Adviser Hub
As the Income Protection Professionals, we’re on hand to support you with our expert knowledge and personal service. We’ve been income protection providers since 1890, and because we only offer individual protection products, we have a real interest in being good at what we do. We have a strong focus on growing the protection market, and believe that by working together, we can achieve this.
Here you’ll find everything you need to protect your clients’ everyday.
Reasons to Recommend
- We’re competitively priced for occupation, smoking and hazardous pursuits (excluding motor sports)
- Added-value benefits
- Annual statements
- Award-winning personal service
- We’ve maintained an average of 94% and above of claims paid for over 15 years
The Income Gap
The average weekly earnings in the UK are estimated at £741*. With just £123.25** a week in Statutory Sick Pay, your client could have a shortfall of £617.25 a week if they have no protection in place.
*Average weekly earnings in Great Britain: January 2026 (Office for National Statistics)
**Rates and thresholds for employers 2026 to 2027: Statutory Sick Pay (Gov.uk)
The Knowledge Gap
76% of people don’t have income protection, and a further 11% don’t even know if they have it, suggesting a massive gap in consumer understanding.*
*Profile of an IP Customer, Iress
The Perception Gap
There’s a significant gap between perceived and actual protection; while 41% of adults feel protected, only 19% actually have adequate cover.*
*Profile of an IP Customer, Iress
The Protection Gap
The FCA Market Study highlighted that 65% of the UK adult population does not have any form of protection insurance. Moreover, among the 35% who do have some form of protection, more of them have critical illness insurance (10%) than income protection (4%).*
*Understanding the protection gap in the UK (By Teresa Roux)
Tools and Documents
Everything you might need through the application journey and the life of your client’s contract.
Added-value Benefits
Additional benefits that are offered to your clients as a Member of the Society.
Our Brand
Looking for our logo and usage guide? Please email marketing@cirencester-friendly.co.uk
Frequently Asked Questions
Income protection is a type of insurance that protects a part of earnings. If your client is unable to work due to illness or injury and their earnings go down or stop, income protection will provide them with a regular benefit to help meet essential costs.
Income protection benefit will be paid for up to two years (if applicable), until retirement, or until they’re able to return to work.
Friendly societies are mutual organisations that are owned by and run for its Members. They have no shareholders and aren’t quoted on the stock exchange.
As a result, a mutual organisation can reinvest back into the business and focus on addressing the needs and preferences of its Members.
The Data Capture Form can be found here.
Please note, the form only captures the core medical information. When you submit the application online, you may be asked additional medical questions based on the client’s responses. This is because the online application tailors the questions to the information provided.
Commission is paid on the following Tuesday after the contract start date. For non-indemnity, commission is paid following the Member’s first premium payment (non-indemnity commission is paid monthly).
All application and contract documents can be found on your portal. Select the My Documents tab on the left and make sure the date range goes from when the application was first submitted to present day.
Blogs
Consumer Duty
In accordance with the requirements of the Consumer Duty, a review has been carried out on our closed book income protection products, Health & Wealth, Income Assured Plus and My Earnings Insurance.
We have not identified any aspects of the products which prevents the Society from complying with its cross-cutting obligations, in relation to those Members who hold any of these products.
We're here to help
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0800 587 5098