PG Mutual - Carers Save 20% off your first 2 years of Income Protection Plus insurance*
Highlights
- Long-term security, on your terms. Your plan can pay until you’re 65 or until you’re ready to return to work. It’s not just income protection – it’s peace of mind.
- Cover that fits your life. You can choose how much of your income you want to protect, up to 70% of your pre-tax income. Whether you want to cover all your lifestyle outgoings, or focus on essentials like your rent or mortgage, it’s entirely up to you.
- Tailor your protection to fit your needs. Whether you work full-time, part-time or are self-employed, you can adapt your plan to your schedule and budget.
- Flexible start dates, you’re in control. Choose when your cover begins from the first day of your illness/injury or from day 7 or 14, or after 1, 3, 6 or 12 months. You decide what works for you.
- Wellbeing support for you too. Your membership currently includes free access to a 24/7 virtual GP and confidential counselling – because care starts with you. You can access both anytime via the Health Hero app or online.
- The Plus in Income Protection Plus. PG Mutual’s Income Protection Plus plan also includes a profit share feature that aims to pay you a cash lump sum at the end of your policy, whether you claim or not.
Description
Income Protection Plus provides long-term financial protection, beyond your sick pay, should illness or injury stop you from working.
When you’re unable to work through illness or injury, the last thing you need is financial stress. Income Protection Plus can help you stay financially secure, providing you with the regular income you may need, up until you are ready to return to work or reach age 65, whichever comes first.
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At PG Mutual, we have one goal: to protect the livelihoods of our members and their families. Founded by pharmacists in 1928, we’ve been supporting healthcare professionals ever since. With nearly 100 years of experience, we understand the realities of your work, your pressures, and your priorities.
Today, we support all types of healthcare and veterinary professionals - whether you work full-time, part-time, locum, portfolio-style, or run your own practice. We pride ourselves on service that’s personal, responsive, and built around your needs.
We’re also a not-for-profit mutual, wholly owned by our customers. That means we’re accountable to you - not shareholders. Every decision we make is about protecting your future, not boosting profits. -
This service is not regulated and is not performed as part of our introducer appointed representative agreement.
Important Information:
• 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.
*Terms and condition apply. See https://www.pgmutual.co.uk/terms-and-conditions/
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.
