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Income protection Holloway Plans

These are particularly suitable for the self employed, low paid and those who do not want to fall back onto state aid or their savings.


  • Income payment protection policy

  • Offered only by a small number of Friendly Societies

  • Pays out a monthly income to those unable to work due to sickness or injury.

  • Offer a short or no deferred period; often called ' day one' basis

  • Premiums only vary by age, not other factors such as sex, smoking, or occupation.

  • Can contain an investment element paid at retirement.

  • Can select size of contribution

  • Can select level or escalating cover

  • Cover lasts for duration of membership; irrespective of claims

  • Pay between 50 and 75% of income

  • Payments may halve after 6 or 12 months

  • Cover and payments cease at retirement age.



Types of income protection plan