Scottish Provident life insurance: who looks after policies now, contact numbers and claims
What happened to Scottish Provident, who looks after its policies now, which number to call, how to make a claim and how to trace an old policy.
- Brand
- Rebranded
- As Royal London in 2015
- Protection plans with
- Royal London
- Self Assurance and Pegasus
- Claims line
- 0345 271 0007
- Mon–Fri 8am–6pm
- Other long-term business
- Phoenix Life
- Transferred 1 January 2009
In a nutshell
Scottish Provident joined the Royal London Group in 2008 and was rebranded as Royal London in 2015. The name is still used: Scottish Provident is now a division and trading name of Royal London, which looks after its protection plans. The rest of Scottish Provident Limited’s long-term business moved to Phoenix Life Limited from 1 January 2009.
- Royal London looks after Scottish Provident protection plans, such as Self Assurance and Pegasus Whole of Life. The Self Assurance protection business moved to Royal London on 29 December 2008.
- To claim on any Scottish Provident plan, call 0345 271 0007 (Monday to Friday, 8am to 6pm) or email claims@scotprov.co.uk.
- For questions about a Self Assurance plan, or a Pegasus Whole of Life plan from 2013, call 0345 271 0900. For a unit-linked Pegasus plan from before 2013, call 0345 600 0435.
- The rest of Scottish Provident Limited’s long-term business moved to Phoenix Life Limited from 1 January 2009. Phoenix Life lists Scottish Provident as a previous provider, and its number for former Scottish Provident life policies is 0345 888 8372.
- Royal London says it can trace a live policy taken out with Scottish Provident, even without the paperwork.
Who were Scottish Provident?
Scottish Provident was a life insurance business. In 2008 its company, Scottish Provident Limited, carried on ordinary long-term insurance business. It wrote all its business in the UK, apart from euro business written by its registered branch in the Republic of Ireland.
- Company
- Scottish Provident Limited (SC212709), incorporated 3 November 2000
- Earlier company
- The Scottish Provident Institution (SZ000005)
- Business (2008)
- Ordinary long-term insurance, written in the UK and through a branch in the Republic of Ireland
- Joined the Royal London Group
- 2008
- Rebranded as Royal London
- 2015
- Today
- A division and trading name of The Royal London Mutual Insurance Society Limited
Scottish Provident Limited was incorporated on 3 November 2000, and The Scottish Provident Institution’s policies were transferred to it in 2001. Before that, the Institution acquired the Prolific life business in 1993. PFM Assurance, Scottish Provident Assurance and Scottish Provident Managed Pension Funds Limited policies transferred to the Institution in 1995.
In 2008 Scottish Provident Limited had four principal funds: a with-profits fund, a special with-profits fund, a non-profit fund and a shareholder fund. The with-profits fund held conventional and unitised with-profits policies and was closed to new business, other than increments on some existing business. The special with-profits fund held the former Prolific life business.
Royal London’s 2008 annual report says Scottish Provident joined the Royal London Group in 2008 and produced £172m in new protection premiums that year. Royal London later described Scottish Provident as a business unit providing protection products in the UK through intermediaries.
Its protection plans include Self Assurance, in mortgage, term personal and term business versions. A Self Assurance plan could include death benefit, death or earlier critical illness benefit, critical illness benefit, disability income benefit (income protection) and premium payment benefit (waiver of premium). Its death benefit pays out if the person covered dies or is diagnosed with a terminal illness that meets the plan definition.
Pegasus Whole of Life is a regular premium whole of life plan that aims to pay a lump sum when you die. Its death benefit also pays out on a diagnosis of a terminal illness that meets the plan definition.
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What happened to Scottish Provident?
Scottish Provident joined the Royal London Group in 2008 and was rebranded as Royal London in 2015. Royal London says it owns Scottish Provident, which is now a division and trading name of The Royal London Mutual Insurance Society Limited.
On 1 May 2008 Scottish Provident Limited’s ultimate parent, Resolution plc, was acquired by Impala Holdings Limited, a subsidiary of Pearl Group Limited. Royal London bought some of the former Resolution businesses and assets from Pearl Group and completed the deal in 2008. Wikipedia says the deal covered the protection businesses Scottish Provident and Scottish Mutual, Phoenix Life Assurance Limited and Scottish Provident International.
Scottish Provident Limited’s long-term business then moved to two companies under Part VII of the Financial Services and Markets Act 2000. On 29 December 2008 part of it went to The Royal London Mutual Insurance Society Limited, including the UK non-linked, non-profit Self Assurance protection business. The High Court had approved that scheme on 4 December 2008. Royal London’s 2008 annual report says over 1.25 million policies from Scottish Provident, Scottish Mutual and Phoenix Life Assurance Limited transferred to Royal London in December 2008.
From 1 January 2009, the rest of Scottish Provident Limited’s long-term business transferred to Phoenix Life Limited, a fellow group company. The High Court approved that scheme on 30 January 2009. Scottish Provident Limited’s board then applied to the Financial Services Authority to cancel its authorisation to carry on long-term business.
Phoenix Life’s history says Scottish Provident Limited’s healthcare and protection policies moved to Royal London in 2008. Phoenix Life also lists Scottish Provident among the companies whose policies it took on.
Royal London ran Scottish Provident as a UK protection business unit until 2015. That year it rebranded Scottish Provident and Bright Grey as Royal London and combined them.
The FCA register now lists Scottish Provident as a name that The Royal London Mutual Insurance Society Limited is also, or was previously, known by. Royal London’s contact page lists Scottish Provident among the specialist businesses it has bought, owned and rebranded.
Neither of the old Scottish Provident companies is authorised today. Companies House shows that Scottish Provident Limited used the Scottish Provident name until 18 May 2010, became Impala Loan Company 1 Limited and was dissolved on 29 April 2025.
The Scottish Provident Institution used that name on the register until 29 June 2009 and is now The Phoenix Life SCP Institution. Companies House lists it as an active, dormant unregistered company, with Phoenix Life Limited holding 75% or more of its voting rights.
- Brand
- Rebranded as Royal London in 2015; the name is still used for existing plans
- Protection business moved to
- The Royal London Mutual Insurance Society Limited, 29 December 2008 (Part VII transfer)
- Remaining long-term business moved to
- Phoenix Life Limited, from 1 January 2009 (Part VII transfer)
- Scottish Provident today
- A division and trading name of Royal London
- Claims line
- 0345 271 0007, Mon–Fri 8am–6pm
- Royal London FCA number
- 117672
- Scottish Provident Limited
- FCA 196016, no longer authorised; company SC212709 dissolved 29 April 2025
- The Scottish Provident Institution
- FCA 110459, no longer authorised; now The Phoenix Life SCP Institution (SZ000005), dormant
Scottish Provident history
-
1993
The Scottish Provident Institution acquires the Prolific life business.
-
1995
PFM Assurance, Scottish Provident Assurance and Scottish Provident Managed Pension Funds Limited policies are transferred to the Scottish Provident Institution.
-
2000
Scottish Provident Limited (SC212709) is incorporated on 3 November.
-
2001
The Scottish Provident Institution’s policies are transferred to Scottish Provident Limited.
-
2008
On 1 May, Scottish Provident Limited’s ultimate parent, Resolution plc, is acquired by a Pearl Group subsidiary. Royal London completes its purchase of some former Resolution businesses and assets from Pearl Group, and Scottish Provident joins the Royal London Group.
-
2008
On 29 December, part of the long-term business moves to The Royal London Mutual Insurance Society Limited, including the Self Assurance protection business. The High Court approved the Part VII scheme on 4 December.
-
2009
From 1 January, the remaining long-term business of Scottish Provident Limited moves to Phoenix Life Limited under a Part VII scheme approved by the High Court on 30 January.
-
2009
The Scottish Provident Institution stops using that name on 29 June and becomes The Phoenix Life SCP Institution.
-
2009
Wikipedia says the offshore businesses Scottish Provident International and Scottish Life International combine at the beginning of 2009 to form Royal London 360°, based in the Isle of Man.
-
2010
Scottish Provident Limited stops using the Scottish Provident name on 18 May and becomes Impala Loan Company 1 Limited.
-
2015
Scottish Provident is rebranded as Royal London and combined with Bright Grey.
-
2025
Impala Loan Company 1 Limited, formerly Scottish Provident Limited, is dissolved on 29 April.
Existing Scottish Provident policies
Who looks after a Scottish Provident policy depends on the type of plan. Royal London looks after protection plans such as Self Assurance and Pegasus Whole of Life. The rest of Scottish Provident Limited’s long-term business moved to Phoenix Life Limited from 1 January 2009.
Protection plans with Royal London. Self Assurance and Pegasus Whole of Life plans are looked after by Scottish Provident, a division of Royal London, through scotprov.co.uk. The Self Assurance key features say that Scottish Provident, the company you originally took your plan out with, has been part of the Royal London Group since 2008.
Royal London says Pegasus and Pegasus Whole of Life have rebranded to Royal London. The Pegasus Whole of Life key features say Royal London provides the plan, and its product guide says the terms are part of the contract between you and Royal London. Royal London invites anyone who had, or thinks they had, a Scottish Provident policy to get in touch.
Other policies with Phoenix Life. Scottish Provident Limited’s remaining long-term business moved to Phoenix Life Limited from 1 January 2009. Its 2008 accounts say special with-profits fund policies would convert to non-profit and move to a new ‘SPI with profit fund’ in Phoenix Life Limited.
Phoenix Life lists Scottish Provident as a previous provider. It says a policy it holds is likely to be an investment policy, a pension, a life policy or a mortgage endowment policy. Its contact page has numbers for former Scottish Provident life policies (whole of life, endowment or term assurance), pensions, investment bonds and annuities.
We found no published list of which Scottish Provident plan types went to each company. If you’re not sure who has your policy, check your latest statement or letter for the company name and plan number. The steps below explain how to trace a policy if you don’t have the paperwork.
- Self Assurance plans
- Royal London (Scottish Provident division)
- Pegasus Whole of Life plans
- Royal London
- Other long-term business (from 1 January 2009)
- Phoenix Life Limited
- Self Assurance terms
- Product guide, Policy Benefit Schedule(s) and Policy Benefit Cover Sheet
- Trust forms
- Royal London versions, usable for Scottish Provident plans
- A Self Assurance plan has no cash-in value at any time. If you stop paying the premiums, the cover stops and nothing is paid.
- A Self Assurance plan won’t pay a terminal illness claim in the last 12 months before the cover end date.
- A Pegasus Whole of Life plan has no cash-in value either. If you stop paying the premiums, the plan stops and you get nothing back.
- If your Self Assurance plan has reviewable premiums, the first review is 5 years after the plan starts, then every 5 years.
- The Self Assurance plan, apart from unemployment benefit, is covered by the Financial Services Compensation Scheme.
- You can use Royal London’s trust forms to put an existing Scottish Provident plan in trust.
- Fact sheets for the RLL Pegasus Growth, RLL Pegasus Safety and RLL Pegasus Opportunity funds are now in the Life Funds section of Royal London’s adviser website.
Tracing an old Scottish Provident policy. Royal London lists Scottish Provident on its contact page and says it can trace a policy from a listed company if it’s live. Paperwork showing a plan, plan number or scheme number is a good starting point. Without it, Royal London can search using your name, address and date of birth.
If you’ve found a statement for a partner or relative who has passed away, Royal London says you can call with the plan number or reference on the statement.
Royal London says it may not be able to trace a policy if a claim was made before, because it keeps claim records only for the 6-year legal minimum.
For information about a previous policy provider, Phoenix Life gives 0345 788 3311, Monday to Friday, 8.30am to 5.30pm, excluding bank holidays.
Royal London also points people to The Policy Detective, which can help track down insurance policies with companies that have changed name or merged. For pension plans, it says the MoneyHelper website can help trace personal pensions and the Pension Tracing Service can help find workplace pensions.
Our guide to lost life insurance policies explains other ways to check whether someone had cover.
Contacting Scottish Provident and making a claim
To make a claim on any Scottish Provident plan, call 0345 271 0007 or email claims@scotprov.co.uk. For existing plan enquiries, Scottish Provident’s website asks you to check your plan type and call the matching number. Royal London asks you to have your paper statement or policy references to hand when you call.
Royal London’s Scottish Provident page gives 0345 271 0007 for bereavement, illness and disability claims, and its claims page gives the same number for plans bought through a financial adviser. To claim on a Self Assurance plan, the key features say you can phone 0345 271 0007 or write to Scottish Provident.
On scotprov.co.uk, customer service is on 0345 271 0900 (or servicing@scotprov.co.uk) for all Self Assurance plans and for Pegasus Whole of Life plans from 2013. For unit-linked Pegasus plans from before 2013, scotprov.co.uk gives 0345 600 0435. Royal London’s own Scottish Provident page splits the numbers differently: 0345 271 0900 for term assurance plans and 0345 6000 435 for whole of life plans. That second number has the same digits scotprov.co.uk gives for the older unit-linked Pegasus plans.
Scottish Provident breaks a claim into five steps: reading your plan documents, filling in the claim forms, gathering the relevant information, considering the claim and keeping you up to date. Its literature page has claims guides to download for life assurance, critical or terminal illness, disability income benefit, total permanent disability and unemployment benefit claims.
If you no longer have your plan documents, or can’t find them, the Self Assurance product guide says to call the customer care team on 0345 271 0007.
For a life insurance claim, the claims guide asks for the original death certificate, which Scottish Provident sends straight back. It also asks for the original policy schedule or a completed lost policy form. For a single-life plan, it asks for the original grant of probate or letter of administration, or a grant of confirmation if the person who died lived in Scotland. If the plan is in joint names, payment is normally made to the surviving person once the claim is accepted.
The plan must be current, with all premiums paid, for a claim to be made. For a critical or terminal illness claim, keep paying your premiums until Scottish Provident has decided the claim. If it pays out, it gives back any premiums overpaid during the claims process.
For Self Assurance benefits other than disability income benefit, the key features say you must write to tell Scottish Provident about a claim within 13 weeks of the event. When you notify a Self Assurance claim, you need to give your plan number and details of the claim.
You can also tell Royal London about a death online, by phone or by post. Its bereavement page gives 0345 646 2096 for Scottish Provident critical illness and protection policies, and 0345 646 2098 for Pegasus or Pegasus Whole of Life policies.
It asks for the person’s full name, last known address, date of birth, date of death and any policy or plan numbers, and may need the death certificate number. It says it’ll let you know when it’s OK to stop paying premiums and will refund any overpaid premiums.
For plans bought through a financial adviser, Royal London says it makes the payment as soon as it has all the information requested and accepts the claim. The money usually clears in 3 to 5 working days.
If your former Scottish Provident policy is with Phoenix Life, call 0345 888 8372 for life policies (whole of life, endowment or term assurance) or investment bonds. Phoenix Life gives 0345 888 7367 for executive, group and personal pensions, 0345 886 6953 for annuities and 0345 600 6096 for all other queries.
Phoenix Life’s lines are open Monday to Friday, 8.30am to 5.30pm (9.30am to 5.30pm on Wednesdays), excluding bank holidays. From overseas, its number for former Scottish Provident life policies is +44 (0)1733 793 301. Phoenix Life asks you to have your policy number to hand when you call.
Scottish Provident also lists Lifeline, a confidential helpline offering legal and medical advice, on 0345 601 2638 (Monday to Friday, 9am to 5pm). It says counselling and tax advice are no longer available, and that Lifeline is entirely separate from Scottish Provident and provided by third parties. The service isn’t part of the plan terms and can be changed or withdrawn at any time.
For a complaint about a Self Assurance plan or its service, the key features say to call customer relations on 0345 271 0900 or write to Scottish Provident.
- Claims on any plan
- 0345 271 0007
- Claims email
- claims@scotprov.co.uk
- Self Assurance, or Pegasus Whole of Life from 2013
- 0345 271 0900
- Servicing email
- servicing@scotprov.co.uk
- Unit-linked Pegasus, before 2013
- 0345 600 0435
- Opening hours
- Mon–Fri 8am–6pm, excluding bank holidays
- Address
- Scottish Provident, Skypark 4, 48 Finnieston Square, Glasgow G3 8ET
- Telling Royal London about a death (Scottish Provident protection policies)
- 0345 646 2096
- Telling Royal London about a death (Pegasus)
- 0345 646 2098
- Phoenix Life: life policies
- 0345 888 8372
- Phoenix Life: life policies from overseas
- +44 (0)1733 793 301
- Phoenix Life address
- Phoenix Life, PO Box 1457, Peterborough, PE2 2WG
- Phoenix Life: previous policy provider enquiries
- 0345 788 3311
- Scottish Provident contact page
- scotprov.co.uk: Contact Us (opens in a new tab)
- Royal London’s Scottish Provident page
- royallondon.com: Looking for Scottish Provident? (opens in a new tab)
- Phoenix Life contact page
- phoenixlife.co.uk: Contact (opens in a new tab)
The postal addresses differ between pages. Scottish Provident’s contact page gives Skypark 4, 48 Finnieston Square, Glasgow G3 8ET. Royal London’s claims page for adviser-bought plans gives Skypark, 8 Elliot Place, Glasgow, G3 8EP for Scottish Provident plans, and its bereavement page gives 301 St Vincent Street, Glasgow G2 5PB.
It’s worth calling before you post original documents, so you know which address to send them to.
Opening hours also differ slightly: Scottish Provident’s claims guides and Self Assurance key features say 8.30am to 6pm, Monday to Friday, while its website says 8am to 6pm.
The insurer behind the Scottish Provident plans that Royal London looks after is The Royal London Mutual Insurance Society Limited. It’s authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 117672). It’s registered in England and Wales (company number 99064), with its registered office at 80 Fenchurch Street, London, EC3M 4BY.
Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It’s registered in England and Wales under number 1016269.
Phone numbers, addresses and opening hours checked on 3 October 2026.
Scottish Provident policy documents
Scottish Provident still publishes a product guide and key features for Self Assurance and for Pegasus Whole of Life, and its claims guides, on its literature page. The Self Assurance product guide, with your Policy Benefit Schedule(s) and Policy Benefit Cover Sheet, holds the terms and conditions of your plan. The Pegasus key features are there to help you decide whether increasing the cover under your plan is right for you.
-
Self Assurance product guide (July 2026) (opens in a new tab)
Terms and conditions of the Self Assurance mortgage, term personal and term business plans, SCPR5265.
-
Self Assurance key features (July 2026) (opens in a new tab)
Key features of the Self Assurance plans, SCPR5279.
-
Pegasus Whole of Life product guide (July 2026) (opens in a new tab)
Terms and conditions of the Pegasus Whole of Life Plan, SCPR6223.
-
Pegasus Whole of Life key features (July 2026) (opens in a new tab)
Key features of the Pegasus Whole of Life Plan, SCPR6222.
-
Making a life assurance claim (May 2025) (opens in a new tab)
Claims guide with the checklist of documents for a life claim, SCPR5351.
-
Making a critical illness or terminal illness claim (May 2025) (opens in a new tab)
Claims guide for critical and terminal illness claims, SCPR5348.
-
Scottish Provident Limited report and financial statements 2008 (opens in a new tab)
Filed at Companies House; describes the transfers to Royal London and Phoenix Life Limited.
Links checked on 3 October 2026.
Looking for new life cover?
You can’t buy new cover under the Scottish Provident name. It was rebranded as Royal London in 2015, and its website invites people who already have a protection plan to get in touch.
If you already have a Scottish Provident protection plan such as Self Assurance or Pegasus Whole of Life, Royal London still looks after it. The change of name alone isn’t a reason to replace it. If you stop paying the premiums on either plan, though, your cover stops and you get nothing back.
If you need more cover, or cover for something new such as a mortgage, it helps to compare quotes from several insurers. Keep any existing policy in place until the new one has started, so you’re not left without cover in between.
The main types of new cover are term life insurance, whole of life cover, critical illness cover and over 50s life insurance. Our guides below explain how each works, and you can browse all our insurer reviews.
Guides to life cover
- Term life insurance: Cover for a set number of years, with level or decreasing cover.
- Whole of life insurance: Lifelong cover and how it differs from term cover.
- Critical illness cover: A lump sum on diagnosis of a serious illness your policy covers.
- Over 50s life insurance: Guaranteed acceptance for ages 50–85, and what to check before you buy.
- Income protection: A monthly payment if you can’t work due to accident or illness.
Insurer reviews
- Royal London life insurance review
- All insurer reviews: plain-English reviews of UK life insurers, listed alphabetically
Scottish Provident FAQs
Not as a separate brand. Scottish Provident was rebranded as Royal London in 2015. The name is still used for existing plans: Scottish Provident is a division and trading name of The Royal London Mutual Insurance Society Limited.
Royal London. Royal London says Scottish Provident is owned by Royal London, and Scottish Provident’s key features say it has been part of the Royal London Group since 2008.
For a Self Assurance plan, or a Pegasus Whole of Life plan from 2013, call 0345 271 0900. For a unit-linked Pegasus plan from before 2013, call 0345 600 0435. For a claim on any plan, call 0345 271 0007. The lines are open 8am to 6pm, Monday to Friday.
Call the claims team on 0345 271 0007 or email claims@scotprov.co.uk. Scottish Provident’s literature page has a claims guide for each type of claim, which explains the forms and documents it needs.
It depends on the type of policy: protection plans such as Self Assurance and Pegasus Whole of Life are with Royal London. The rest of Scottish Provident Limited’s long-term business moved to Phoenix Life Limited from 1 January 2009, and Phoenix Life lists Scottish Provident as a previous provider.
Your latest statement or letter should show which company you deal with. If you don’t have the paperwork, you can ask Royal London and Phoenix Life to check.
Call Royal London or Phoenix Life. Royal London says it can trace a live Scottish Provident policy using a plan or scheme number, or your name, address and date of birth. Phoenix Life also took on former Scottish Provident policies and gives 0345 788 3311 for information about a previous provider.
Our guide to lost life insurance policies has more ways to check.
Not a Self Assurance or Pegasus Whole of Life plan. Neither has a cash-in value at any time, and if you stop paying the premiums you get nothing back.
Yes. Royal London says its trust forms can be used for existing Scottish Provident plans. It strongly recommends taking separate legal and tax advice before signing a trust form and while the trust is in place.
Part of its business, including the Self Assurance protection business, transferred to The Royal London Mutual Insurance Society Limited on 29 December 2008. The rest of its long-term business moved to Phoenix Life Limited from 1 January 2009. Companies House shows the company stopped using the Scottish Provident name on 18 May 2010, became Impala Loan Company 1 Limited and was dissolved on 29 April 2025.
Not under the Scottish Provident name. Scottish Provident was rebranded as Royal London in 2015, and its website invites people who already have a protection plan to get in touch.
If you’re looking for new cover, our guides to term life insurance, critical illness cover and over 50s life insurance explain the main types.
Sources
The facts on this page come from these sources.
- Wikimedia Commons — File:Scottish Provident Building in Donegall Square West, Belfast - geograph.org.uk - 6191097.jpg (Wikimedia Commons) (opens in a new tab), commons.wikimedia.org, accessed 3 October 2026.
- The Royal London Mutual Insurance Society Limited (filed at Companies House) — Royal London Annual Report and Accounts 2008 (The Royal London Mutual Insurance Society Limited, filed at Companies House; scanned PDF, text by OCR checked against the page images) - Chairman's and Group Chief Executive's statements on the Resolution transaction (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Scottish Provident (a division of the Royal London Group) — Self Assurance Key Features - Mortgage, Term Personal and Term Business plans (SCPR5279, July 2026) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- The Royal London Mutual Insurance Society Limited — Royal London Annual Report and Accounts 2015 (extracts: protection new business and glossary entries for Bright Grey and Scottish Provident) (opens in a new tab), royallondon.com, accessed 3 October 2026.
- Scottish Provident (a division of The Royal London Mutual Insurance Society Limited) — Scottish Provident home page (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Scottish Provident (a division of the Royal London Group) — Pegasus Whole of Life Product Guide - terms and conditions (SCPR6223, July 2026) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Scottish Provident Limited (filed at Companies House) — Scottish Provident Limited Report and Financial Statements 31 December 2008 (filed at Companies House; scanned PDF, text by OCR checked against the page images) - Part VII transfers to Royal London and Phoenix Life Limited (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Phoenix Life — Phoenix Life - Our history (note 8: brief history of Scottish Mutual and Scottish Provident) (opens in a new tab), phoenixlife.co.uk, accessed 3 October 2026.
- Scottish Provident (a division of The Royal London Mutual Insurance Society Limited) — Scottish Provident - Contact Us (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Scottish Provident (a division of the Royal London Group) — Pegasus Whole of Life Key Features (SCPR6222, July 2026) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Royal London — Looking for Scottish Provident? (opens in a new tab), royallondon.com, accessed 3 October 2026.
- Phoenix Life — Phoenix Life - Contact (contact details shown when Scottish Provident is chosen as the previous policy provider) (opens in a new tab), phoenixlife.co.uk, accessed 3 October 2026.
- Royal London — Royal London - Contact us (Find your investment or insurance product: businesses rebranded as Royal London, older policies) (opens in a new tab), royallondon.com, accessed 3 October 2026.
- Companies House — Companies House - IMPALA LOAN COMPANY 1 LIMITED (SC212709), previously SCOTTISH PROVIDENT LIMITED: company overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Companies House — Companies House - THE PHOENIX LIFE SCP INSTITUTION (SZ000005), previously SCOTTISH PROVIDENT INSTITUTION (THE): company overview (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Wikipedia — Royal London Group (Wikipedia) - history section (opens in a new tab), en.wikipedia.org, accessed 3 October 2026.
- Phoenix Life — Phoenix Life - We want to reconnect you with your policy (lost policies) (opens in a new tab), phoenixlife.co.uk, accessed 3 October 2026.
- Financial Conduct Authority — FCA Financial Services Register - firm search results for 'scottish provident' (opens in a new tab), register.fca.org.uk, accessed 3 October 2026.
- Companies House — Companies House - THE PHOENIX LIFE SCP INSTITUTION (SZ000005): persons with significant control (opens in a new tab), find-and-update.company-information.service.gov.uk, accessed 3 October 2026.
- Royal London — Looking for Pegasus? (opens in a new tab), royallondon.com, accessed 3 October 2026.
- Scottish Provident (a division of the Royal London Group) — Self Assurance Product Guide - Mortgage, Term Personal and Term Business: terms and conditions (SCPR5265, July 2026) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Scottish Provident (a division of The Royal London Mutual Insurance Society Limited) — Scottish Provident - Literature (claims guides, Self Assurance and Pegasus product literature) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Royal London — Royal London - Access and download trust forms (opens in a new tab), royallondon.com, accessed 3 October 2026.
- Phoenix Life — Phoenix Life - Find your previous pension provider (Who looks after my policy) (opens in a new tab), phoenixlife.co.uk, accessed 3 October 2026.
- Royal London — Royal London - How to claim if you bought through a financial adviser (Plans with Scottish Provident) (opens in a new tab), royallondon.com, accessed 3 October 2026.
- Scottish Provident (a division of The Royal London Mutual Insurance Society Limited) — Scottish Provident - How to make a claim (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Scottish Provident (a division of the Royal London Group) — Making a Life Assurance Claim - claims guide (SCPR5351, May 2025) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Scottish Provident (a division of the Royal London Group) — Making a Critical Illness or Terminal Illness Claim - claims guide (SCPR5348, May 2025) (opens in a new tab), scotprov.co.uk, accessed 3 October 2026.
- Royal London — Royal London - Tell us about a bereavement (contact details shown when 'Critical illness and protection policies with Scottish Provident' or 'Policies taken out with Pegasus/Pegasus Whole of Life' is selected) (opens in a new tab), royallondon.com, accessed 3 October 2026.