PG Mutual: Income Protection Insurance Specialists

Sickness or injury can affect any of us, at any age and at any time. It can take us out of work short-term, long-term or permanently, potentially leaving us without an income or a means to get by financially.

An income can be a lot to go without. Many say they would rely on their work sick pay scheme – but this may be time limited. Others say they would rely on the savings they have set aside – but incapacity could see your hard-earned savings depleted in no time. So, what would happen next?

Income protection Plus could provide you with the ongoing income you need, up to 70% of your pre taxable salary, when unable to work due to an accident or illness. Your plan can keep you going financially over periods spent out of work whether short-term, or long-term: up to the age of 65 or until you are ready to return to the job you love whichever comes first meaning you can focus on your recovery rather than worry about your finances.

Find out more about how Income Protection can help you.

PG Mutual specialise in supporting professionals whether fulltime, part time, locum or self-employed. Our Income Protection is comprehensive and flexible to suit your needs. We're also a not-for-profit society, so you'll also enjoy a share of any profits we make through our Profit Share Scheme. 

An online quote take less than a minute or schedule a call at a time convenient for you.

As a member of the Royal Institution of Chartered Surveyors, you will also enjoy a 20% discount on your first two years’ premiums*.  Just use discount code RICS.

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• Comprehensive cover of up to 70% of your pre-tax income.
• A flexible policy that you can tailor to start paying out when you need it to: from the first day of your illness or injury to day 7, 14, or after 1, 3, 6 or 12 months.
  
• Long term cover option that can pay you up to the age 65, or when you’re able to return to work whichever comes sooner.
• Access to wellbeing counselling services and a virtual GP 24/7 service for you and your family. 
• Vocational rehabilitation support if we feel it could help you get back to work sooner.
• PG Mutual are also a not-for-profit friendly society that share any profits they make with their members through their Profit Share Account.   

• If you are not incapacitated by sickness or injury, you will not be able to claim.
  
• If you do not experience a loss of income during a period incapacity, you will not be paid any benefit.
  
• A final cash payment from the profit share feature of Income Protection Plus is not guaranteed.
  
• If you cancel your policy within 2 years, you will not receive any return from the profit share feature.
  
• You can find more information about Income Protection Plus from our Key Information Document and our Product Guide.

*T&C’s apply. View them here. 

PG Mutual is the trading name of Pharmaceutical & General Provident Society Ltd. Registered office: 11 Parkway, Porters Wood, St Albans, Hertfordshire AL3 6PA. Incorporated in the United Kingdom under the Friendly Societies Act 1992, Registered Number 462F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 110023.