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The Exeter | Bills & Things




Policy Terms PDF
Key facts PDF

Company Type

Friendly Society

Company Overview

Previously known as Pioneer and Exeter Friendly the two brands have been brought together to form Exeter Family Friendly. Exeter Family Friendly was rebranded in 2015 to The Exeter. They aim to provide transparent and affordable products, complimented by high quality and personalised service.

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Type of Policy
Income Required
Date of Birth

Income Protection Overview

Although the Bills & Things policy has a benefit limited to £1,000 per month there is no proof of earnings required. It is very appropriate for individuals with a fluctuating income who require short term protection.


The Exeter 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 Bills & Things Premium Rate Table


It is good to know The Exeter publish their claim statistics where many insurers still decline to do so…


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


The Exeter – Bills & Things Policy Details

An overview of the key policy details of The Exeter – Bills & Things proposition.

Overview of Key Policy Details

Policy Type

Income Protection
Accident & Sickness Only


Full Medical Underwriting

Premium Type

Age Banded
Premiums increase with age in line with the published rate table.

Maximum Claim Duration

12 Month Claim Period or 24 Month Claim Period

Incapacity Definition

Own Occupation
Incapacity definition for the majority of occupations. One of the few insurers who offer own occupation cover for individuals in higher risk job roles.

Deferred Period

4 weeks


When selected The Exeter will annually increase both the level of cover and the premium by the Retail Price Index.

Waiver of Premium


Maximum Cover
(% Income)

Not Applicable

Maximum Cover


Max. Policy Cease Age

68 years old

Min. Policy Term

Not Applicable

Min. Entry Age

16 years old

Max. Entry Age

59 years old

Guaranteed Insurability


Guaranteed Benefit

Your chosen level of benefit is guaranteed as the product requires no financial underwriting.

Overseas Travel

Decided on a case by case basis. For a claim to be paid, you must be resident and in the UK or in any country within the European Union at the time.

Policy Exclusions

  • Pregnancy
  • Working Abroad
We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

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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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The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
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Extremely helpful and rapid service at short notice.
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Very clear explanations of the options and then efficiently processed the transaction