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

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Tools & Calculators

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

Underwriting outcomes tool

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

Occupation tool

Occupation tool

See how your client's occupation may impact the underwriting decisions we apply to all our products, prior to any medical underwriting.

Underwriting decision

Protection recommendation tool

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

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

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

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

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

Income Protection sum assured calculator

Income Protection sum assured calculator

Find out how much monthly Income Protection cover your client can get based on their income.

See cover amount (xls, 122KB) opens in same tab

Our tools work best with our products

Flexible Personal and Business Protection Solutions 

Find out more about our products