Friendly Shield

Unique new affordable cover?
It’s a yes from us.

Friendly Shield is a unique new solution to offer your clients, giving them short-term protection against unexpected accidents. It’s particularly valuable for those clients on tight budgets or who can’t access other products like full income protection.

What makes Friendly Shield unique in the market?

Simpler than other protection products – just 3 premium levels and a simple set of valuable benefits.
Affordable protection – from just 33p a day.
Quick to open – with no medical questions, applying takes minutes and is approved quickly.
Quick to benefit from – 24/7 access to a virtual GP for the whole family.
Your client can claim more than one benefit at a time. For example a leg fracture might necessitate an emergency hospital visit, qualify for fracture benefit and result in a claim because they cannot work for more than 14 days.

Friendly Shield offers essential cover to protect your client and their family should the unexpected happen.

Who Friendly Shield is for

Friendly Shield is designed to fill a gap in the market and give you more options. It’s a cost-effective alternative to traditional income protection products. So when a client says no, it’s not the end of the conversation.

Friendly Shield is particularly suitable for clients like these:

People wanting to protect themselves and their families against the financial impact of unexpected accidents.

People taking out mortgages, life insurance, critical illness cover and personal loans.

Those on tight budgets – if something goes wrong, they have a problem.

Self-employed people who can’t afford to stop working.

Renters.

Those who have just bought Term Insurance but can’t also afford full Income Protection.

People who can get a mortgage but may be stretching their monthly budget to the limit.

People feeling exhausted after going through a long application process.

What makes Friendly  Shield so simple,  affordable and quick

Friendly Shield is designed to be easy to take out, making it a quick sell for you. Here’s why you can complete an application in just minutes.

Guaranteed medical acceptance – no medical  or health questions to answer.
Simplified application process.
Most occupations covered.
Most sports and hobbies covered.
Just 3 premium levels.
Premiums are not age-costed so cover is affordable  for everyone.
Fast application turnaround.

How Friendly Shield works

For clients aged 18-60. Your client can choose from 3 levels of cover – bronze £10 per month, silver £17 per month and gold £24 per month.

Hospital cash: a cash benefit of £50 per night for any covered accidents for up to 360 days per policy year.
Fracture cover: a lump sum benefit for fractures of bones up to £3,000 per policy year.
Income Benefit: short term accident only income protection up to £2,250 per month for up to 3 months.
Accidental death benefit: a lump sum payable on accidental death up to £85,000.
Natural death benefit: a lump sum payable on any cause of death of £2,500 after a 2-year qualifying period.
Friendly GP: 24/7 access to a virtual GP for the whole family.
Rehabilitation benefit: a payment of up to £1,000 providing access to private facilities covering physical therapies, i.e. acupuncture, physiotherapy, osteopathy and chiropractic treatment, follow-up scans and tests and consultations.

Choose your client’s level

	Bronze	Silver	Gold

Premium	£10	£17	£24
Income benefit	£750	£1,500	£2,250
Fracture cover	£1,000	£2,000	£3,000
Hospital cash (£50 per night) - maximum overnight stays in any policy year)	£3,000 60 nights	£9,000 180 nights	£18,000 360 nights
Accidental death	£45,000	£85,000	£85,000
Natural death	£2,500
Rehabilitation benefit	Up to £1,000 in any policy year for all levels
Friendly GP for the whole family	Included as part of core cover from policy opening Access to a Private GP any time day or night