Tools & calculators
Protection tools to help you add value, make recommendations and save you time before applications.
Underwriting decision tool
Log in to get an indicative underwriting decision for life cover, critical illness cover and income protection before starting your client's application.
Occupation tool
See how your client's occupation may impact the underwriting decisions we apply to all our products, prior to any medical underwriting.
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.
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.
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.
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.
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’.
Income Protection sum assured calculator
Find out how much monthly Income Protection cover your client can get based on their income.
Our tools work best with our products
Flexible Personal and Business Protection Solutions