Group Income Protection

Your employees are your greatest asset. Our Group Income Replacement Insurance enables you as an employer to continue to pay a proportion of your employee's earnings if they are unable to work due to illness or injury.

Group Income Replacement Insurance is designed to help employers manage long term sickness absence more effectively. It is also a valuable benefit to attract and retain employees, which is becoming increasingly important.

By providing a continued income for employees who are unable to work as a result of illness or injury, employers assist in the financial support of their employees at an emotionally and financially stressful time.

You have two options:

Employer Option

  • Can help you meet your legal and financial obligations and your own sickness scheme financial liability
  • In most circumstances Group Income Replacement premiums count as a business expense for tax purposes
  • Offering a range of employee benefits, including Group Income Replacement, can attract and improve retention in employees
  • Absences can be more effectively managed

Employee Option

As a caring Employer you might want to make the benefits of Group Income Replacement available to your employees…though, at this point in time, you might not have the funds to pay for that benefit from the business.

There is another option – the Group Personal Income Replacement Plan.

You as the Employer establish a plan for your employees, on a Group insurance pricing basis, but with the employee deciding to take out the plan themselves and directly funding it.

The Plan is straightforward to both understand and apply for. There are a limited number of options and the process is either run from your own website/ intranet or via Wiltshire Friendly’s website.

Working For Our Members

We understand that choosing an insurer you can trust to provide income replacement insurance for your employees is a big decision. Our advisers will guide you through the process.

If you want to find out more about how our unique plans can help your business, please click the guide button above or enter your details into the contact form, to request a no obligation callback.

Wiltshire Friendly Society is a mutual* which means we only work for our members. Being a mutual means that we are owned by our members and have no shareholders to consider.

We don’t look for excuses to refuse genuine claims – we know that’s when our members need us most. Instead we aim to make sure claims are assessed and benefit is paid as efficiently as possible.


*Association of Financial Mutuals - UK insurance companies are all authorised and regulated by the Prudential Regulation Authority and/or the Financial Conduct Authority. Most are either 'Mutuals' or public limited companies (PLCs). Mutual organisations are those not owned by external shareholders (like a PLC) but work for, and only answers to customers like you. To find out more go to www.financialmutuals.org/owned-by-you


Photo of Jon Cummings

Jon Cummings

Senior Operations Administrator

jon.cummings@wiltshirefriendly.com 01225 756794
Photo of Jon Cummings

Jon Cummings

Senior Operations Administrator


01225 756794

Jon’s background is in the Financial Services industry working for Financial institutions.


Working with the Society since November 2016, Jon has oversight and control of all aspects of the new business processes.


Jon is a sports enthusiast, and when family life allows him to, he enjoys playing golf, football and skiing.