Business Details
Your Trusted Insurance Partner in Exeter
The Exeter has been providing tailored insurance solutions since its establishment, operating as a mutual organisation owned by its members. Our focus on income protection, life insurance, and health insurance is underpinned by a commitment to reinvest profits into enhancing policyholder benefits rather than distributing dividends to shareholders. With a team of specialists managing award-winning products, we prioritise understanding individual customer needs to deliver bespoke coverage. Our claims process is designed for transparency and efficiency, ensuring payouts in grey-area cases where other insurers might decline.As a regulated entity under the Friendly Societies Act 1992, we combine regulatory compliance with a personal approach, offering direct access to management and maintaining open communication channels for all stakeholders. Our digital platforms, including member benefits apps and adviser portals, reflect our dedication to modern, accessible service delivery while maintaining traditional values of trust and accountability.
Services
Life Insurance
Income Protection
Health Insurance
Member Benefits
Multi-Benefit Plans
Highlights and features
- Mutual ownership structure prioritises member interests over shareholder dividends
- Award-winning income protection and life insurance products managed by specialists
- Transparent claims process with commitment to pay out in grey-area cases
- Regular market benchmarking ensures competitive pricing and quality coverage
- Direct management access and personal service for all policyholders
Associations and certifications
- Prudential Regulation Authority
- Financial Conduct Authority
Services
Life Insurance
Specialist life insurance solutions designed for individuals in good health and those managing serious or multiple health conditions. Our policies offer flexible coverage options with transparent terms, ensuring financial protection for dependants. As a mutual organisation, we prioritise policyholder interests through competitive pricing and comprehensive benefits.
Income Protection
First-class income protection plans tailored to diverse occupations, providing financial security during periods of illness or injury. Policies include customisable features and support tools for advisers, with a commitment to paying claims fairly even in complex cases. Regular market benchmarking ensures ongoing value for policyholders.
Health Insurance
Comprehensive health insurance options for individuals, couples and families offering quick access to private healthcare. Members benefit from additional services including remote GP appointments, annual health checks and lifestyle consultations. Our guided option provides cost-effective coverage without compromising quality of care.
Multi-Benefit Plans
Flexible multi-benefit plans allowing custom combinations of income protection and life insurance. These tailored solutions provide enhanced coverage coordination with benefits including personalised reporting tools for advisers and integrated claims management. Designed to offer greater adaptability than standard insurance packages.
Member Benefits
Exclusive member benefits including the HealthWise app with medical expert access, lifestyle consultations and health management tools. Policyholders receive additional services like unlimited remote GP appointments, annual health checks and specialist helplines, enhancing the value of their insurance coverage through comprehensive support resources.
Questions
What makes Exeter Friendly Society different from other insurers?
As a mutual organisation owned by our members, we reinvest all profits to improve policy benefits rather than paying shareholder dividends. This structure allows us to maintain competitive pricing while prioritising policyholder interests in claims decisions.
How do I make a claim with Exeter Friendly Society?
Claims can be submitted via our online portal, by phone during extended weekday hours, or by post. We require details of your condition, occupation information and financial documentation. Most claims are processed within three days of assessment.
Can I get insurance if I have pre-existing health conditions?
Yes, we specialise in providing coverage for individuals with serious or multiple health conditions. Each application is assessed on its merits, and we often approve cases where other insurers might decline coverage.
What additional benefits do policyholders receive?
Members gain access to the HealthWise app with remote GP appointments, lifestyle consultations and health management tools. We also offer annual health checks and specialist helplines as part of our comprehensive member benefits package.
How are policy prices determined?
We regularly benchmark all products against the market to ensure competitive pricing. Premiums are calculated based on individual risk factors while maintaining affordability through our mutual structure's profit reinvestment model.
Do you offer digital service options?
Yes, we provide online claims submission, digital document portals and virtual product briefings. Our adviser portal offers sales materials, underwriting guides and application forms accessible 24/7 for professional partners.
