Friendly Life Cover

Simple term life cover with flexible options for family protection and mortgage needs

0333 014 6244

What is Friendly Life Cover

It's straightforward term life cover for standard protection needs. It pays a lump sum on death or terminal illness during the policy term, with options to suit both family protection and mortgage or debt liabilities.

Key features of Friendly Life Cover

  • Lump sum payable on death or terminal illness diagnosis

  • Available on a single or joint life basis (must be living at the same address)

  • Level or decreasing cover

  • Options for waiver of premium, fracture cover, and access to Friendly GP+ and Friendly Dentist services

When to use it

  • Family protection with fixed cover needs

  • Mortgage or debt protection (decreasing cover)

  • Clients requiring cost certainty over the term

Why this product

  • Predictable structure – fixed term, fixed premiums, defined benefit

  • Flexible cover – supports both level and reducing cover needs

  • Efficiency – straightforward underwriting with quick turnaround

Friendly GP+

Available as an optional service, providing online GP support for your client and their family.

Key features include:

  • 24/7 GP telephone consultations

  • Video consultations

  • Private prescriptions (client pays the cost)

  • Referrals to consultants

Friendly Dentist

Available as an optional service, providing virtual dental support to the policyholder(s) only.

Key features include:

  • Unlimited, around-the-clock access to a dental chat helpline

  • Expert-led videos on dental health

  • Easy-to-read articles written by dental experts

  • Prescription arrangements (client pays the cost)

Underwriting

Most straightforward cases are processed at application stage, with others completed within a few days (subject to evidence requirements). Our team of experienced underwriters is on hand to provide a sensible, empathetic approach and is always happy to talk through any questions.

You can find out more here

Important Information

  • The life cover pays out once only. After a claim is paid (on death or terminal illness), the policy ends.
  • For joint life policies, only one claim will be paid, based on the first life assured to die or be diagnosed with a terminal illness.
  • Terminal illness cover is not available in the final 12 months of the policy term.
  • Your client must provide the name and current contact details of their GP when applying for this policy.
  • Decreasing cover assumes an interest rate of 6%. If actual rates are higher, the payout may not fully repay a mortgage or other debt.
  • Missed premiums may reduce the amount paid or mean no claim is payable.
  • The policy has no cash-in value at any time.
  • Optional benefits and services are non-contractual and may be changed or withdrawn.
  • Waiver of premium applies only to the first life covered, who must be the policy payer.
  • Documents are sent digitally. To meet specific needs, they are available on request in print, large print, Braille, or audio.
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