Shepherds Friendly review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Shepherds Friendly suits people in later life who want a straightforward monthly plan from an insurer rather than a broker, with life and income protection in one place. Its entry premium of £10 sits above the €8.37 typical across the site, so the price reads fair rather than cheap.
Key facts
- Best for
- Later life cover and income protection paid monthly by a UK insurer.
- Premium from
- £10 (Source, checked September 26, 2026)
- Insurance types
- Life, Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Cover limit
- Sum assured GBP 5,025 (example: 65-year-old non-smoker paying GBP 23 per month) (Source, checked September 26, 2026)
- Claims channels
- Online form, Phone, Email (Source, checked September 26, 2026)
- Age range
- 50-80 (Source, checked September 26, 2026)
- Legal entity
- The Shepherds Friendly Society Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 1826 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- shepherdsfriendly.co.uk
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Life and income protection from one insurer, trading since 1826 as The Shepherds Friendly Society Limited.
- Monthly payments on the monthly model, with claims raised through online form, phone and email.
- Regulated by the Prudential Regulation Authority in the UK, licence 109997.
- Seniors make up 68.2% of the site audience, and this brand is built for that group.
Cons
- The £10 entry premium sits above the €8.37 median across the site.
- Cover is aimed at the 50-80 age range, so anyone outside that band finds no price here.
- Everyday support runs on phone, email and help centre only.
Who it suits
- Adults in the 50-80 age range who want cover from the insurer itself rather than a broker.
- Households after life and income protection under one roof, paid on the monthly model.
- People who would rather raise a claim by phone or email, both listed under online form, phone and email.
Who should look elsewhere
- Linxea, whose €25 starting premium belongs to a savings-style life assurance policy rather than fixed monthly protection.
- Oney Préstamos ES, where €1,000 marks a starting figure on borrowing rather than cover.
- Good Sam Insurance Agency, whose auto, home and renters spread runs well past the life and income protection on offer here.
How Shepherds Friendly compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.9A savings-style life assurance option starting at €25, a different proposition from fixed monthly protection.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.3- 9.3 vs 9.3
9.3 vs 9.3Max Life Insurance
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2- 9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6- 9.3 vs 8.4
- 9.3 vs 8.2
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Where Shepherds Friendly is available
- Available
- United Kingdom
- Licence in United Kingdom
- Prudential Regulation Authority (109997), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Shepherds Friendly actually cover?+
It sells life and income protection from one provider, so a household can take both without shopping twice. The policyholder deals with the insurer named as The Shepherds Friendly Society Limited rather than a broker, and the company has traded since 1826.
What will it cost each month?+
Premiums start at £10 a month and are collected on the monthly model, so the outlay is spread rather than paid up front. The cost score is 3.9. A worked example pairs a sum assured with a monthly premium for a non smoker.
Who is it aimed at?+
It is aimed at adults in the 50-80 age range, and seniors are the audience it is built for. An entry point of £10 a month suits a household with steady income rather than one on a very tight budget.
Is the provider regulated in the UK?+
It is authorised by the Prudential Regulation Authority in the UK, licence 109997. It is an insurer rather than a comparison site, so cover is underwritten by The Shepherds Friendly Society Limited and claims are paid by the same company.
How are claims and help handled?+
Claims can be raised through online form, phone and email, and everyday help runs on phone, email and help centre. Both a phone line and email sit there, so a claim can be opened from home and then followed up in writing.
Can the policy be paid monthly?+
Monthly payments are available, and monthly is the model used. A worked example pairs a sum assured with a monthly premium for a non smoker in the 50-80 age range, which shows how a monthly figure is built.
How does the price compare with the field?+
Against the site median starting premium of €8.37, an entry point of £10 a month is higher rather than lower. In the life insurance ranking the median is €7.95 and in income protection it is €7, so this sits in the middle.
Who else sits in this comparison?+
Good Sam Insurance Agency covers auto, home and renters, a much broader set of lines than the life and income protection here. Linxea lists €25 as its starting premium and Oney Préstamos ES €1,000, so neither stands beside this policy on cover.
Sources
- shepherdsfriendly.co.uk checked September 26, 2026
Backs: Provider type, Founded, Insurance types, Legal entity, Licences
“Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FS Registration Number 109997.”
- shepherdsfriendly.co.uk/help-and-support checked September 26, 2026
Backs: Claims channels, Headquarters, Support channels
“To get an update on your Income Protection claim, call 0161 495 6434 or email claims@shepherdsfriendly.co.uk ... To make a claim with us, simply fill out our online claim form”
- shepherdsfriendly.co.uk/over-50s-life-insurance checked September 26, 2026
Backs: Age range, Audience, Cover limit, Pricing model, Monthly payments, Premium from
“Anyone aged between 50 and 80 and living in the UK can get a quote and apply for our Over 50s Life Insurance.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Shepherds Friendly
Later life cover and income protection paid monthly by a UK insurer.