Personal Protection solutions

Life can be unpredictable. If the worst should happen, such as a serious accident, illness or death, it could mean financial hardship for you, your family and anyone dependent on you. In these circumstances, making sure you have the right protection in place is essential.

For access to advice from a Private Banking and Advice Manager, you’ll need at least £250,000 in savings, investments and/or personal pensions and/or a sole annual income of at least £250,000.
Before we provide you with any services or products, we will explain and agree with you what advice can be given, the products and services this advice covers and any charges that will apply.

Learn more

We offer three types of protection that can provide you with reassurance whatever the future may bring.

There may be age restrictions, exclusions and/or limitations attached to some of these policies as they are all subject to separate terms and conditions which an adviser can tell you about. Fees and charges may apply.

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Life Assurance

A life assurance policy could continue to provide financial security for loved ones in the event of your death, which could help safeguard your home and secure their future.

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Income Protection

Income protection could provide regular payments if you are unable to work due to an accident or long term illness. You can then concentrate on recovery rather than worrying about how regular expenses are going to be met.

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Critical Illness insurance

If you are diagnosed with a critical illness covered by the insurance, the policy could pay out a lump sum. This money could be used to help with your care, or to provide financial help for you and your family.

Before we provide you with any services or products, we will explain and agree with you what advice can be given, the products and services this advice covers and any charges that will apply.

Advised services are provided by Bank of Scotland plc or Lloyds Bank plc dependent upon the nature of the advice. Our recommendations will be based on our understanding of your personal circumstances and plans at the time that we provide you with advice. For Advised services, we will advise and make a recommendation for you after we have assessed your needs. We only offer selected products from a limited number of companies. You can find out more about adviser fee charging and professional standards by visiting the FCA.

Non-advised services are provided by Bank of Scotland plc in relation to banking, savings and lending products. For non-advised services, you will not receive advice or a recommendation from us and you will need to make your own choice about how to proceed.

Become a client

To arrange an appointment with one of our Private Banking and Advice Managers book an appointment online or call us. Lines are open Monday to Friday from 09:00 to 17:00 (Tuesday and Thursday until 19:00) and Saturday from 09:00 to 13:00, excluding Bank Holidays.

Calls may be monitored and recorded. Local call charges apply to calls from UK landlines, and may be higher for calls from mobile phones, or from abroad.

Appointment form

Please complete our form to request an appointment with a Private Banking and Advice Manager

BY PHONE

If you would prefer to arrange your appointment by phone, please call us on: