We at Cirencester Friendly are the Income Protection (IP) Professionals, providing our Members with a regular income should they become unable to work and earn a living due to illness or injury.
We are proud of our member-owned ‘mutual’ status, which aligns the interests of the business and those who own it; our Members. Our philosophy is simple – we exist for the benefit of our members.
Cirencester Friendly was established in 1890. Primarily formed for the benefit of the agricultural workers based in Gloucestershire, today we cater for the income protection needs for all walks of life across the UK.
With over 133 years of experience we are committed to providing the highest quality income protection, but don’t just take our word for it… We have been recognised by a number of independent industry bodies including Moneyfacts, WhatMortgage, COVER and FT Adviser.
Through Cirencester Friendly’s Friendly Voice benefit, clients can access personalised menopause support from RedArc, including emotional wellbeing, workplace guidance and access to specialist advice and therapies. No matter what life throws at you, each experience can affect people differently. Whether it’s illness, injury, mental health concerns or carer arrangements, our Friendly Voice service (provided by RedArc) […]
Cirencester Friendly’s member case studies share real experiences of people facing illness, injury and difficult life events, showing how financial protection and wider support can make a meaningful difference when the unexpected happens. Explore their stories and see income protection in action. “They didn’t just process my claim, they understood what mattered most.” “It wasn’t […]
The protection industry has been talking about the protection gap for decades. It is universally acknowledged that millions in the UK don’t have the cover they need if they were to fall ill and be unable to work. Millions more aren’t even aware that protection insurance even exists. Numerous campaigns have tried to narrow this […]
In the latest AMI Protection Viewpoint report, only 39% of respondents recalled their broker asking about protection insurance, but 99% of brokers said they asked their clients about it
Life is a lottery. One minute everything could be going your way, the next something crops up that blocks your path. The problem may be small, simple to solve and something you can easily overcome to get back on track.
Over the recent weeks and months, I’ve had several conversations with Advisers where they are struggling to explain how providers approach workers with more than one job. This is not a new issue but one that’s more prevalent today.
Cirencester Friendly's 125 Foundation, which provides financial support to the society's Members, their communities and causes close to their hearts, paid out nearly £60,000 to over 100 recipients in 2025. The Foundation was set up in 2015 to mark the 125th anniversary of the society and has paid out more £300,000 since its inception. These figures were announced at Cirencester Friendly’s Annual General Meeting.
Individual income protection specialists, Cirencester Friendly have introduced a minimum benefit guarantee of a maximum of £1,500 a month on their Income Assured and My Earnings income protection products. This is now available to both new and existing members on both products and available for all new claims.
It’s common to be asked what and how a client is paid in the event of a claim. Our Claims Team chat you through what to expect, and what could potentially impact your client’s benefit.
Our support extends outside of claim. In this final video, we chat through the added-value benefits available to your client as part of their contract, and the support your client will receive whilst in claim with us.
What should your client check before making a claim? Here’s a snapshot of what information we will need to begin a claim, as well as important details your client will be asked to provide.
How do you get people to talk about subjects they’d rather avoid? We Brits are experts at ignoring things that make us feel uncomfortable. We are perfectly prepared to stick our heads in the sand and refuse to discuss things like money, ill health and death, hoping if we ignore difficult topics they might just go away.
Welcome to our bite-size claims series! In episode one, we will discuss the benefits of a Mutual for you and your client, as well as chatting through how we at Cirencester Friendly assess a claim.
Continue the series with episode two, where our Claims Team will chat you through what you should do when your client needs to claim, and how you can help your client with the process.
Individual income protection specialists, Cirencester Friendly have introduced a minimum benefit guarantee of a maximum of £1,500 a month on their Income Assured and My Earnings income protection products. This is now available to both new and existing members on both products and available for all new claims.
Claims figures for 2025 from individual income protection provider Cirencester Friendly reveal a significant rise in claims for musculoskeletal conditions, which includes back and neck pain. Claims for these conditions now make up more than four in 10 of all claims, when just two years ago they represented only a quarter. It is also telling that for every generation in the workforce from Gen Z to Boomers, musculoskeletal conditions are the number one reason for claims.
We’re committed to supporting our Members when they need us most. By publishing our claim statistics, our intentions are to help you and your clients make an informed choice when selecting income protection cover and to help ensure submitted claims are valid. Check out our 2025 highlights!
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