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Income Protection


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

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

Further information

For more information on our Income Protection plan please click here to visit our Product Literature page or call our Business Development Team on 0161 495 6495.