Income protection tailored to you, with clear pricing, no surprises, and cover designed around your needs.
Income protection insurance costs vary, depending on your age, job, and level of cover.
At Wiltshire Friendly, we help you find the right balance between affordability and protection, so you only pay for the cover you truly need.
We paid 99.25% of all claims in 2024; proof that affordable cover can also be reliable.
The cost of income protection depends on several key factors. Understanding them helps you make confident, informed choices.
Your Age
Premiums are generally lower if you apply younger.
Your Job
Office-based or lower-risk roles cost less than manual or hazardous work.
Health & Lifestyle
Smoking, medical conditions, or higher BMI can increase cost.
Cover Amount
The more of your income you protect, the higher the premium.
Deferred (Waiting) Period
Longer waiting periods, before payments start, reduce the cost.
There are several ways you can help reduce the cost of your income protection insurance without compromising on cover:
No. With Wiltshire Friendly, what you see is what you pay. We’re transparent about every part of your policy.
Think about it this way: If your income stopped tomorrow, could you still pay your bills?
For many people, income protection offers peace of mind for a reasonable amount per week. It can be the difference between financial stability and financial stress.
Established in 1887 Trusted, mutual, member-owned society.
99.25% of claims paid (2024) Nearly all claims made are paid
Specialists in income protection It’s the only insurance we do.
Personal service Direct contact, no call-centre run-around.
Flexible cover options Tailored for individuals, self-employed, or groups.
Get in touch with our friendly team to explore income protection insurance products that meet your unique requirements.
The cost varies depending on your age, occupation, health, income, waiting period, and benefit term. Premiums will be higher for older applicants or higher levels of cover. Wiltshire Friendly offers quotes tailored to your circumstances.
Key factors include age, job risk, health and lifestyle, amount of cover, deferred (waiting) period, and benefit term. Each of these can impact your monthly premium.
You decide. It provides financial security if you can’t work due to illness or injury, helping cover essential bills and protect your lifestyle. Even a modest premium can safeguard months or years of lost income!
Wiltshire Friendly premiums reflect your choices and policy features, all costs are pointed out to you when you take out the plan. Always check the policy wording before purchasing, and speak to a financial adviser to get their advice.
Insure only what you need, maintain a healthy lifestyle and avoid overlapping cover with existing policies.
Our individual plans allow you to protect up to 65% of your income.
Yes. Jobs with higher physical or occupational risk typically attract higher premiums, while office-based or lower-risk roles usually cost less.
The deferred (waiting) period is the time before payments start if you can’t work. Longer waiting periods reduce your premium, while shorter periods increase it.
Wiltshire Friendly’s premiums increase with age, which is pointed out to you when you take out the plan. You will get reminders as the premiums increase as you get older.
You can speak to one of the Wiltshire Friendly team to get help finding a financial adviser. We only provide products, you need a financial adviser to help you tailor the plan to your needs.