Defaqto 5 Star Rating

Why Choose Us?

With a claim payment rate of over 97%, and a dedicated Member Services team, we look after more than just your income

When you’re looking to protect something as precious as your regular monthly income, it makes sense to choose a company with a solid and reliable track record for helping families look after their finances.

We’re one of the oldest financial mutual societies in the world, and have been protecting family finances since our foundation in 1826.

Here are just a few reasons to choose Shepherds Friendly to protect your income:

An outstanding claims paid record

97.6% of all new Income Protection claims paid in 2015.

A supportive network icon

A supportive network of services to help you get back to work sooner

We pride ourselves on being able to help our members when they need us. Our income protection plan offers access to a valuable network of support services when you are unable to work due to sickness or injury. We can put you in touch with specialists such as psychologists, councillors and physiotherapists who can help with your recovery.

Mutual icon

We’re a mutual, meaning we work in your interests

At Shepherds Friendly we’re owned and run by our members, and everything we do is with the interests of our members at heart. We don’t have external shareholders to pay dividends to, and this means we can focus more of what we make on offering you products and services of the highest standards.

Excellent customer services icon

Excellent customer service

We look to provide our members with clear and simple value for money financial solutions to meet the needs of you and your family. You will enjoy excellent personal customer service from our dedicated Member Services team. This is why 91% of our members would recommend us to a friend.

How to buy Income Protection: You can open a plan online quickly and securely by clicking the button below:

Alternatively, if you would like assistance in applying or would like more information regarding the plan, you can speak to a member of our Member Services team by calling 0800 195 2170


  • If you stop paying your premiums under this plan your benefit will cease and the plan will be cancelled.
  • Failure to review your plan may result in you being unable to claim the full amount.
  • If you cancel the plan you will not receive any money back.
  • Benefits received from this plan may affect your entitlement to any other benefit.
  • For the self employed it is 70% of the evidenced net profit stated in your accounts which will be used to calculate the benefit we can pay in the event of a claim.

*Male aged 32 with a waiting period of 26 weeks, £258 of cover, premium of £5

All references to taxation are to UK taxation and are based on Shepherds Friendly Society's understanding of current legislation and H M Revenue and Customs practice which may change in the future. For our With Profits plans investment growth is by means of bonuses, the amount of which cannot be guaranteed throughout the term of the contract. Please ensure that you read the full terms and conditions of this plan which are available from your financial adviser or by contacting us directly.