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The Exeter Income Protection

The Exeter Income Protection Products



Company Type

Friendly Society

Company Overview

With links going back as far as 1888, The Exeter as it is today was founded when two friendly societies joined forces: The Exeter Friendly Society and Pioneer Friendly Society.

As a mutual friendly society, they operate for the benefit of their members. They offer a range of protection products, including three different types of Income Protection policies.

They have won several awards for their policies and service over the years, including being awarded 5 stars for the Financial Adviser Service awards for 4 years in a row.

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Income Protection policy.

Simply fill in the form below to apply your two months free discount or call us on 02084327333 and state the code VC2MF.

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The Exeter Policy Summaries

Pure Protection Plus

  • This is their long-term plan designed for higher risk workers.
  • Pure Protection provides own occupation cover throughout the life of any claim and claim duration can be unlimited or set to a maximum of 2 or 5 years.
  • This policy only offers age banded premiums with the option to guarantee the increase rate.
  • Insure your earnings for a maximum monthly benefit of £10,000.

Income One Plus

  • This policy is only available to the very lowest risk occupations.
  • This policy exclusively offers own occupation cover while policyholders can choose between an unlimited claim duration or one that’s capped at either 2 or 5  years per claim.
  • This policy can offer Level Guaranteed Premiums, which will not change in price for the entirety of your policy’s term.
  • You can cover 60% of your income up to the first £100,000 and 40% of the rest of your income.

The Exeter – Income Protection Product Overview

As The Exeter are a Friendly Society that only specialise in Income Protection and Private Medical Insurance, they are not particularly well known but have an excellent reputation for customer service and claim payout rates.


Type of Product

Max. Claim Duration

Incapacity Definition

Premium Type

Policy Documents

Pure Protection One

Accident & Sickness Only

Unlimited/ 2 or 5 years

Own Occupation

Age Banded

Key facts PDFPolicy Terms PDF

Income One Plus

Accident & Sickness Only

Unlimited/ 2 or 5 years

Own Occupation

Level Guaranteed/ Age Banded

Key facts PDFPolicy Terms PDF

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.

Drewberry Reviews The Exeter

The Exeter have products that allow both manual workers and office based workers to gain access to own occupation cover, which is invaluable for anyone looking for Income Protection.

  • Unlike many other insurers, The Exeter allow deferred periods as short as 1 day and 7 days, which often suites those with a very low level of savings or those who do not receive sick pay from their employer.
  • The Exeter automatically include Waiver of Premium with their Income Protection policies, unlike some other insurers that may ask you to apply for it separately.
  • The Exeter offer Level Guaranteed premiums with their Income One Plus policies, which will not change in price for the entirety of the policy’s term. However, aside from this option, the only other premium type they offer is Age Banded.
  • An Income Protection policy from The Exeter has guaranteed insurability up to 20% if you get married, have a child, or take out a new mortgage.
  • You can continue to claim benefits if you return to work while you’re not fully recovered. Rehabilitation Benefit and Proportionate Benefit will pay reduced benefits to support you if you work part-time or with a reduced salary.
  • The Exeter has had consistently high payout rates, paying out for 94% of Income Protection claims for 3 years in a row since 2014.

The Exeter Income Protection: FAQs

We aim to know the policies we advise on, inside out and back to front. Below, we have provided answers to a couple of commonly asked questions with regards to The Exeter and their Income Protection products.

Q. If I choose Age Banded Reviewable premiums, should I expect my premiums to jump in price unexpectedly?

A. While age banded reviewable premiums will get more expensive as you get older, you shouldn’t expect them to suddenly leap in price without warning.

You can expect your premiums to increase after every review because they are being adjust to match your age. You may see an additional increase in your premiums if there are any changes that affect your policy.

This can include changes in taxation, the economy, or the Exeter’s expenses. The Exeter do not change the increase rate of policies on an individual basis, so your premiums will not increase if you make a claim.

The Exeter will also give you at least 30 days notice before they make any changes to the increase rate of your premiums.

Q. If I change occupations to one with a lower salary, am I still entitled to the same amount of cover that I applied for when I took out Income Protection?

A. The Exeter limit your benefit to 60% of your income and will asses any claim that you make to ensure that your benefit does not exceed 60% of your earnings.

If you have changed your occupation you should review your policy to ensure that your benefit meets The Exeter’s terms. If you don’t you may find yourself paying for cover that you are unable to claim.

Similarly, if you get a salary increase, you should consider increasing your Income Protection cover to match your new salary.

The Exeter offer guaranteed insurability if there are changes to your marital status, parental status, or to your mortgage.

Q. What sort of benefits do The Exeter offer their members?

A. As a member, you are entitled to a range of benefits provided by The Exeter.

These include a GP helpline where you can seek advice from medical professionals via phone or webcam, a private prescription service to avoid unnecessary visits to the doctor to receive medication, and a confidential support service which puts you in touch with a counsellor.

Need Expert Income Protection Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

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 talk to us.

  • 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 2943 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 want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02084327333 or email

Tom Conner

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
12/08/2020 Logo
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