Shepherds Friendly
Shepherds Friendly


Shepherds Friendly

Working closely with intermediaries has given Shepherds Friendly an understanding of how to help you grow your business.

With dedicated nationwide support, rewarding remuneration options and tailored services to suit every intermediary, their Defaqto 5 Star Rated protection products and services put your clients’ needs first.





Income Protection

A Defaqto 5 Star Rated protection product that suits a wide range of clients:

  • Short Term options for one year and two years available;

  • Full Term (until retirement) option available;

  • No loading or rating of premiums, regardless of the health status, occupation, or smoking status of the applicant;

  • Up to 70% of pre-Incapacity income covered for the employed and self-employed;
  • All medical exclusions are reviewable following 12 months symptom and treatment free;
  • Flexibility for your clients with the Guaranteed Insurability Option to increase cover when certain life events take place, and Career Breaks available between three and 24 months;
  • Simplified Application or Full Health and Lifestyle Application options available;
  • Simplified Application route includes a moratorium on pre-existing conditions and can be completed in as little as 5 minutes;
  • Full Health and Lifestyle route requires that you disclose all relevant medical history for the client and this will then be reviewed by a member of our underwriting team before offering terms.

Benefits created with clients in mind:

  • Nuffield Health Benefits, including 24/7 Virtual GP Service, emotional wellbeing support platform, and 20% Anytime gym membership at Nuffield Health and Wellbeing centres;

  • Additional support to help members return to work, including access to counselling, mental health advice and physiotherapy providers;

  • A £250 New Child Payment into a Shepherds Friendly Junior ISA;
  • Bereavement Payment – if the Income Protection plan member dies, their family will receive £6,000 over a period of six months.

Hassle-free underwriting:

  • A supportive and qualified team of Underwriters offering expert guidance;

  • Moratorium-based underwriting with our Simplified Application;

  • The Underwriting team provides dedicated points of contact for you and quick decisions for your clients.

Over 50s Life Insurance

A 5 Star Defaqto Rated insurance product with a range of benefits:

  • Guaranteed acceptance for those aged between 50 and 80, with no medical questions asked;

  • Fixed cash lump sum paid to the client’s family, which will only change if the client chooses to adjust their monthly premium;

  • The client chooses a monthly premium that works for them and, if needed, can take out multiple plans to increase the total level of cover.

Support for your client’s family:

  • Up to £250 towards the cost of the funeral if the client chooses the Funeral Benefit Option, which nominates Cooperative Funeralcare as their funeral provider;

  • The client’s family has access to the National Bereavement Service and receives counselling, guidance and support.