• Welcome to Scottish Widows Adviser Site

    This site is designed and intended for UK authorised and regulated financial advisers and intermediaries only.

    If you are not a financial adviser or intermediary, please visit our personal site

    Continue to our website

    Tools & Calculators

    Protection tools to help you add value, make recommendations and save you time before applications.

    Underwriting outcomes tool

    This tool lets you input some basic client information and obtain an indicative underwriting decision for some of the commonly disclosed illnesses and conditions.

    See outcomes

    Definition of disability tool

    See how your client's occupation can decide the definition of disability which applies to Total Permanent Disability (TPD) or Premium Protection (PP), prior to any medical underwriting.

    Define disability

    Protection recommendation tool

    This tool can help you explain to your client why you’re recommending Scottish Widows Protect and you can use it to produce a client suitability letter. 

    Make a recommendation

    Relevant life policy calculator

    Help highlight how a business owner can save money by taking out a relevant life policy through their business, rather than an individual policy for themselves.

    Show savings

    Business valuation calculator

    Assess the value of a client's business to make a recommendation for the protection they need. You'll need to work with the accountant to verify net profit and net asset figures.

    See the value

    Key person calculator

    See the level of cover to recommend for a key person in a business. First, you need to know what percentage of the business belongs to the key person and what percentage of profits are directly attributed to them.

    Cover a Key Person

    Premium equalisation calculator

    Calculate the difference in protection premiums for shareholding business partners. Any difference may be subject to an IHT charge, so you might want to recommend ‘premium equalisation’.

    Equalise premiums

    Our tools work best with our products

    We hope you make the most of our time saving, client educating protection tools. See how they deliver actual results with our suite of flexible and client focussed protection options.

    See our protection options