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

Quote and apply

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 95.69% of all new claims over the past 5 years
  • 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

Enhanced Benefits

Now part of our Income Protection plan at no extra cost

Your clients are our members; so, like you, we always aim to put them first. Your new and existing clients with Shepherds Friendly Income Protection plans can enjoy our Enhanced Benefits, at no extra cost. We’ve partnered with Nuffield Health to offer a range of health and wellbeing benefits, on top of our existing financial benefits. Please see below to find out more.

Nuffield Health Benefits

Nuffield Health Virtual GP

24/7 GP access, wherever. With unlimited appointments, your clients can have as many 20-minute video or phone GP consultations as they need, giving them peace of mind knowing their health is in good hands. Powered by Doctor Care Anywhere.

Nuffield Health Gym Discount Membership

With a discounted 'Anytime' membership at Nuffield Health Gyms, your clients can get fitter, feel healthier and enjoy savings at the same time.

Nuffield Health Emotional Wellbeing

Accredited by the National Institute for Health and Care Excellence (NICE), Nuffield Health's Emotional Wellbeing platform is designed to help your clients maintain and improve their emotional wellbeing.

Family Support Benefits

Bereavement Payment

Our Bereavement Payment is there for your client’s loved ones should the worst happen. If your client dies during the term of the plan, we will make a payment of £6,000 to offer their family support at what will surely be a difficult time.

Terms and conditions apply.

New Child Payment

This is a £250 payment that will be made, into a Shepherds Friendly Junior ISA, upon the birth or adoption of a child and is a great way for your clients to give their little ones a head start in life.

Terms and conditions apply.