Income Protection

A regular tax-free income if you are unable to work

Our Income Protection Plan keeps the money coming in if you are on half or no pay due to accident or sickness – and it’s specifically tailored to the Police with many features you will not find elsewhere.

Available to those age 18-50

Cover until age 60

Tax-Free benefits paid

Increase cover as your income grows

Get a quote Speak to our friendly team

Happy young couple buying insurance paying bills online

What is an Income Protection Plan?

Think about everything your income provides. Now think about what would happen if that income stopped. Our Income Protection Plan supports you if you are on half pay or no pay due to accident or sickness, and it's specifically tailored to the Police with many features you will not find elsewhere.

Salaried officers and staff within the UK Police Service

Your premiums are up to date, your illness or injury is not excluded, you meet the qualifying conditions, and one or more of the following events occur:

- You are unable to work, due to incapacity (as defined below), resulting in a loss of earnings,
- You are medically retired, except where due to a mental or nervous condition, or
- You are diagnosed whilst serving with any of the critical illnesses (see below), you survive the initial diagnosis by 28 days and you meet the other policy conditions for that illness.

Get a quote Speak to our friendly team

At a glance

Cover from £5.90 pm (non-smoker aged 20)
Critical Illness option (available up to age 60)
Cover for on and off duty
Can be used as family protection or cover for an interest only mortgage

Quick links

Jargon Buster Police Pay Guide

Made for the Police Family

Better protection

Our policies are fully protected by the Financial Services Compensation Scheme (FSCS). Designed to keep your savings safe if a provider fails, giving you peace of mind.

Built for the Police Family

A Friendly Society serving the UK Police Family for 130+ years.

Member-owned

As a mutual, all profits are returned to Members through bonuses and in support of the wider Police Family.

All serving and retired Police Officers, Staff and their families are eligible

How it works

The purpose of the Income Protection Plan is simple – to provide you with an income if you are no longer able to work. You can receive a payout in one of three different ways:

- a regular monthly benefit if you are unable to work due to incapacity or if you are medically retired on physical grounds
- a lump sum benefit if you gain alternative employment during medical retirement
- a lump sum benefit if you are diagnosed with a critical illness

Get a personalised quote

Tell us your pensionable pay, smoking status and a few health details. We will provide a personalised quote showing exactly what you will be covered for and how much it will cost.

Start with 3 months free

Once accepted, your cover begins straight away, with your first three months' premiums completely free. You can pay by salary deduction (if available for your force) or by direct debit. Premiums will increase or decrease in line with your pensionable salary, so your cover always stays in step with your earnings.

Cover in place should you need it

If you are unable to work due to illness or injury and move to half pay or no pay, you can make a claim for a regular monthly benefit. If you are medically retired on physical grounds, diagnosed with a specified critical illness, or gain alternative employment following medical retirement, you may also be eligible to receive a lump sum benefit.

Key Information

Before you get a quote for Income Protection, please read the key information below.

Application form

Your Income Protection application. Please ensure all questions are fully answered.

Download PDF

Key Features

Full product information including charges, deductions and exclusions.

Download PDF

Current Policy Wording

The full policy document including all definitions, exclusions, terms and conditions.

Download PDF

As a NARPO Member, I’m proud to say that Police Friendly & Metfriendly has delivered financial security for me and my family.

Craig Haslam, DL FGPT, Retired Chief Superintendent

Your presenters were really good and explained what can be complicated and complex matters, in a simple and easy to understand format.

Pre-retirement seminar attendee

Little bits of saving down the line can make a huge difference to your family, whatever the future brings.

Emma Richards, third generation Retired Police Officer, Police Friendly & Metfriendly Non Executive Director

I have always been pleased with the returns from my Police Friendly & Metfriendly Policies.

Mr P Payne

With the Government’s Lifetime ISA bonus and my family chipping in, I was able to buy my first home sooner than I ever dreamed.

Mr B

Great opportunity for family Members to be offered the same offers as Members.

Miss A McLeary

Contact us directly

Get free, personalised guidance on your savings and investment options.
For serving, former and retired Police Officers, Staff and their families.
A 20-30 minute session with one of our friendly team.

Call us today

08:30 to 17:00 Monday to Thursday and 08:30 to 16:30 on Friday.

01689 891454

Send a message

Get in touch using the email below or fill in the form to get a call back.

info@mpfs.org.uk

Office

MPFS, Central Court,
Knoll Rise,
Orpington
BR6 0JA

Get directions

Request a callback

Want to talk to one of our friendly team about your options? Drop your details on the form below and we will get in touch.