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The Exeter | Pure Protection




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

One of the few products which can provide individuals in higher risk occupations with an ‘Own Occupation’ incapacity definition. Give the age banded premiums it is very popular with younger individuals who are manual job roles.


Exeter Family 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 One Premium Rate Table


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


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


Exeter Policy Conditions

An overview of the key policy details of Exters Income Protection Solutions proposition.

Overview of Key Policy Details

Policy Type

Income Protection
Accident & Sickness Only


Friendly Society

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 Exeter Family Friendly 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

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