Income Protection Plus Plan

If you found yourself unable to work due to injury or ill health, could you afford to keep up with your financial commitments? With a little forward planning, you could protect your income from the unexpected with an Income Protection Plus plan.

Income Protection Plus

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. PLUS, as an added bonus, the insurer returns its profit to its members meaning the plan builds up an investment element for your future, whether you claim on the plan or not!

We have chosen to work with PG Mutual to offer Income Protection Plus. Please note any reference to ‘We’, ‘Us’ and ‘Our’ is to PG Mutual, the Insurer for Income Protection Plus.

Why Income Protection Plus?

Between 2013 and 2016, 97% of all claims have been paid out totalling over £3.85 million

Protect today and save for tomorrow

As well as providing you with Income Protection Plus to protect your income at an affordable cost, when you join, a Profit Share account is created for you that is topped up annually from any profits the Insurer make. The longer you keep the policy, the bigger your potential maturity payment – and there’s no penalty applied to your policy or Profit Share pot for making claims. Furthermore, the scheme includes an Enhanced Loyalty Bonus that aims to provide a minimum capital sum of £10,000 and 6-months income benefit to your family in the event of your death.

Additionally, the Insurer provides free current access to a GP 24/7 app that allows you to have a consultation with a UK based GP at the touch of a button – anytime, anywhere.

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: