Business Details
Your Trusted Financial Partner Since 1826
Established in 1826, Shepherds Friendly has built a legacy of trust and fairness in personal finance. As a mutual society owned by our members, we prioritise their interests over shareholders, ensuring profits are reinvested or returned directly. Our expertise spans investment solutions, life insurance, and income protection, delivered with a commitment to simplicity and transparency. With over 195 years of experience, we combine traditional values with modern financial strategies to secure our members' futures. Our team of professionals manages investments responsibly, focusing on medium-to-low-risk strategies that align with long-term goals. Recognised by the Financial Conduct Authority and Prudential Regulation Authority, we maintain rigorous compliance standards.Customer-centricity defines us: 90% of members recommend us, and our 5-star Defaqto ratings reflect our industry-leading service quality. We operate with full transparency, offering clear terms and no hidden fees, while our FSCS protection guarantees 100% coverage for eligible investments. Through initiatives like the Women in Finance Charter and Investors in People Platinum accreditation, we demonstrate our commitment to ethical practices and continuous improvement. Our digital platforms provide seamless access to account management, while our member services team offers personalised support. By blending heritage with innovation, we empower individuals to achieve financial security through tailored solutions.
Services
Investment ISA
Junior ISA
Over 50s Life Insurance
Income Protection
Fixed Rate Bonds
Highlights and features
- Member-owned mutual structure returning profits directly to clients
- 195+ years of continuous financial services expertise
- FSCS protection covering 100% of eligible investments
- 90% member recommendation rate across independent review platforms
- 5-star Defaqto ratings for multiple product lines
Associations and certifications
- FSCS
- Investors in the Environment
- Investors in People Platinum
- Women in Finance Charter
- Living Wage Employer
What people say
Quick setup process
Great app functionality
Excellent customer support
Competitive rates
Transparent terms
Services
Investment ISA
Our Investment ISA offers tax-efficient growth through professionally managed portfolios. With quarterly bonuses since 2008, we aim to deliver consistent returns by investing in diversified assets including equities and bonds. Expert fund managers from Royal London Asset Management handle investments while maintaining medium-to-low risk profiles. The plan suits both novice and experienced investors seeking steady growth over five+ years, with no charges for withdrawals or transfers.
Over 50s Life Insurance
This guaranteed acceptance policy provides fixed lump sums from 10 monthly premiums. No medical questions required for ages 50-80, with optional funeral benefit discounts through Co-op Funeralcare. Premiums remain fixed until age 90 while coverage continues until death. The 5-star rated product ensures beneficiaries receive tax-free funds for funeral costs or other expenses, with guaranteed acceptance regardless of health status.
Junior ISA
Tax-free investment accounts for children under 18, with annual allowances up to 9,000. Managed funds aim to deliver quarterly bonuses through diversified portfolios while guaranteeing capital protection at maturity. Parents control accounts until age 16, with children gaining full access at 18. The plan combines responsible investing with market smoothing techniques to protect against volatility over the long term.
Income Protection
Covers up to 70% of income (max 33,600/year) during work incapacity from illness/injury. Flexible waiting periods align with employer sick pay, with benefits payable for 1-2 years. No premium increases for health conditions, and 96% claims approval rate in 2024. Includes Nuffield Health benefits like 24/7 virtual GP access and bereavement support.
Fixed Rate Bonds
Time-bound deposits offering fixed returns over set terms. The 5-year bond guarantees 3.41% AER on investments from 1,000-125,000. Capital protected through with-profits funds that smooth market fluctuations. FSCS-covered, these bonds suit risk-averse savers seeking predictable growth without exposure to market volatility, with lump sum payouts at maturity.
Questions
What investment options are available?
We offer ISAs, with-profits funds, fixed rate bonds, and life insurance products managed by Royal London Asset Management.
How are investments protected?
All eligible investments receive 100% FSCS protection, with funds managed through diversified, responsible investment strategies.
Can I access funds early?
Withdrawals are permitted from ISAs at any time, though fixed rate bonds require holding until maturity except in exceptional circumstances.
What insurance coverage includes?
Our life insurance covers funeral costs while income protection replaces up to 70% of earnings during work incapacity.
How are bonuses calculated?
Quarterly bonuses derive from investment performance, smoothed through with-profits funds to maintain consistency.
What digital services exist?
Online account management, mobile app access, and automated claims processing support our members' digital needs.
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