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shepherds friendly income protection review

Shepherds Friendly Income Protection




Policy Terms PDF
Key facts PDF

Company Type

Friendly Society

Company Overview

Starting life as a sickness and benefits society the friendly society has grown from a traditional insurance provider to a modern broadly based financial organisation with over 25,000 members.

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Type of Policy
Income Required
Date of Birth

Income Protection Overview

A good traditional income protection policy from a Friendly Society however it is important to note the benefit payment is reduced after the first 2 years of a claim and premiums rise with age.


Shepherds Friendly use an ‘Own Occupation’ incapacity definition for the vast majority of occupations…


It is important to note that this plan has ‘Age Banded’ premiums which will rise at a set rate over the policy term. Please see Income Protection Plan Premium Rate Table


The Shepherds Friendly product has an application which includes full medical underwriting so you know exactly where you stand from the outset…


Shepherds Friendly Policy Details

An overview of the key policy details of Shepherds Friendly proposition.

Overview of Key Policy Details

Policy Type

Income Protection
(Accident & Sickness Only)


Friendly Society

Premium Type

Age Banded
The premiums will increase at a set rate over the life of the policy as you age.

Maximum Claim Duration


Incapacity Definition

Own Occupation
After 12 months depending on your occupation the definition of incapacity can change from ‘Own Occupation’ to ‘Reasonable Alternative’.

Deferred Period

Day 1 & 2 / 4 / 8 / 13 / 26 / 52 weeks


Both the benefit and premium will automatically increase annually in line with the Consumer Price Index.

Waiver of Premium


Maximum Cover
(% Income)

70% Gross
Taxable Earnings

Maximum Cover
(£ per month)


Max. Policy Cease Age

65 years old

Min. Policy Term

5 years

Min. Entry Age

16 years old

Max. Entry Age

60 years old

Guaranteed Insurability


Guaranteed Benefit


Overseas Travel

Decided on a case by case basis.

Policy Exclusions

Hazardous activities
Including diving, hand/para-gliding, parachuting, mountaineering, rock climbing and caving.

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1,263 Reviews
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SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

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