In a nutshell

A straightforward income protection plan that pays you an income to cover your out goings should you suffer an accident, are injured or become ill and are unable to work up until the Plan end date.


people who want the security of income protection that pays claims throughout the plan if accident, injury or illness stops them being able to work.

Jo, Underwriting
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Plan basics

An essential purchase

Our premiums start at £10 a month.

No surprise premiums

Your premiums will increase with age but we'll tell you by how much before your Plan starts to help you manage your costs.

'Own Occupation' cover

We pay out if you can’t carry out your normal job.

Employed, Self-Employed or Company Director

We cover up to 60% of your gross income up to £100,000 - and payments are tax free under current rules.

Covers illness, accident and injury

Our Plans cover you whether you get ill or have an accident or injury - wherever it happens.

Unlimited claims

Unlimited claims can be made during the duration of the Plan.

Three things to be mindful of

This Plan has no cash in value
If you stop paying your premiums your cover will cease.
Benefits may affect State Benefits
You should discuss with your adviser how any state benefit may affect the cover you need.
What's not covered
This Plan does not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.

Flexible options to suit your needs

'Deferred Period'

You can choose how long you have to wait before we pay an income. You can choose Day1, or 4, 8, 13, 26 or 52 weeks to match the benefits to the sick pay scheme provided by your employer.

Level or escalating cover

You can choose to have a level benefit or for it to keep pace with inflation.

Room to move

We know that circumstances change – so you can increase or decrease your cover.

Premium holidays

You can stop paying your premiums for up to 6 months if you are made redundant, go travelling or are on maternity or paternity leave.

Hazardous pursuits

You can include or exclude these – and we’ll review them if your hobbies change so you’re not paying for something you no longer do.

Choice of Plan term

You can choose any age between 50 to 70 for the Plan to end.

With great support

Member Assistance Programme

We don’t just hand over cash, we offer a helping hand to help you get back to work from practical advice to rehabilitation. Read more.

Rehabilitation benefit

If you claim and could return to your pre-incapacity occupation in a part time or reduced role, you may receive additional benefit for up to 12 months to support your transition back to fulltime occupation.

Proportionate benefit

If you claim and wish to train for or start new employment at a lower salary, we may provide a partial benefit for up to 12 months to reflect your reduced income. 

Things to consider

Who is this Plan for?

You qualify for this product if:

  • You are between 18 and 59 years of age.
  • You select a term of at least 5 years your Plan end date.
  • For the last 12 months or more you have been in employment or have a proven trading history of self-employment, and you are working more than 16 hours per week.
  • For the last 12 months you have been a UK or EU citizen who has been a permanent resident in the UK and registered with a Doctor.
  • You have no immediate intention to change your job or move abroad.
  • You have a UK bank account.
  • You are an income taxpayer in the UK.

Things to be aware of

  • Our plans do not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.
  • Our plans do not cover you for pre-existing medical conditions. However, new conditions arising are covered for the duration of the plan.

For further details, please refer to the Key Features Document.

How to buy

To make sure you get the plan that's absolutely right for your needs, we always sell through approved advisers.

Find an adviser right for you:

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Want more detail?

Downloads for Purely Income Protection Plan

Key Features Document


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To contact Holloway Friendly:

Member Support:

Call: 01452 526 238
Freephone: 0800 716 654


Call: 01452 782 754

Adviser Support:

Call: 01452 526 238


Call: 01452 782 760