Workplace savings


We support you and your clients

At Scottish Widows we take pride in delivering excellent service. Our proposition is designed to give you a highly personal service to help you provide a valuable workplace savings solution based around your client’s needs.

From a dedicated servicing to help you with scheme installation and scheme changes, to providing members with online access to help them plan for the future, we have invested in providing you, your clients and scheme members with plans fit for the future.

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    • You'll have direct access to our dedicated Pensions Support team.
    • You’ll be speaking to people you are familiar with and who already understand your needs and working preferences.
    • Your point of contact will ensure the smooth ongoing running of the scheme and assist with any changes.
    • Our installation support and online services ensures smooth scheme set-up.
    • Our enhanced quotes process offers scheduled and bulk quotes to meet the individual needs of you and your clients.
  • Ongoing client management is available for certain schemes to provide scheme MI and support for scheme reviews and any other meetings.

  • For complex schemes over a certain size, we will appoint a project manager to oversee and co-ordinate the set up process. They will provide:

    • a single point of contact for any aspect of the project implementation
    • face-to-face meetings to design and plan scheme installation
    • provide rigorous project management and regular process reporting
    • offer close liaison with our Marketing Communications team who can develop scheme communications
    • organise training for scheme administrators
    • develop a close relationship with the scheme’s Adviser Contact Teams to ensure seamless implementation at each phase
    • carry out a post-implementation review to make sure we have met your expectations.
  • This can be complex but we’re here to help every step of the process.

    • It’s done on a non-advised basis.
    • We provide information to help your clients make an informed decision on the benefits and risks of transferring, with useful collateral to help with this.
    • We have a five step bulk transfer process.
      • Agreement in principle – your Scottish Widows Relationship Manager will gather some high level details on your legacy scheme and establish if we can offer an agreement in principle for a bulk transfer.
      • Contacting legacy scheme – once an agreement in principle has been reached, your Relationship Manager will request a letter of authority from client.
      • Dedicated service - our dedicated Bulk Transfers team and your Relationship Manager will work closely with your client throughout.
      • Contacting employees - we work together with your client to deliver a full programme of engagement to employees.
      • Completing the transfer - our specialist ‘out of market risk management’ service will manage risk and the full value of employees’ funds will be moved to the new Scottish Widows pension scheme.
    • Most people have had a number of different jobs and collected several pension pots.
    • We are seeing an increasing demand from employees who, without taking advice, want to transfer funds held in other Defined Contribution schemes to their Scottish Widows pension.
    • This is a free service with a dedicated website to help employees understand the potential benefits and risks of transferring.
    • No advice is required or offered and the decision lies with employee.
    • It involves three easy steps:
      • education
      • instruction – through a simple online form
      • transfer – normally takes two to four weeks to complete.

Online member services

  • We’re transforming the way we service our customers, by designing and delivering a quick and simple to use digital service, giving employers the flexibility and control to manage their schemes easily, and employees a quick and easy way to view their pension online.

    We recognise the importance of overall financial wellness both for employers and their employees. That’s why we’re continuing to invest and develop new features based on customer feedback to make accessing information, guidance, tools, and any new products we may offer in future, much easier.

    Features included in our employer digital service allow clients to:

    • make regular monthly or ad-hoc single payments
    • add new members and remove leavers
    • bulk upload new members
    • view member level contribution history .

    Features included in our employee online services allow employees to:

    • view the value of their pension pot
    • review their contribution history details
    • change their personal details
    • see information on their investment funds
    • access to a Pensions learning centre.

    Our focus is to make our employer and employee journey simple and engaging. No matter what your employees’ plans are on saving for future life, having the relevant guidance and support to make more informed choices at the right time could drive a better financial outcome for them.

    We’ve redesigned our customer journey so that we continue to focus on meeting our customer needs.  Both employers and employees have their own dedicated Customer Service teams, making sure that we manage enquiries efficiently from beginning to end.

  • We can help employees take charge of their future by offering them online functionality. They can:

    • View/update their personal details quickly and easily
    • Request benefit statements
    • View and download policy and premium summary statements.
    • Manage payments:
      • make a single (lump sum) pension payment
      • view payment details, payment history, investment allocation and pricing record.
    • Manage funds:
      • do ‘What if?’ pension calculations
      • change investment choices online
      • move into or change investment strategy/pension investment approach
      • change the funds currently invested in
      • redirect future regular premiums to alternative fund(s)
      • change the funds invested in over a period of time.
    • Get policy valuations:
      • view current fund value
      • see the value at any date in the past
      • check unit holding at selected dates.
    • View unit history:
      • see from outset of the policy
      • see on a monthly basis (e.g. fund split, unit price and units allocated).
    • Keep security tight:
      • with our investment in the latest security technology, member’s online interaction is secure
      • the unique customer ID and PIN are sent in separate letters to their home address
      • members can change their PIN online to a combination of their choice.

How we can help

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