Advisers

WORKING WITH US

Meeting Your Client's Needs

We value the contribution advisers bring to our business, supporting our existing partner relationships and welcoming new ones.

 

As an adviser you will be an expert in the market and have a talent for finding the best cover at the best price. Therefore, we have worked with our adviser partners to help develop both our existing and new products.

 

However, we know that selecting a provider to meet your clients’ Income Replacement Insurance needs isn’t just about price. You also need to consider the product terms and the level of service they can expect throughout the lifetime of the plan.

Our aim is to make your decision easier with a straightforward approach that we hope you and your clients will appreciate.

As a mutual organisation we run our business in a way that puts the needs of our members first. There are a number of benefits to this approach, we: 

 
  • Are flexible to assist you in meeting your clients’ needs.
  • Have dedicated new business and scheme administration contacts.
  • Aim to make sure any claim is assessed and benefit is paid as efficiently as possible.
 

For more information about our group and individual plans, please click on the relevant button below.

 

Alternatively, you can speak to our Sales Consultant, Josh Padfield, using the details at the bottom of the page.

 


Policy highlights include

 
  • From as few as 5 lives (and we may consider less dependent on scheme request)
  • A choice of deferred periods from only 4 weeks
  • Own occupation definition of incapacity in all cases
  • Option to offer alternative occupation definition at reduced cost
  • Cover up to 75% of gross earnings which can include dividends
  • 100% 'blue collar' schemes considered
  • 'Closed' schemes considered on request
  • Free Cover Limits to reduce medical underwriting requirements
  • Commission terms available on request

Sickness Income Plus

Our current Individual Income Replacement Plan, Sickness Income Plus, is designed to pay regular benefit to replace part of regular income that is lost when unable to work because of illness or injury. The plan also aims to pay a cash sum when reaching the plan retirement age - it is a ‘Holloway’ plan.

 

We understand that choosing an Income Replacement Plan for your clients can be a difficult choice due to the variety of plans available. As a mutual we put our members first. We don’t look for excuses to refuse genuine claims – we know that’s when they need us most.

 

Our approach to new business underwriting is simple, we will look at all occupation types and medical conditions. For those more complex situations, where we can help, any associated terms will be clear from the outset and, where we cannot help, we will explain why.

Photo of Josh Padfield

Josh Padfield

Sales Consultant

josh.padfield@wiltshirefriendly.com 01225 756784
Photo of Josh Padfield

Josh Padfield

Sales Consultant

josh.padfield@wiltshirefriendly.com

01225 756784


One of our newest recruits, Josh joined the Society in November 2016 from the Financial Services Industry, predominantly in pensions. Working as a Sales Consultant is a new career path for Josh and one that he is extremely excited about. He also mans the ‘sales desk’ for all sales related queries.

 

Josh is also on the road meeting current and potential members, demonstrating the importance of income protection, using his first-hand experiences within his own family to illustrate the impact of not having income protection.

 

If you have any queries in regards to our Group or Rugby Income Protection plans, please do not hesitate to contact Josh.

 

Josh is a major sports fanatic, with his favorites being; football, rugby, American football and tennis.