Psychologist Analyses Her Income Protection Options

Online Quote & Apply
5 mins

Jo’s Story

The term ‘Super Mum’ hardly does justice to Jo from York.

Psychologist Jo

Jo’s a forensic psychologist who runs a thriving non-profit consultancy, called PETROS. She founded the business while bringing up her daughter Madison and her foster son Jordan, as a single parent and still finding time to ride her beloved horse, Shadow.

Jo started her career as a psychologist with a 20-year stint in HM Prison Service.

“As you can imagine,” she says, “this is a pretty high-stress environment.

“It was my experiences here that helped me to become an expert on resilience, namely those strategies that we all employ in order to cope with demanding situations.”

Resilience, Building a Business…

“It was only natural that ‘resilience’ became the subject of the PhD I completed in 2000,” says Jo.

“From there, I began to develop my research into a series of practical programmes of resilience coaching that could be applied by people from all walks of life.

“Once these began to grow it was only a matter of time before PETROS, our non-profit consultancy was born.


“After spending eight years attached to the University of York, I started to build PETROS up from the ground in 2013. We’re now a business with two directors and eight full-time associates,” she says.

“We’re all certified practitioners in a variety of different programmes and we deliver these programmes to our clients.

“We like to say that we help people to ‘not just survive but to thrive’,” she says.

“Today we have corporate clients in sectors such as engineering, energy and leisure as well as a thriving family practice that helps parents and children with challenging behaviour to develop better coping strategies.”

Why Jo Turned to Income Protection

“I’d never given Income Protection much thought before as I’d always had full-time salaried benefits when I worked for the Prison Service and the University of York,” Jo explains.

Horse Riding

“But as our business has grown over the years I’ve gradually reduced the number of salaried days I work. By September of last year I was down to one day a week and now I’m fully self-employed at PETROS.

“I began to realise that I needed to put some proper sickness insurance in place,” she says, “and it was then that a colleague in the Prison Service recommended that I talk to Drewberry.”

Making Sure My Income Protection Worked for Me…

“My Drewberry adviser, Josh Martin, was fantastic. He managed to be supportive and helpful but without being intrusive.

“He helped me to personalise my Income Protection plan, to find cover that was based on my ‘own occupation’ and which included a number of valuable additional benefits.

“I was thrilled to learn that my policy also covers me for horse riding as riding’s always been a love of mine,” says Jo, “and it’s become one of my own survival strategies. However, not every insurer offers cover due to the risks involved,” she says.

Family Income Protection Insurance

“Because I’ve managed to build up some savings my policy has a six-month deferral period,” she says.

family income protection
Loved Ones

“This keeps the premiums down but it means that if the worst should happen,” she says, “it won’t become a crisis.

“I’ve always been a single parent so I’ve always had to stand on my own two feet.

“With a daughter about to go to university and a foster son still at school, my policy has given me peace of mind.”

“Whatever might happen, I know our family will always be protected,” says Jo.

Josh Martin

Jo’s Income Protection Advice from Josh

Jo’s Drewberry adviser was Josh Martin. As Josh recalls, “We searched the whole market and, based on Jo’s criteria, we found that Friends Life Income Insurance was the cheapest option out there.”

“This provider was an especially good fit with Jo’s needs as it also offers four important additional benefits that Jo’s likely to make use of as a busy mum and foster parent.”

The policy offers access to Bupa’s 24/7 Healthline that’s staffed by medical professionals. You don’t need to make a claim to use the service, so it’s very popular with clients who have young families. It also includes the ‘Best Doctors’ service, which offers second medical opinions from world-leading specialists, alongside both therapy benefit and carers’ benefit.

Need Income Protection Advice?

If you find yourself in a similar position to Jo and are looking to set-up suitable financial protection to look after you and your loved ones then please don’t hesitate to get in touch.

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 3782 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Tom Conner Director at Drewberry

If it is all getting a little confusing and you need some help we are only at the other end of the phone.

Please don’t hesitate to pop us a call on 02084327333 or email

Tom Conner

Compare Top 10 UK Insurers

Takes approx. 60 seconds
  • £
Verified by Norton Symantec icon
 Or Call Us

Contact Us

Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Drewberry London Office MapDrewberry Brighton Office Map

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.


Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies including for ad personalization.

If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.