Income Protection Plus Plan

If you found yourself unable to work due to accident or illness, could you afford to keep up with your financial commitments whilst you recover?


Income Protection Plus provides you with a tailored plan that pays you a regular income should you find yourself off work due to injury or illness, an income that will help you pay the bills whilst you recover.

Why Income Protection Plus?
In the last three years 97% of all claims to the insurer have been eligible for payment, with such payments to claimants exceeding £2.5m.

No waiting period
Your policy can start as soon as your first contribution is paid.

Tailored to suit you
Build your plan to suit your individual needs.

No penalties
Your subscription costs are not loaded at all by claiming.

No limit on claims
No cap on the number of claims you can make.

And the Plus..

Protect today and save for tomorrow – As well as providing you with an income protection plan that ensures you receive a regular monthly income for an affordable monthly cost, when you join us we create a Profit Share Account for you that is topped-up annually from any profits we make. The longer you stay with us, the bigger your potential maturity payment - and there's no penalty for making claims against your policy. Furthermore, whilst we protect your income, we also include an enhanced Loyalty Bonus* that aims to provide a minimum capital sum of £10,000 and six months income benefit to your family if you die.

Also, in addition, the Paycare GP 24/7 app has been designed to provide users with access to professional advice and guidance wherever you are - so you can speak to a UK based practising GP 24 hours, 7 days a week. Plus, the Paycare confidential Telephone Counselling service is available when you need a little extra support.

Further policy information is available in the following documents:

HMCA Care Limited is an Introducer Appointed Representative of PG Mutual, the trading name of Pharmaceutical & General Provident Society Limited.

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. PG Mutual is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 110023. Contact: 01727 228571 Email