British Friendly is a mutual society, founded to provide sickness benefits for commercial travellers and their families. Based in Bedford, it has become one of the larger UK Friendly Societies with 14,000 members and nearly £100 million in assets.
As a mutual provider, British Friendly offers a flexible approach to policies and claims and certain terms may be subject to negotiation to make your policy more personally suited to your circumstances.
It was also the first Income Protection provider to extend its Care Assistance Benefit to cover individuals that are required to care for parents, parents-in-law, partner, spouses, and children (up to age 18).
British Friendly’s Protect is a product with a very good claims history. It is one of the few Income Protection providers which will cover higher-risk occupations, such as pilots, using the own occupation incapacity definition.
Overview of Key Policy Details
Maximum Claim Duration
Unlimited (to the policy’s retirement age)
Day 1 / 1 / 4 / 8 / 13 / 26 / 52 weeks
Waiver of Premium
The lower of 70% of your annual pre-tax income or £45,000 per year
£2,600 per year/£50 per week
Minimum Entry Age
18 years old
Maximum Entry Age
64 years old
Minimum Policy Term
Maximum Policy Term
Until your 70th birthday
You can increase your benefit without further medical evidence if there are changes in your marital status, parental status, salary, or you increase/take out a new mortgage.
British Friendly is one of three leading friendly societies providing Income Protection. With no shareholders to be answerable to, British Friendly is run entirely for the benefit of its members.
With a British Friendly Income Protection policy, you become a member of the British Friendly society and so gain access to their Mutual Benefits.
Get discounts and vouchers for high street shops and entertainment. You can also enter quarterly prize draws with prizes worth up to £1,000.
Get up to 35% off Fitbit devices and smart weighing scales and access to Health MOTs, a wellbeing app and a wellbeing hub full of information about how to live a healthier and more balanced lifestyle.
British Friendly offers extensive support services which you can spent your health support points on:
There’s also a support hub, offering links to charity helplines with useful resources to help individuals deal with life-altering events.
Use an online legal service to help you create your Will and have it finalised by a team of qualified lawyers. You can also use this benefit to purchase a Health Cash Plan, with prices starting as low as £2 a week, to get cash back on prescriptions, dental treatments, specialist consultations and more.
Other discounts include money off hotels, access to Travel Insurance for those with pre-existing conditions, and special discounts on car and van leasing.
British Friendly excludes certain hazardous occupations that have high chances of causing injury or illness.
Aside from these occupations, none other are specifically excluded from the policy. Some others may need to be considered on an individual basis however, such as occupations that require you to be at sea for long periods of time or work at great heights.
British Friendly has been successfully operating for over 100 years and has close to £100 million in assets and over 14,000 members. Without the need to pay shareholders, its focus is solely on providing security for its members.
We aim to know the policies we advise on, inside out and back to front. Below is a couple of commonly asked questions with regards to the policy coverage of the British Friendly’s Income Protection Insurance product answered.
A. Your ability to claim for the same condition with British Friendly Income Protection policy depends on the type of policy you have and how soon you try to claim again.
If you have a long-term Income Protection policy, you can claim for the same sickness or injury within 26 weeks of your last payment and have your deferred period waived.
If you have a short-term policy with British Friendly and have reached the end of your benefit payment period, you won’t be able to claim for that same condition again.
A. Providing you are in the EU/Western Europe, Australia, Canada, New Zealand or the USA, British Friendly will pay claims for a maximum of 104 weeks. This is one of the longer terms of all Income Protection providers.
If you are residing anywhere else in the world, they will only pay claims for a maximum of 26 weeks. If you were already claiming benefits before leaving the UK, that time will be included in the maximum amount of weeks you can claim while abroad.
A. British Friendly and a number of other friendly societies specialise in covering slightly higher risk jobs with an own occupation definition of incapacity. This means that even professional drivers who drive considerable mileage each year may be able to gain this incapacity definition.
As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?
We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.
If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.
Pop us a call on 02084327333 or email firstname.lastname@example.org.
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