Shepherds Friendly

Shepherds Friendly may be suitable for customers looking for income protection, especially where you want cover that can support your income if illness or injury prevents you working.

Yes, Kerr & Watson can help compare Shepherds Friendly with other income protection providers and recommend whether it is suitable for your circumstances.

Income protection is designed to pay a monthly benefit if you cannot work due to illness or injury. The amount, waiting period and claim rules depend on the policy.

Shepherds Friendly may be suitable for self-employed workers who need to protect their income because they do not receive employer sick pay.

The right amount depends on your income, essential bills, mortgage or rent, savings and existing sick pay. Kerr & Watson can help calculate a realistic level of cover.

The waiting period depends on how long you could manage financially before cover starts paying. A longer waiting period can reduce premiums, but it must be affordable in real life.

Shepherds Friendly may consider applicants with medical conditions, but underwriting will depend on the details. Some conditions may be accepted, excluded or rated.

Shepherds Friendly and Holloway Friendly may suit different customers depending on occupation, health, benefits and pricing. Kerr & Watson can compare both providers for you.

The cost depends on age, occupation, health, smoking status, benefit amount, waiting period and policy term. Comparing providers helps identify the right value.

Yes, income protection should be tailored to your job, income and household commitments. Kerr & Watson can compare Shepherds Friendly with other providers and recommend suitable cover.

The right insurance provider will depend on the type of cover you need, your age, health, lifestyle, occupation, budget and the reason for taking out the policy. Some insurers may be stronger for life insurance, while others may be more suitable for income protection, critical illness cover, private medical insurance or business protection. An adviser can compare providers and help recommend cover that suits your circumstances.

No. Insurance providers can offer different policy features, definitions, exclusions, underwriting rules, claims processes and optional extras. Two policies may look similar at first, but the quality of cover can vary significantly. This is why it is important to compare more than just the monthly premium.

Not always. The cheapest policy may not provide the most suitable cover for your needs. It is important to consider what the policy covers, what it excludes, how claims are assessed, whether optional benefits are included and whether the provider’s underwriting is suitable for your circumstances.

An insurance adviser can help compare providers, explain the differences between policies and recommend cover based on your needs. This can be especially useful if you are protecting a mortgage, have a family, are self-employed, have pre-existing medical conditions, work in a higher-risk occupation or want to make sure the policy is set up correctly.

Yes. An adviser can compare a range of insurance providers and policy types, helping you understand which options may be suitable. This can include life insurance, critical illness cover, income protection, private medical insurance and business protection, depending on your needs.

Yes. Insurance providers can take different views on medical history, medication, BMI, smoking, family history and previous health conditions. One provider may offer standard terms, while another may increase the premium, exclude a condition or decline cover. Choosing the right provider can make a significant difference.

You may still be able to get insurance if you have a pre-existing medical condition, but the terms will depend on the condition, severity, treatment, recovery, time since diagnosis and the type of cover required. Some insurers may be more flexible than others, so it is worth getting advice before applying.

Some insurance applications can be accepted based on the information provided in the application, while others may require additional medical evidence. This could include a GP report, nurse screening, medical exam or further questions from the insurer. The level of underwriting depends on the provider, policy type, cover amount and your medical history.

A valid claim should be paid if it meets the policy terms and the information provided at application was accurate. Claims can be affected if the condition is not covered, an exclusion applies, premiums have not been maintained or important information was not disclosed when applying. This is why it is important to answer application questions carefully.

Yes. Many people have more than one insurance policy, especially if each policy has a different purpose. For example, you may have life insurance to protect a mortgage, income protection to replace earnings if you cannot work, and critical illness cover to provide a lump sum following a serious illness. The right combination will depend on your needs and budget.

Yes. It is sensible to review your insurance after major life changes, such as buying a home, remortgaging, having children, changing jobs, becoming self-employed, increasing your borrowing or starting a business. Your existing cover may no longer match your needs, or there may be better-suited options available.

Yes. Kerr & Watson can review your circumstances, compare suitable insurance providers and explain which options may be available. We can help with life insurance, critical illness cover, income protection, private medical insurance, business protection and cover for more complex circumstances.