Pure Income Protection Insurance for the Self Employed


Established 1927

We are a mutual friendly society established in 1927 to help our members and share our profits with them.

Here for you

In the last nine years over 99% of all claims paid and over 70% new claims paid within a week.


  • Up to £1,200 benefit tax free per week
  • Benefit payable from day one or deferred by 4, 13, 26 or 52 weeks
  • A tax free lump sum on retirement

Contact us

Phone: 0121 452 1066

Email: info@dgmutual.co.uk


Trusted since 1927

Established in 1927, dg mutual is an expert private insurer specialising in income protection insurance for self-employed people.  Being self-employed you may be concerned about how you would pay your bills and manage financially, should you be unable to work due to illness. dg mutual offers a range of plans which includes sick pay insurance.

dg mutual offers a transparent and simple approach. If you would like us to contact you to provide an income protection insurance quotation, please fill in the form below.

We are not a comparison site, we specialise in income protection insurance for self-employed people.

When you fill in this form your details will not be passed to a third party, our society is committed to you.

Please call us:

0121 452 1066

Frequently Asked Questions

We like to be as transparent as possible. Here we have answered the most frequently asked questions. If you have any further questions, please contact us.

Is income protection insurance right for you?

There are many instances where people can benefit from an Income Insurance Protection plan from dg mutual :-

  • Self-employed people whose income is entirely dependent on them working
  • Home owners looking to protect mortgage payments
  • Anyone with regular monthly outgoings, such as loans, credit card payments, council tax and other bills
  • Those with family responsibilities
  • Those with full-time household duties (ie: housewife/househusband), who may need to pay for help with things like childcare if they are incapacitated.
Benefits of a policy from dg mutual
  • Benefit payable from day 1 or 4, 13, 26 and 52 weeks of illness or injury
  • Retirement ages of 55 or 60
  • No Occupational Premium Loadings
  • No Smoker Premium Loadings
  • Constant or reducing benefit
    (Reducing benefit is available for Day One cover only)
  • Escalating benefit option – payable after 52 weeks of claim. Benefit will escalate by 3% and will continue to increase at that rate for every year the claim is valid
  • Tax free lump sum at end of policy
    (Free from UK personal income tax and capital gains tax under current legislation)
  • Double Bond option – benefit levels are unchanged but additional subscriptions will double the amount of bonus apportionment awarded annually.

Commuted Member

Should you choose to retire, become employed or cease your membership, there is an option to remain with dg mutual and become a Commuted Member. Although you will no longer be entitled to income protection (i.e. the sickness benefit), the investment element of your policy can remain in place. Many of our members chose to remain with the Society and either continue to contribute at a reduced rate or maintain their policy with no further contributions.

As a commuted member, you would be entitled to annual interest on the amount in your capital account and to an annual bond apportionment of £6.80 per bond along with the interest on the balance in the capital account, as at the 31st December each year. The interest rate is 4% and can be reviewed by our Board of Directors at any time.

You may remain a commuted member of the Society for as long as you wish. When you decide to terminate your policy, you would be entitled to the lump sum in your capital account plus the terminal bonus applicable at that time.




Our members are self employed or are contractors

We are experts in protecting your income







Client Testimonials

“Omega Financial Management is a dg mutual approved broker.”

I have been with the Dentist’s and General Mutual Benefit  Society for over 20 years.  Over that time I have needed their services multiple times.  Kevin Yarnold has always been available and diligent in processing any claim as quickly as possible.  
Every contact made with the Society has resulted in me receiving the upmost care and outstanding professional service.

I would have no hesitation in recommending Kevin or any member of the D&G team.


I would like to take the opportunity to state that I am a massive fan of D&G and regularly advise colleagues to consider you. Having the security you provide has always been great relief to me over the years especially as for many of those years I was a single mum with only my income to rely on. I hurt myself earlier this year and Kevin Yarold during COVID was my point of contact and I could not praise him enough for his quick response and attention.

Thank you for always being there and helping me out this year especially. 


I broke my left humerus and had to take the best part of 6 months off work. I was very relieved that I had the Day 1 cover in place and I was paid from the very first day I couldn’t go to work until I returned fully six months later. The claims process itself was easy and Deirdre from Omega and Kevin in dg were extremely helpful. I found I could be honest with them and they would take my word for my progress, no need for medical reports and examinations. I was very glad I had the cover in place as I was able to pay all of my bills while I couldn’t work. I would highly recommend it to any self-employed professional Vet.


-Veterinary Surgeon

Contact Us

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dg mutual
No. 4, Park Farm Barns, Chester Road, Stonebridge, Warwickshire, CV7 7TL

Tel: 0121 452 1066

Email: info@dgmutual.co.uk

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority