• Income protection for professionals unable to work through illness or injury
• Up to 70% of your gross earnings can be covered
• Price guarantee: if you find a cheaper like-for-like policy, PG Mutual will match the price for your first two years and give you £100 of high street vouchers
• No penalties for claiming and no limit to the number of claims you can make
• Cover lasts until you recover are reach age 65

Plus, as we are a not-for-profit organisation, we share any profits we make with you through a profit share account with a view to providing you with a lump sum when your policy matures.

Additional features

• Enhanced Loyalty Bonus: PG Mutual aim to top-up your profit share account to £10,000 and provide your next of kin with 6 months income benefit in the event of your death 
• Free current access to a GP24 app enabling you to quickly consult by phone, video or message with a qualified, NHS practising GP
• Shortened underwriting on Standard cover

It couldn’t be easier or quicker to get an online quote and the protection starts on the day you join. Save 20% on your first two years’ premiums as a member*.

Member Wellbeing Counselling Service

PG Mutual Members now have access to a Confidential Member Wellbeing Counselling service from Validium*. This is included in your membership so there are no additional fees. This additional service will assist members with personal or work-related problems likely to affect their wellbeing. In addition to the “in the moment” support when a single call with a counsellor could help you deal with a challenging situation at home or at work, members will have up to six structured Telephone or Face to Face Counselling sessions with fully trained specialists who can assess and treat a range of mental health conditions as well as offering emotional and behavioural support.

Members will also have access to support for a range of more practical concerns. Legal information and guidance is available on a wide range of issues such as elder and dependent care, preparing your Will or planning to get Power of Attorney as well as information on debt or money related concerns. The confidential telephone helpline is available 24/7, 365 days a year and is available to members and their immediate dependents (spouse/partner or adult children 16-23 living in the same house).

Members can access the Member Wellbeing Counselling service via PG Mutual’s Member Area.

*Confidential Counselling is provided by Validium, part of HealthHero.

View Privacy Policy and Terms & Conditions

The BABTAC Income Protection Insurance Price Promise

If you can find the same cover for less within 14 days, PG Mutual will try their best to match the price. Terms and conditions apply: a written quotation must be supplied by way of proof. This quotation must be on a like-for-like basis. Like-for-like means in all material respects including these fundamental factors – cover limits, cover basis, cover period and applicant details. It should be presented either before purchase or within 14 days of purchase. If you find what appears to be a better deal, contact PG Mutual (for PG Mutual's privacy statement click here).

Terms and Conditions

* For full Ts&Cs, visit pgmutual.co.uk/Terms-and-Conditions

^Applies to existing members as well.

Offer subject to PG Mutual’s terms and conditions. Applies to new PG Mutual members only and excludes uplifts. Cannot be used in conjunction with any other offer. This benefit is aimed at UK residents only.

Read the full terms and conditions and Privacy Policy here.

Company details

Free to Work Consultancy is an introducer appointed representative of Pharmaceutical and General Provident Society Ltd who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, Firm Reference Number 110023. 

Company details. This page is run by Free To Work Consultancy Limited whose registered office and business address is 71 Prince Charles Road, St Peters, Broadstairs. Kent, CT19 3HH, United Kingdom. Our company registration number is 4703137. If you need to contact us then you can use this e-mail address keith@fwcltd.co.uk. Free to Work Consultancy is an introducer appointed representative of Pharmaceutical and General Provident Society Ltd who are authorised and regulated by the Financial Conduct Authority and you can check this out on the Financial Services Register under reference 110023 at https://register.fca.org.uk/. Free to Work Consultancy Ltd gets paid a flat monthly fee from Pharmaceutical and General Provident Society Ltd for licensing and managing several web pages that display PG Mutual promotions.