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.

As COVID-19 has been declared a pandemic by the World Health Organisation, all new income protection applications received by the Insurer from 3pm on 18th March 2020 that have requested a 1 month deferral or less (Nil, 7 Day, 14 Day) will now have a Coronavirus exclusion added to any offer of membership made.

If you have already applied, or if you have applied for a deferment period of greater than 1 month, this notice will not apply to you.

About Income Protection Plus

An Income Protection Plus plan could provide you with a regular, monthly income should you find yourself unable to work due to illness or injury. You can tailor the plan to suit your needs and the payments would continue until you recover or reach age 65, whichever happens first.


Why Income Protection Plus?

In 2019, 96% of all claims to the insurer have been eligible for payment – that’s comprehensive!

No penalties
Your premiums are not loaded at all by claiming.

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

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

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

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.

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: