We’re a Mutual Society.
That’s good news for you.

As a Mutual Society, the ethos of putting our policyholders first is what makes us who we are. We’ve been working with this ethos and providing Income Protection cover for ambitious professionals since way back in 1928 - the year Alexander Fleming discovered penicillin and changed medicine forever.

Back then we were called Chemists' Sickness and Provident Society Ltd - an income protection society started by pharmacists, for pharmacists. The idea was simple. Each member added money into a pot that any member could withdraw from to support themselves and their families if they fell ill or had an accident.

Today, the idea is essentially the same.

As a PG Mutual policyholder you pay a monthly premium and if you are unable to work through injury or illness, you can claim until you are well enough to return to work or you reach age 65. Only today, you don't need to be a pharmacist to benefit from our policies.

There are a lot of things that make us different from insurers you may be used to. Allow us to explain.

Comprehensive cover – just as you expect

As a Mutual, we're here to support our members when they need us the most. Between 2018 and 2022, 93% of all new claims were eligible for payment, and total claim payments to our members during this period was in excess of £5.3m. Now that is comprehensive cover.

93% of new claims in 2018-22 were eligible.

PROUD to be a Mutual

over £5.3m paid in claims, 2018-22

Tailor your plan to suit you

Our plan is flexible so you can build a plan that suits your individual needs. Select how much cover you need monthly, your deferment period and more.

Giving back to our members

As a Mutual, we are a not-for-profit business. Without external shareholders, our profits go back to the people who matter: our members. We do this through Profit Share.

No penalties or limit to claims

If you do need to claim, we don’t apply penalties or raise your premiums. What's more, there is no limit to the number of claims you can make.

GP 24/7 app

Free current access to a 24/7 app-based GP service putting healthcare into the hands of our qualifying members with access to a GP – anytime, anywhere.

Enhanced Loyalty Bonus

We aim to provide up to £10,000 and 6 months income benefit to your family in the event of your death.

Member Benefits Scheme

Free current access to an exclusive member benefits scheme which provides discounts, gift cards, and offers on a wide range of day-to-day products and services such as cinema tickets, gym membership, travel solutions, and much more.

At PG Mutual - we’re stronger together.

Ready to join us and protect your income? Get a Quick Quote now..

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We’re a Mutual Society. That’s good news for you.