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Income replacement insurance since 1887
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Welcome to our dedicated area for
Financial Advisers

You may already have introduced business to us, or you may be thinking about it now. Either way, all of the information you will need to explain and understand our Group Income Replacement proposition is available here.

We know that selecting a provider to meet your business clients’ Income Replacement Insurance needs isn’t just about price. You also need to consider the level of service they can expect throughout the lifetime of the plan. Our aim is to make that decision easier with a straightforward approach that we hope you and your clients will appreciate.

We believe that providing Income Replacement Insurance which offers value for money and is simple to implement is just the start. As a mutual organisation we are able to run our business in a way that puts the needs of our members and plan holders first.

There are a number of benefits to this approach: 

  • We are prepared to work in a flexible way with you in order to meet your clients’ needs.

  • Dedicated new business contacts.

  • We aim to make sure any claim is assessed and benefit is paid as efficiently as possible.

Please call 01225 752120 if you require further information.

Group Income Replacement Plans

  • Available for as few as 5 lives

  • Limited benefit payment periods from just 6 months

  • A choice of deferred periods from only 4 weeks

  • Own occupation definition of incapacity offered in all cases

  • Option to offer Own followed by Alternative definition at reduced cost

  • Cover up to 75% of gross earnings which can include dividends

  • 100% 'blue collar' schemes considered

  • 'Closed' schemes considered on request

  • Free Cover Limits help to reduce medical underwriting requirements

  • Commission of up to 20% of each premium paid

Sickness Income Plus (Holloway Plans)

We also provide Income Replacement Plans for your individual clients. Please click on the document links below for more information about our plans.

Contact Us

For other general enquiries, please contact Helen Lingard by telephone on 01225 756782 or by email or use one of the convenient links below:

Wiltshire Friendly Society Limited Holloway House Epsom Square White Horse Business Park Trowbridge Wiltshire BA14 0XG

Phone: 01225 752120   Email:

Authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and the Prudential Regulation Authority