Exeter family friendly

grogdog

anyone used them for Income Protection? or experience on claims or service?

dunstonh

What type of income protection are you looking at?

budget, standard or comprehensive (companies dont actually use those terms but their products offered can usually fit into those categories - some providers offer multiple versions to cater for budget or comprehensive style cover).

They are not a major player in the field so you may not find many people on here with an experience. Certainly not enough to make it a viable guide. That is not a comment on their suitability though. Just the odds that someone here happens to have used them

weighty1_2

Exeter Family Friendly used to be called Pioneer. They specialise in offering an "own occupation" definition to all occcupations, for the full term of the plan.

Like many friendly societies they have an age banded policy which means the premiums go up annually. In a lot of instances it becomes extremely expensive in the latter years, presuming you keep the plan for the full term.

In 2010 they paid out on 95% of all claims, which is pretty impressive given their historical target market.

They now have 3 plans on offer. One specifically targetted at manual based occupations, one for professional/office based clients and a "bills & things" plan which pays out for up to a maximum of 2-years per claim.

I'm an insurance broker myself and have used them on numerous occasions and the main thing I take into account is my clients health. They are EXTREMELY stringent with their underwriting and in my experience it is not unusual to have some form of adverse term applied, whether it is an exclusion or a loading.

Overall though, they are an excellent company and I'll continue to recommend them for my clients in the future (when appropriate)

Cheers for now

Weighty

kingstreet

Seconded, weighty.

I like them too. Never had a claim to handle, though.