Income Protection

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

Quote and apply



Main features of our Income Protection plan:





  • High claims paid rate
  • We're proud to have paid 95.2% of all new claims over the past five years
  • No loading of premiums
  • For any reason, including occupation, smoker status or BMI
  • Short and long-term cover
  • Your client has the option to choose between our one-year or two-year short-term cover, or long-term cover which would pay a benefit until retirement.
  • Career break option
  • Of between three and 24 months, where the client’s cover and premiums are suspended, but the plan remains in-force
  • 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 for 12 months and the client has been symptom free for 12 months. Please note that this option is only available to clients who have been reviewed using the Full Health & Lifestyle Application
  • Enhanced Benefits
  • Health and wellbeing benefits for your client, in partnership with Nuffield Health.

Enhanced Benefits

Now part of our Income Protection plan at no extra cost

For short-term cover applications, we now offer a simplified underwriting option where you can quote and apply in under five minutes. Provided that your client meets the following criteria, the Simplified Application option will be offered:

  • Requires short-term benefit (one or two years)
  • Maximum benefit required does not exceed £33,600 per annum
  • Has a BMI of 34 or less
  • Does not smoke more than 12 cigarettes a day
  • Does not consume more than 25 units of alcohol per week, has never been dependant on alcohol or been advised to reduce their intake
  • Has not used cannabis within the last year and does not intend to
  • Has never used any recreational or non-prescription drugs and does not intend to

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.