Individuals

PROTECTING YOUR INCOME

If you are visiting this page you will already have realised the importance of considering income protection insurance!

It is possible for people to overestimate the amount of State help they will receive if they are taken ill - you can find the current state benefit levels here:

So there is some provision from the State, but it is limited.

With an Individual Income Replacement Plan from Wiltshire Friendly, you can receive a payment to replace a part of your lost income should you be unable to work because of illness or an injury.  This will make sure that you are personally protected to a level that suits you.  And you could get a little bit extra too as you will see below!

  • You select the amount of cover you want
 
  • You choose how quickly you want your claim payments to start
 
  • Insure up to 65% of your regular earnings
  • From end of year two, you start to share in any surpluses the Society makes
 
  • Cash sums can accumulate in your plan, as and when declared by the Society at year end
 
  • Your cash sum can continue to accumulate, even if you claim

It’s up to you to choose a level of cover to suit your budget. Here is an example, just to show it might be more affordable than you think.

A 30-year-old non-smoker could receive a monthly income, after an initial 1 week waiting period, of £1,000 for an initial cost of £30 per month (subject to terms and conditions). That cost rises later as your age increases, though by then you will hopefully be earning more to meet that additional cost.

So, if this makes you interested to find out more you can read about the finer details in the documents below…or just phone Gavin, to talk things through!

96.33% of all claims
paid in 2021

96.79% of all claims
paid 2019-2021
inclusive

One final thought, if you do make the choice to protect yourself, you can be re-assured that we will be there to help you when you need our financial support.

Photo of Gavin Puzas

Gavin Puzas

Sales & Business Development Consultant

gavin.puzas@wiltshirefriendly.com 01225 756787
Photo of Gavin Puzas

Gavin Puzas

Sales & Business Development Consultant

gavin.puzas@wiltshirefriendly.com

01225 756787


Gavin has worked in the insurance industry for over a decade in various servicing, sales and business development roles. He has gained a wide understanding of the insurance market. 

 

Gavin joined the Society in late 2019, working as the Society’s Sales and Business Development Consultant. This is a key role in talking to existing, and new members, about their memberships and income protection needs. Gavin is also the key contact for intermediaries looking to advise on the Society’s individual and group products. 

 

Outside of work Gavin enjoys DIY, being by the sea and hot weather. 

Photo of Jon Cummings

Jon Cummings

Senior Operations Administrator

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

Jon Cummings

Senior Operations Administrator

jon.cummings@wiltshirefriendly.com

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.