This may include:

  • medical evidence to support the claim
  • a signed Access to Medical Records Act Declaration (AMRA)
  • the original policy schedule.
     

Lines open

Lines open

9.00am to 5.00pm Monday to Friday (excludes UK Bank Holidays).

Keep in mind

Keep in mind

During the claims process, your client or their family need to continue to make payments to their plan.

Grey claims panel

Grey claims panel

We have a holistic approach to paying claims and we do not take declining any claim lightly. If the Claims Team has any concerns about a decision on a claim they can refer the case the the 'Grey Claims Panel', a group of senior managers at Scottish Widows who will consider the facts and give a decision.

Macmillan know how a cancer diagnosis can affect everything. Whether it's concerns about who you can talk to, help with money worries or advice about work. They provide free, impartial and confidential support. Your clients can call them with any questions about cancer if they need someone to talk to.

Call 0800 808 0000 (free to call, lines open 7 days a week 8am to 8pm) or visit online: macmillan.org.uk