Friendly Shield
A simple, affordable and quick protection
option for your clients –
with optional sickness cover.
A simple, affordable and quick protection
option for your clients –
with optional sickness cover.
Friendly Shield is a unique solution to offer your clients, giving them short-term protection against unexpected absence from work. The policy covers accidental injuries as standard, and has a popular upgrade to include sickness cover, too. It’s particularly valuable for those clients on tight budgets, who want a wide range of cover, or who can’t access other products like full income protection.
Friendly Shield won Highly Commended in the Best New Product/Enhancement category at the Protection Review Awards 2024!
This award celebrates our commitment to innovation and enhancing protection cover for your clients.
Best New Product/Enhancement Highly Commended
In response to customer research about access to dental services, we’ve optimised our Friendly Shield product to now include Friendly Dentist+ as standard!
Take your client’s dental care to the next level, now included in Friendly Shield policies from 15 July 2025.
Unlimited around the clock access to a dental chat helpline: connect with qualified dentists for trusted advice and guidance. By uploading photos and videos, seek a second opinion and personalised diagnosis and prescription (at an additional cost) within 24 hours.
Expert-led videos on dental health: Tips and best practices to keep their smile healthy, from brushing techniques to lifestyle tips for oral care.
Smart educational articles: Easy-to-read articles written by dental experts, designed to give your client practical advice on maintaining their oral health.
Emergency online dental appointments: fast virtual support when urgent issues arise.
Help finding in-person emergency treatment: our dentists assist with local clinic sourcing*.
Symptom checker tool: your clients can check issues and get guided next steps.
Video call examination: a video examination using any smartphone camera to detect dental issues and problems.
10% discount on cosmetic dental treatments: such as teeth whitening, straightening and at-home oral care kits.
Simpler than other protection products – just 3 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 - with instant access to a virtual GP for the whole family and an income benefit which kicks in after only 14 days.
Your client can claim more than one benefit at a time. For example, a leg fracture might mean an emergency hospital visit, qualifying 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 clients and their families should the unexpected happen.
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 to other products, it’s not the end of the conversation.
Friendly Shield is particularly suitable for clients like these:
People wanting to protect themselves (and perhaps their families) against the financial impact of unexpected accidents and sickness.
People taking out mortgages, life insurance, critical illness cover and personal loans.
Renters.
Those on tight budgets – if something goes wrong, they have a problem.
Self-employed people who can’t afford to stop working.
Those who have just bought Term Assurance 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 who don’t want to feel exhausted after going through a long application process
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.
For clients aged 18-60. Your client can choose from 3 levels of cover.
Income Benefit: short term income protection up to £2,250 per month for up to 3 months for accidents (and sickness if selected).
Fracture cover: a lump sum benefit for fractures of bones up to £3,000 per policy year.
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.
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.
Sickness Cover add-on: additional income benefit for your client should their claim be due to sickness.
Friendly GP+: 24/7 access to a virtual GP for the whole family from the start of the policy, plus additional health and wellbeing services including physiotherapy, counselling, legal information and money and debt help and more.
Friendly Dentist+: our dental service that provides a dental chat helpline, emergency appointments, online check-up service and prescriptions.
| Bronze | Silver | Gold | |||
| Income benefit | £750 | £1,500 | £2,250 | ||
| Fracture cover | £1,000 | £2,000 | £3,000 | ||
| 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 |
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Friendly Dentist+ |
Dental care at your fingertips |
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*Policy Summary and Conditions are for policies starting from 15 July 2025*
Contact our specialists on 0333 014 6244 and we can help you with any questions you have.
Applying is quick and easy.
Choose this option if you:
Get access to our quote calculators, online application forms and useful collateral.
0333 014 6244
Monday to Friday / 8am – 6pm
Your client won’t be covered for unemployment or for claims lasting more than 3 months
To be covered, accidents have to result in an impact injury
Every 3 years we will review your client’s premium and could change the cost of their cover. Sickness Cover add-on: Any conditions your client has been treated for in the past 18 months won’t be covered in the income benefit.
*Our dental team will make reasonable efforts to help your client find and arrange an appointment with a local clinic for in-person care. However, we cannot guarantee appointment availability, timing, or acceptance, as these depend on 3rd party clinic capacity and discretion.
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Monday to Friday / 8am - 6pm
National Friendly Financial Solutions