Clearer client outcomes start with Scottish Widows
Our goal? To make underwriting simpler, faster, and more reliable for advisers and their clients
Underwriting shouldn’t be a guessing game
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From instant decisions on straightforward cases to dedicated expert support on more complex ones—faster, clearer underwriting decisions can save time while strengthening client relationships.
You can use Scottish Widows’ new Underwriting Decision tool for a quick outcome before you start an application. The tool uses the same underwriting rules that underpin Scottish Widows’ full question set so you can use for clients with multiple medical conditions.
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Three
Minutes
With
Get a clearer view at every step of the protection underwriting journey with Scottish Widows, says Protection Specialist Jonathan Hall
marketing communication
What is Scottish Widows doing to speed up the underwriting process for advisers and clients?
We’re making underwriting work harder for you. More than 7 out of 10 cases receive a decision right at point of sale. No waiting. No wondering. Just clear outcomes, delivered upfront. That means fewer delays, fewer surprises, and more time for what matters most: your clients.
When cases get complex, we’re here for you too. Our dedicated underwriters are just a call away and we don’t just say yes or no, we explain, guide, and help you find the best path forward. Complex shouldn’t mean complicated.
LOOKING TO THE FUTURE
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CLEARER DECISIONS
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RETHINKING UNDERWRITING
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INTRODUCTION
Three Minutes With
Underwriting shouldn’t be a guessing game. It’s about giving clients clearer outcomes, building adviser confidence, and offering the right tools to set expectations from the very first conversation. Imagine providing your clients with a clear outcome right at the start. At Scottish Widows, we’re transforming the underwriting process to make this a reality.
Our new underwriting decision tool gives advisers instant answers—before the application even begins. It’s simple, fast, and accurate. We've designed it to make the process and your conversations easier. We want underwriting that works with you, not against you.
It reflects real-world complexities in a clear, usable format. The tool handles over 10,000 disclosure combinations, instantly assessing client health and lifestyle factors to give either a decision or a referral recommendation. No second-guessing. Just clear outcomes from the start.
How is Scottish Widows transforming the underwriting process?
We’re exploring how artificial intelligence can transform underwriting. By testing innovative AI solutions, we aim to automate manual processes, streamline the assessment of GP reports, and use large language models for quick, consistent decisions. Our goal? To make underwriting simpler, faster, and more reliable for advisers and their clients.
We want underwriting to feel less like a hurdle—and more like a helping hand. We’re excited to see where our testing leads as we gear up to deploy technology that truly works for you to embed underwriting seamlessly into your advice journey.
From instant decisions to AI-powered support, innovative tools to real human guidance—this is underwriting, built around you.
How is Scottish Widows making the underwriting process ready for the future?
