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Scottish Widows: Life Insurance reviews

Name: Life Insurance
Rating: 3.91 (8 reviews)

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3.91

Based on 8 reviews, last reviewed 20th Aug 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

38%

3 star

2 star

25%

Latest highest rating:

4

No problem so far but nothing amazing. No problem so far but nothing amazing. Either Reviewed on: 20th August 2026

Latest lowest rating:

1

Incompetent fraudsters refuse to pay out Despite being unable to contact the joint beneficiary of a life policy for over 15 years, this bunch of incompetent clowns just keep writing the same ... Read more Reviewed on: 23rd August 2023

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About this product

Do you want to find out what life as a Scottish Widows life insurance customer is like? Now you can! Read Scottish Widows life insurance reviews at Smart Money People to find out what other policy holders have to say.

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Scottish Widows Life Insurance reviews (8)

No problem so far but nothing amazing.

No problem so far but nothing amazing. Either Reviewed on: 20th August 2026

Always send me annual report on how much I have save...

Always send me annual report on how much I have saved for that year Reviewed on: 14th September 2025

My husband passed away 2 weeks ago, he had life insu...

My husband passed away 2 weeks ago, he had life insurance with Scottish Widows and they dealt with the claim within days. I think it was Heather I spoke to at the claims department and she couldn't have been any nicer. At last, a company who knows how to treat their customers! Reviewed on: 8th September 2024

Easy set up and easy to understand.

Easy set up and easy to understand. All broken down. Areas explained and covered Reviewed on: 23rd August 2024

Peace of mind

Always updated on our policy, which gives peace of mind. Reviewed on: 14th October 2023

Incompetent fraudsters refuse to pay out

Despite being unable to contact the joint beneficiary of a life policy for over 15 years, this bunch of incompetent clowns just keep writing the same brainless "you need to advise how we can contact your co-policy holder before we settle your half". And then, after several complaints, a breakthrough! Their customer services team agreed this was nonsense and that they had a number of similar previous cases where they had paid out the policy holders they were able to contact, and that they would instruct their payments team to settle half the fund value "within 10 days, direct to your bank account". 10 days later, no payment, and when I called, they said "you need to advise how we can contact your co-policy holder before we settle your half". Back to square one!. Useless, incompetent, unhelpful, they obviously just want to hold on to their customers' funds as long as possible to shore up their own dodgy finances. Don't touch them or their equally dodgy owners Lloyds bank - they're all a bunch of shysters. Reviewed on: 23rd August 2023

Zero customer service

I reported my fathers death to via my bank at the end of March requesting that his life insurance policy be redeemed. 3 months and 3 complaints later and I have not even managed to obtain a claim form from . Disgusting behaviour especially during a bereavement which is a bad enough time without this extra hassle. Scottish Widows openly admit that it is not their policy to talk to other departments within their own organisation. Agent stated “Departments do not talk to each other so messages left with customer services will not be address even when escalated as a complaint for the 3rd time”. Reviewed on: 24th June 2022

suits needs

been with SW for 3 years, fairly straightforward and easy going. no hassle insurance Reviewed on: 12th September 2017

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