Once you have chosen your cover options via our online calculator, you can apply by using our quick and easy online application form. Simply complete the application form and then submit. We will contact you to take your application forward.

The most cover that you can apply for is £1200 a week, or 70% of your gross earnings - whichever is the lowest.

Yes, you can include dividends as part of your gross earnings when calculating your weekly benefit entitlement. However, if you continue to receive dividend income during a period of incapacity, your benefit payments will be reduced. Once you stop receiving dividend income, the reduction to your benefit will be reviewed.

The maximum cover you can apply for is 60% of your gross income, and therefore if you receive any payment from your employer - other than Statutory Sick Pay - we will take this into account when determining what we can pay during a claim. The cover we provide can be tailored to suit your own circumstance and a range of options are provided to allow members to select cover that takes into account how much sick pay is received from an employer and for how long. If you are unsure when you would need cover to start from, simply call a member of our team to discuss your options.

Once we have received your application, our trusted partner MorganAsh will contact you to arrange a telephone interview to run through your medical history at a time convenient to you. As soon as we have a copy of your tele-interview our underwriters will review your application in full. We will then inform you in writing of our decision. If you'’'d like to know more about our medical interviews and the kind of questions that we may ask, please see our Guide to tele-interviews.

We do not normally require applicants to undergo medical examinations when applying for cover. We would only ask you to undergo a medical examination by your own GP if we cannot make a decision based on your medical interview, which we can normally do. We may however, ask to see your medical records. We will inform you in writing should this be the case.

You pay via Direct Debit on a monthly basis. Your Direct Debit payments will be taken on the first working day of each month. We do not charge any interest on Direct Debit payments.

Your subscriptions may change from year to year as your age increases.

You can apply to amend your cover at any time if your circumstances change, subject to approval by our underwriters, by logging into your Members Area.

Simply inform us of any changes to your occupation - we will then submit these changes for approval by our underwriters, and inform you of any changes to your plan.

We pay a claim until you can return to your career, subject to the definition of occupation on your policy certificate. Please refer to the Summary Document for full details.

If you are thinking of ending your policy, you can contact a member of our team who can talk through the options for amending or terminating your cover. Alternatively, we offer members the option to 'commute' their membership and continue their investment element. For further details on commuted membership, please contact us.

Your income protection insurance expires on your 65th birthday. You can then either cancel your membership, or alternatively 'commute' your membership and continue your investment element, as explained above.

PG Mutual is a not-for-profit membership organisation which has specialised in providing income protection insurance since 1928. As a friendly society they don't have outside shareholders, and therefore return any profit to their Members.