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Our Income Protection contracts

My Earnings Protected

Launched in 2018, My Earnings Protected is an enhanced contract of our award winning My Earnings Insurance.  Providing Members with greater cover, flexibility and certainty.

Financial Advisers can find out more by visiting our Financial Adviser pages.

Members will find additional information in our useful documents section.

Income Assured Enhanced:

Income Assured Enhanced provides a regular income should you be unable to earn your living due to illness or injury.

  • Affordable premiums
  • No premium loading for smoking, occupation or hazardous pursuits
  • Own Occupation definition
  • Cover until age 70
  • Wide choice of deferred periods from Day One or 1, 4, 8, 13 26 or 52 Weeks
  • Optional DAY ONE ACCIDENT PROTECTION cover for contracts with cover commencing after 1, 4, 8, 13, 26 and 52 weeks.

Income Assured Enhanced - Share in the Society’s surpluses

Unlike many income protection contracts, Income Assured Enhanced gives you the option to share in the Society’s success. For a small additional premium, you can opt in to the Society’s surplus share scheme* and build up a capital sum alongside your income protection contract. You receive this at the end of the contract.

Before you apply for any financial product of this type you should contact your Financial Adviser.

(To find a Financial Adviser in your area visit

*The ability to share in the Society's surpluses is optional and affects your premium. If you are not currently a Member with protection that includes the ability to accumulate a capital sum – you can opt in. Talk to your Financial Adviser about this or contact our Members Services team. If you don’t have an Financial Adviser, try

My Extra Benefits

My Extra Benefits is available to existing and prospective Members of the Society to provide a choice of additional benefits to enhance the cover provided by the Society's income protection contracts. There is a choice of cover available which includes Fracture & Hospitalisation Benefit and Immediate Death Benefit.

Find out more