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Protected Lifestyle - Introduction

The Protected Lifestyle fund ranges are available to Protected Lifestyle policies which were sold internationally by Scottish Life International Insurance Company Limited prior to 2009. Protected Lifestyle is now closed to new business.


Protected Lifestyle was predominantly a protection based policy, similar to our new business protection policy LifePlan. It provided various benefits such as life and critical illness cover, in return for regular premiums.


The available fund range originally consisted of our internal protected funds, denominated in GBP, USD or EUR. Following the closure of a large proportion of that range, as of March 2014, a new external fund range was introduced in December 2014.


The external fund range offers 80+ funds to choose from. All of which are from well known and highly regarded fund groups. These span various sectors and themes in a choice of GBP, USD and EUR denominations.


Clients that decide to access the external fund range cannot hold a mixture of protected and external funds within their policy. They must switch 100% out of the protected range and into the external range. Once they do this they can no longer reinvest back into the internal protected funds.