Claims that tell a powerful story: We’re redefining inclusive protection

Discover how National Friendly supports lower-income workers, delivers fair and personal claims decisions, and pays out millions each year to members who rely on us.

Download The 2025 Claims Report

The reality – protection for the underserved

Serving those most at financial risk

  • 54% of Friendly Shield claimants earn under the UK’s average salary (£30,660)

  • Claims are skewed towards customers earning £20k–£30k, showing National Friendly is supporting those who would struggle most without income

  • Majority of claims come from Occupation Class 4, representing labour-intensive, higher-risk roles

These are the people who can’t work from home, can’t “take the hit”, and can’t afford gaps in income, and we’re proud to be the insurer that stands with them.

Our Claims performance at a glance

Buying a home, or remortgaging, can be a time consuming and emotive process.
 Don’t just support your client with their mortgage needs, ensure they have financial protection in place too. 

Why advisers and members trust us

Same dedicated Claims Handler throughout the claim providing seamless support

Claims decisions reached within 3 working days once information is received

Rehabilitation benefits actively offered to support getting back to work quicker

Fast fracture payments paid quickly

Meeting industry claims standards – we are a 2025 Claims Charter Signatory

Award-winning protection provider (COVER Excellence Awards)

Real people, real impact

“Without your support, I don’t know how I would have managed…you’ve been brilliant.”

- Mr H (IP claimant)

“National Friendly took the stress out of the whole situation. I’m extremely grateful.”

- Mr Wilkinson (AOIP claimant)

Download The Full Claims Report

Understand how we help members when it matters most