About Us

Being constituted as a Friendly Society brings a number of benefits to members.

These include the following:

The culture of the DG Mutual is strongly geared towards the interests of its members.
Members are given a democratic opportunity to contribute towards the DG Mutual’s activities and decisions.
The profits made by the DG Mutual are shared between members, as a tax-free* cash lump sum, at the end of each policy or on earlier death. In some circumstances members can access their tax-free cash gained to date, and not only retain their Income Protection but also continue to accrue profits.
* free from UK personal income tax and capital gains tax under current legislation.

The DG Mutual is based in Edgbaston, Birmingham, and has specialised solely in Income Protection Insurance since 1927. It is therefore able to demonstrate a high level of expertise.

The DG Mutual is a Friendly Society, a financial institution which is owned and governed by its members, through a committee of elected members which is supported in the day to day running by a team of employed staff.

The DG Mutual was originally formed to protect the incomes of dentists, but membership was widened to include most professional occupations many years ago. As a result, the committee members bring a diverse range of professional backgrounds and experience to the Society.