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Income Protection


Updated with brand new features to offer total flexibility for your clients

Key features of the Shepherds Friendly

Income Protection

  • Replaces up to 70% of your client's pre-incapacity income, with no increase in premiums guaranteed between ages 16-30 and 52-70*
  • Available to anyone between the age of 16 and 60 at the start of the plan, whether employed or self-employed. Cover is available up to age 70 years and the minimum term is five years.
  • Premiums starting from £5 a month*
  • 5 Star Rating from Defaqto
  • Short-term benefit option now available, meaning your client can be covered for two-years, or longer if they choose.
  • Choice of flexible waiting periods, now including day one and week 1 cover, alongside 4, 8, 13, 26 and 52 weeks
  • Working Person's Benefit – to help top-up your client's income if they return to work on restricted duties, or take up a different occupation
  • House Person's Benefit – to protect your client's income if they are incapacitated while unemployed, a student or house person.
  • Premiums can be waived while your client is in claim, and also during a career break of between 3 and 24 months***
  • No rating by occupation
  • Guaranteed Insurability option – lets your clients increase their level of cover when certain life events take place
  • The option to increase their level of cover in line with the RPI rate of inflation
  • Interactive underwriting – aims to give clients a same-day decision
  • 97% of claims paid in 2016 – we pay all valid claims as promptly as possible

Further information

Our Income Protection plan offers your clients flexible protection to provide a monthly income if they are unable to work through illness or injury. Applying online is quick and easy, and clients should receive a decision on their plan within 24 hours thanks to our underwriting promise.

IMPORTANT THINGS TO CONSIDER

  • If you stop paying premiums under this plan, your benefit will cease.
  • If your income increases and you do not review your benefit level, you may not have sufficient benefit to meet your needs when you make a claim.
  • If your income decreases and you do not review your benefit level, you may not be able to claim the full amount of benefit you applied for when the plan started, or you may only be entitled to House Persons Benefit if you are unemployed at the date of incapacity.
  • If you cancel your plan, you will not receive any money back.
  • Benefits received from this plan may affect your entitlement to any other benefit.
  • If you do not give us accurate and honest answers about your health and lifestyle, we may not pay the benefit in the event of a claim.

*It’s worth noting whilst the plan has no increases during these periods, the premiums for all plan holders could be reviewed at our discretion. More information can be found in our Terms and Conditions.

** 18-year-old with a waiting period of one day, £376 of cover, premium of £5.00 a month

*** Client must have paid a premium for 12 months to be eligible

To get a Shepherds Friendly Income Protection quote please call us on 0161 495 6495 or apply online today.