PG Mutual

Life is unpredictable. No one likes to think about the unexpected, but a surprising amount of people in the UK would fall upon serious financial trouble in the event of a debilitating illness or injury. 

If you want to be prepared for whatever life throws at you, income protection makes perfect sense. In return for a small proportion of your salary each month, an Income Protection Plus plan could provide you with a regular, monthly income to replace up to 70% of your salary if you were ever unable to work due to illness or injury until you return to work or reach age 65 (whichever comes first). 

Highlights of the policy include:

  • Cover up to 70% or £1,200 per week of your income (whichever is lower)
  • Tailor cover to suit your individual needs
  • No waiting period – cover starts as soon as your first contribution paid
  • No penalty for making a claim and no limit to the number of claims you make
  • Profit Share Account – any profits are shared with members
  • 97% of new claims paid over the last 3 years (2016-2018)
  • Health assessment - a free health assessment after 6 months of membership for qualifying members


  • Enhanced Loyalty Bonus* - aims to provide insured members with a minimum capital sum of £10,000 and six months income benefit to your family in the event of your death
  • GP 24/7 - Free current access to a 24/7 app-based GP service putting healthcare in the palm of your hand with instant access to a GP – anytime, anywhere
  • Member benefits scheme - Access to our wide range of discounts and cashback on leading brands such as Currys PC World, EE, M&S and Virgin Active 

Why not call PG Mutual today? You’ll be one step nearer to a secure and happy future.

The AIA work with PG Mutual to provide you with a 20% discount off your first two years’ premiums.*

For details of this special offer visit and enter discount code ‘AIA’ or call 0800 146 307.

*Applies to existing members as well. For full terms and conditions, visit

PG Mutual is the trading name of Pharmaceutical and General Provident Society Ltd. Registered office: 11 Parkway, Porters Wood, St Albans, Hertfordshire AL3 6PA. Incorporated in the United Kingdom under the Friendly Societies Act 1992, Registered Number 462F. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 110023.

There’s nothing more exciting than making plans for the future. Now is the perfect time to underpin those hopes and dreams by considering an Income Protection Plus plan. If you were ever off work, through either illness or injury, you could then rely on a regular monthly income to pay the rent or mortgage, cover the bills and allow you to enjoy the fun stuff too. Why not talk to us today, and build a little peace of mind into your future?

As an AIA member, you receive 20% off your first two years’ cover.

Plus, when you apply to join us between 1st November 2020-31st January 2021, we will donate £50 to The National Benevolent Charity* to help those most in need this winter!

Get a Quick Quote >

*T&C’s apply. Visit

Our Income Protection Plus plan provides you with the flexibility to tailor your policy to suit your individual needs. Select how much cover you need monthly, deferment period, and more. This way, you get the cover you need, without paying for the cover you don’t.

Then, if you were unable to work due to illness or injury, we could provide you with a regular income until you recover or reach age 65 (whichever comes first).

AIA members receive 20% off their first 2 years’ premiums. Just use discount code, “AIA” when getting a Quick Quote or applying.

Get a Quick Quote Today >

The possibility of being off work through illness or injury is a problem none of us can predict.  But it’s worth considering how you’d manage financially especially as Statutory Sick Pay or Employment Support Allowance is unlikely to cover all your outgoings.

An Income Protection Plus plan could help you to manage your outgoings while you focus on recovery. That’s why we work with PG Mutual to offer our members discounted Income Protection Plus.

As an AIA member, you receive 20% off your first two years’ cover*.

Access discount>

*T’s&C’s apply. Visit