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Friends Life – Life Insurance

Individual Protection




Policy Terms PDF
Key facts PDF

Company Type

Public Limited Company

Company Overview

Friends Life was created following the merger of UK operations, Friends Provident and the life assurance businesses acquired from Bupa and AXA UK. They began trading in March 2011 with over 5 million customers worldwide

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Life Insurance Overview

Friends Life offer a flexible range of term cover options including level term, decreasing, renewable, mortgage and a family income benefit.

In addition to the standard life cover available, they also provide you with access to Best Doctors, allowing you the opportunity to get advice from the experts.

Furthermore, the life cover plan provided by Friends Life provides you with access to Bupa’s Healthline, 24 hours a day, 7 days a week. A comprehensive life cover plan that provides you with the flexibility to tailor the plan to your specific circumstances.



Friends Life paid out 99% of Life Insurance claims in 2014.


Life cover with Friends Life automatically includes access to Best Doctors and Bupa HealthLine 24/7.


Critical Illness cover is available as an additional extra covering over 35 serious illnesses with further partial and accelerated payments for certain conditions.


A fracture cover option is available, offering cover for fractures as specified in Friends Life terms and conditions.


Friends Life Policy Conditions

An overview of the key policy details of Friends Life Insurance proposition.

   Overview of Key Policy Details

Policy Type

Life Insurance

Policy Options

Level Term Insurance, Decreasing Term Insurance, Mortgage Protection Term, Renewable Term and Family Income Benefit

Policy Coverage

Single or joint life cover is available on a first death basis with a replacement option for the second life. Life of another is also offered under this plan


Full Medical Underwriting

Premium Type

Guaranteed and Reviewable

Terminal Illness Cover


Optional Critical Illness Cover

Yes. Friends Life also offer a Life Cover with Critical Illness plan

Critical Illnesses Covered

51 conditions are covered

Children’s Critical Illness Cover

Yes. Up to age 18, or up to age 21 if not in full time employment including intensive care benefit



Waiver of Premium


Maximum Cover

£10,000,000 for Life Cover, £3,000,000 for Life Cover with Critical Illness

Minimum Cover

No Minimum

Max. Policy Term

The level, mortgage and decreasing term cover options have a maximum policy term of 40 years. The renewable term option is 10 years

Min. Policy Term

3 years

Min. Entry Age

18 years of age

Max. Entry Age

74 years of age

Guaranteed Insurability


Policy Exclusions

Exclusions apply for pre-existing conditions under the critical illness option

Application Process

We can arrange for a paper application, however we would recommend that you complete your application with one of our independent insurance experts over the telephone on 0208 432 7333.

This is to ensure that you have not missed anything and will not risk any failed claims due to non-disclosure in the future

Claims Telephone Number

Claims can be made via post or via telephone on 0845 600 3122

Other Friends Life Policies

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

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Drewberry reviews Friends Life – Life Insurance…

In addition to paying out a lump sum, Life cover with Friends Life can also offer an annual family income benefit during the cover term. This can help to replace lost future income on the event of your death or diagnosis of a terminal illness.

Terminal illness is also included in the life cover plan, which will provide you with a payment if you are diagnosed with a terminal illness with a life expectancy of no more than 12 months.

Friends Life also offer life cover with critical illness, which can help protect your family from financial hardship if they fall ill or protect your dependents should you pass away.

Under their critical illness option, Friends Life include a comprehensive list of 51 conditions and operations with a wide a variety of additional services – including access to free health information and support through the Bupa HealthLine plus access to Best Doctors.



Friends Life Insurance – Questions and Answers

A series of commonly asked questions with regards to the policy coverage of the Friends Life term assurance policies.

Q. I have a mortgage, which cover term option would work best for me with this Friends Life policy?

A. Friends Life offer a little extra help for anyone with a mortage. In addition to their decreasing term cover option, they also offer a mortgage protection term option. This works in a similar way to the decreasing term but protects you with a guarantee that it will cover the mortgage on the event of your death or diagnosis of a terminal illness

Q. We are considering a joint life insurance cover, what happens after the first death payout with Friends Life?

A. The lump sum payout will be provided after the first death. In most cases this will then lead to expiry of the policy.

However, Friends Life do offer a replacement option for the second life on the policy under the life cover and a reinstatement option for critical illness. If the cover is a joint cover and one person has already made a claim or has died, the other person covered can take out a new cover. In this case the maximum cover would match the previous policy. The replacement option is only available to anyone under 50 ears old. The previous coverage term also must still have more than five years remaining.

In regards to critical illness cover, the reinstatement option provides limited cover to the remaining person on the policy. The reinstated critical illness cover will only include 15 conditions.

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