Income Protection Plus from PG Mutual allows you to enjoy life, happy in the knowledge that if the unthinkable happens, and you find yourself unable to work through illness or injury, your income protection plan could look after the things you care about most, like your family and home, allowing you to focus on recovery.

What does an Income Protection Plus offer?

Insure up to 70% of your income, or £1,200 per week, whichever is lower.
Tailor your policy to suit your individual needs.
Cover until you sufficiently recover or reach age 65, whichever comes first.
Profit Share Account – we return any annual profits to our members.
No penalties for claiming or limit to the number of claims you can make.

Other member benefits currently include:

- Free 24/7 app-based GP service, putting healthcare in the palm of your hand with instant access to a GP.
- Free health assessment with a health screening specialist, for qualifying members, after six months of membership.
- Exclusive discount on Will Writing services with one of the top Will Writing businesses in the UK.

You will receive 20% off their first 2 years’ cover. * Just use the discount code provided, when getting a Quick Quote or completing your application.

- How do I apply for Income Protection Plus cover?
Once you have chosen your cover options via our Quick Quote, you can apply by using our quick and easy online application form. Simply complete the application form and then submit it. We will contact you to take your application forward.

- What’s the benefit of having Income Protection through a Mutual?
As a not-for-profit Mutual Society, we don’t have external shareholders. We are owned by our members, for our members.

- What is the Profit Share Account?
Without external stakeholders, our profits go back to our members annually through their own Profit Share Account. Our aim is to provide each member with a lump sum payment at the maturity of their policy.

- What does ‘Deferment Period’ mean?
The Deferment Period means the period you must wait from the start of any incapacity before you can start claiming Income Benefit payments from PG Mutual.
You can select from the following Deferment Periods (depending on your occupation):
Nil (also known as Day One Cover), 7 Days, 14 Days, 1 Month, 3 Months, 6 Months or 12 Months.

- Could I have Income Protection Plus if I'm Self-Employed?
Yes. Arguably, Self-Employed individuals could benefit from a policy even more than the Employed as they don't receive employer sick pay.

*T&C’s apply. Visit www.pgmutual.co.uk/terms-and-conditions.