Please note: Due to COVID-19 our team is now working remotely and experiencing more telephone and postal enquiries than usual. For your convenience, we recommend you email [email protected]. Find out more.

Income Protection

Protection with reviewable exclusions and enhanced benefits to suit a wide range of clients’ needs

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Coronavirus (COVID-19)

What are we doing to support our intermediaries and their clients?

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Main features of our Income Protection plan:





  • Replaces up to 70% of your client's pre-incapacity income
  • For both the employed and self-employed
  • No loading of premiums
  • For any reason, including occupation, smoker status or BMI up to 38
  • Interactive underwriting
  • Aims to give a same-day decision on your client's plan
  • Career break option
  • Of between three and 24 months, where the client’s cover and premiums are suspended, but the plan remains in-force
  • Short and long-term cover
  • Your client can choose between our two-year short-term or regular long-term cover
  • High claims paid rate
  • We’re proud to have paid 96.26% of all new claims in 2019
  • Working Person’s Benefit
  • Tops-up your client’s income if they return to work on restricted duties
  • Guaranteed Insurability Option
  • Allows your client to increase their level of cover when certain life events take place
  • All medical exclusions reviewable
  • Your clients can now ask to remove medical exclusions, providing the plan has been in force and they have been free of symptoms for a minimum of 12 months
  • £250 new child payment
  • A £250 payment into a Shepherds Friendly Junior ISA to help your clients save for their child’s future
  • Short-term family income benefit
  • £6,000 payment to their family on the death of the client

Enhanced Income Protection Benefits

Now part of our Income Protection plan at no extra cost