Income Protection
A Defaqto 5 Star Rated protection product that suits a range of clients, offering:
Flexibility
Plan options available:
- Short-term: one or two years
- Full-term (until retirement)
- Guaranteed Insurability (can increase cover when specified life events occur)
- Career breaks between three and 24 months
Transparency & affordability
- No loading or rating of premiums, regardless of the health status, occupation, or smoking status of the applicant
- Up to 70% of pre-tax income covered for the employed and self-employed
- All medical exclusions are reviewable following 12 months without symptoms or treatment
- Affordable, age-costed premiums to make cover accessible for younger clients
- Plans start from just £5 a month
Application options to suit you and your client:
A quick and easy route with a moratorium on pre-existing conditions - can be completed in minutes
- Full Health and Lifestyle Application
Requires disclosure of all relevant medical history, reviewed by our underwriting team
Real, usable free benefits designed with clients in mind:
- Nuffield Health Enhanced Benefits:
- 24/7 Virtual GP Service
- 20% Nuffield Health gym membership discount
- Rehabilitation support to help members return to work
- A complimentary £250 New Child Payment into a Shepherds Friendly Junior ISA
- £6,000 bereavement payment – if the Income Protection plan member dies, their family will receive £6,000
We also offer you:
A supportive, experienced team of underwriters offering guidance every step of the way
- Moratorium-based underwriting with our Simplified Application
Dedicated points of contact for you if needed, and quick decisions for your clients
Important information:
• All plans are subject to acceptance.
• Payments must be kept up to date to access enhanced benefits.
• Terms and conditions apply to the JISA £250 New Child Payment and £6,000 Bereavement Payment.
Over 50s Life Insurance
A 5 Star Defaqto Rated, award-winning insurance product with a range of benefits:
- Voted 'Best Over 50s Life Insurance Provider' by YourMoney.com in 2024 & 2025
- Guaranteed acceptance for ages 50-80 - with no medical questions or exams
- Optional £250 Co-op Funeral Benefit to help towards funeral costs
- Free cover after 30 years of payments, or when the member turns 90 - whichever comes first
- Premiums that never increase and a fixed cash lump sum once a rate is locked in
- Premiums starting from just £10 a month
- Insurance they can rely on with 100% of claims paid
- Choice of premiums between £10-£50, with the option to take out multiple plans to increase coverage
- Client’s loved ones can access the National Bereavement Service for support when the policyholder dies