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.

Once we’ve taken initial details, we’ll send a claim form to your client which should be completed and sent back to us. We may need other documentation from your client, which they can send to us with their completed form.

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

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

 

Keep in mind

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

 

How to apply

How to apply

Easy steps to get a convenient online quote and application

Quote and apply

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 a new tab

Scottish Widows Care

Scottish Widows Care

Financial payout isn't always enough, that's why we provide emotional and practical support to all protection clients.

Practical Support

Protection tools

Protection tools

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

Useful tools