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The Exeter | Income One




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. 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

A traditional income protection product designed and priced specifically for low risk occupations. The Income One product is very popular with young professionals.


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 the policy terms for the Income One 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 Policy Conditions

An overview of the key policy details of The Exeter’s Income Protection Solutions proposition.

Overview of Key Policy Details

Policy Type

Income Protection
Accident & Sickness Only Designed for Low Risk Occupations


Full Medical Underwriting

Premium Type

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

Maximum Claim Duration

Until the end of the plan or when you are able to return to work, whichever is sooner.

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

1 / 4 / 8 / 13 / 26 week


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

Waiver of Premium


Maximum Cover
(% Income)

65% Gross
Taxable Earnings
For first £60k of earnings and 40% thereafter.

Maximum Cover
(£ per month)


Max. Policy Cease Age

68 years old

Min. Policy Term

5 years

Min. Entry Age

16 years old

Max. Entry Age

59 years old

Guaranteed Insurability


Guaranteed Benefit


Overseas Travel


Policy Exclusions

  • Pregnancy
  • Working Abroad
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