PG Mutual

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A Society Owned by You

PG Mutual has been providing income protection cover for professionals since 1928. The idea was simple - each member added money into a pot from which any member could receive support for themselves and their family if they fell ill or had an accident.

Today the idea is essentially the same. As a PG Mutual member, you pay a monthly premium and if you are unable to work through injury or illness, you can claim up to 70% (or £1200 a week – whichever is lower) of your gross income until you are well enough to return to work (or you reach age 65).

As a not-for-profit, Friendly Society, our ethos of putting our policyholders first is part of what makes us who we are. Without external shareholders, our profits go back to the people who matter – our members.

Supporting Our Members

In the last three years (2015-2017), we have paid out 98% of all new claims totalling over £1.44m.

Now that's comprehensive cover!

Income Protection Plus

Life is unpredictable. If you were suddenly unable to work due to illness or injury, how would you cope financially?

You can tailor our Income Protection Plus plan to your needs to provide an affordable monthly solution that could cover all of your outgoings, alleviating financial worries and allowing you to focus on recovery knowing the bills can be paid on time.

No matter what life throws your way, your bills and overheads can be covered. It’s a comforting though, isn’t it?

More Than Just Insurance

Each year, we return our profits to our members. This is held in each individual’s ‘Capital Account’ and builds every year in a similar manner to an investment.

What’s more, each year we apply interest to our member’s capital accounts which helps their investment grow even faster. As a member, you receive your share, whether you claim or not.



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You can apply from 18-59 years of age.