Shepherds Friendly review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Shepherds Friendly suits older UK adults who want plain life and income protection cover arranged by the insurer itself. Premiums start at £10 a month on monthly terms, and the seniors focus keeps the range small enough to understand at a glance.
Key facts
- Best for
- Low monthly entry premiums for older UK adults.
- Premium from
- £10↗
- Insurance types
- Life, Income-protection↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Cover limit
- Sum assured GBP 5,025 (example: 65-year-old non-smoker paying GBP 23 per month)↗
- Claims channels
- Online form, Phone, Email↗
- Age range
- 50-80↗
- Legal entity
- The Shepherds Friendly Society Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 1826↗
- Support channels
- Phone, Email, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- shepherdsfriendly.co.uk
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Premiums from £10 a month, a low entry point for later-life cover.
- Monthly payments available on monthly terms, which is easy on a fixed income.
- Regulated in the UK by the Prudential Regulation Authority, reference 109997.
- Support runs on phone, email and help centre, with claims handled through online form, phone and email.
Cons
- Eligibility is limited to the 50-80 range, so younger applicants fall outside it.
- The product range is life and income protection only, with no savings or investment policy.
- Support is limited to phone, email and help centre.
Who it suits
- Older UK adults inside the 50-80 age range the life policy is written for.
- Seniors who want premiums paid monthly, since monthly is the model on offer.
- People who would rather deal with an insurer than a broker or platform, given insurer and GB.
Who should look elsewhere
- Applicants outside the 50-80 age range, or anyone chasing the lowest entry premium, which bunq lists as €0.
- Readers who prefer a savings platform, since bunq Spain starts at €0 and Linxea starts at €25.
Safety of your money
Shepherds Friendly is an insurer rather than a broker, so the risk sits with the company that carries the policy. In the UK the business is regulated by the Prudential Regulation Authority, with reference 109997 on record. The legal entity behind the name is The Shepherds Friendly Society Limited, and policyholders deal with the provider itself.
How Shepherds Friendly compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7Premium from €25 is higher than £10, giving readers a bigger starting premium to weigh.
9.3 vs 9.0
9.3 vs 8.8Premium from €0 is the lowest entry price among the options and worth a look on cost alone.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
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9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
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9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
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
How much does Shepherds Friendly cost?+
Premiums start at £10 on the monthly model, and monthly payments are available. Life and income protection cover sit with the same insurer, so a quote for either begins at that entry point. The published example is a non-smoker, so smoking status affects what you pay.
Can I pay monthly instead of in one go?+
Yes. Monthly payments are available and monthly is the model on offer, so the premium is paid each month rather than lumped together. That suits readers who set their budget month by month and like a regular payment that fits a pension income.
Who can take out this cover?+
Shepherds Friendly writes for seniors, and the stated age range is 50-80. People inside that band can ask for a quote, and the published example price is for a non-smoker, which shows health and habits weigh in on the premium.
Is Shepherds Friendly regulated?+
Yes. The company trades as The Shepherds Friendly Society Limited, founded in 1826, and is regulated in the UK by the Prudential Regulation Authority under reference 109997. It is an insurer, so the risk sits with the provider rather than a broker or a comparison site.
What kinds of insurance does it sell?+
The range is life and income protection cover. Life insurance and income protection come from the same insurer, which suits anyone who wants both handled by a single provider rather than holding separate policies with different companies.
How do I get help or start a claim?+
Support runs through phone, email and help centre, and claims can be started by online form, phone and email. That mix covers phone, email and an online form for everyday questions, with a help centre available for anything you would rather look up yourself.
How does the entry premium compare?+
Premiums start at £10, below the median life insurance entry of €6.99 and the upper quartile of €26.16 across the listings. On price alone that is a low starting point, though a median says little about what any one person pays.
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.