Protecting your income may not be something you have considered before. But have you thought how you would manage financially if illness or injury left you unable to work, either short or longer term? PG Mutual is a not-for-profit membership organisation specialising in providing income protection for professionals since 1928. The Income Protection Plus plan could pay you a regular monthly income if you couldn’t work due to illness or injury. RCGP members receive 15% off their premiums for each of their first 2 years’ cover.