Your clients can be paid a regular benefit if they can't work due to illness or injury
Income Protection is a type of insurance which aims to help your clients keep some money coming in if they can’t work due to sickness or injury.
If they’re worried about how they would continue to pay their bills or continue to afford their lifestyle if they couldn’t work, it could be something for them to consider.
Competitive rates, faster underwriting
We’ve improved our Income Protection pricing to help you serve a wider range of clients more effectively, particularly for ages 35-45 for age-costed policies.
Take a look at our example quotes for a client aged 35, for age costed guaranteed cover and retiring at 65.
| Deferred period | Benefit level | Monthly period |
| 4 weeks | £1,500 | £18.92 |
| 4 weeks | £2,500 | £27.73 |
And it’s not just about price. You also get:
Now is the time to consider National Friendly for your clients’ IP needs.
There are 3 ways that your client can pay for an Income Protection policy.
Your client’s monthly payment will stay the same for the whole time they have the policy as long as their cover options stay the same.
Your client’s monthly payment is likely to rise each year due to their age, but won’t otherwise change as long as their cover options stay the same.
Your client’s monthly payment is likely to increase each year by their age, and will be reviewed every 5 years
As well as the 3 payment options above, your client is able to choose if they want their policy benefits to increase each year to help keep up with inflation. If they choose this option, their payment will increase each year to reflect their higher cover.
To help make things clearer, the table below shows when each payment type can be reviewed and/or changed.
| Each year by age |
At a five year review |
Each year if I have chosen Escalating benefits |
Any other reason |
|
|---|---|---|---|---|
| Age-costed reviewable |
Yes | Yes | Yes | Only if taxation changes |
| Age-costed guaranteed |
Yes | No | Yes | |
| Level guaranteed |
No | No | Yes |
Our Income Protection includes cover for some leisure activities as standard. But we also offer your client the option to pay extra to cover an enhanced list of what we call ‘hazardous pursuits’. Hobbies and pastimes categorised as hazardous pursuits include activities such as rock climbing and skydiving.
The full list of hazardous pursuits covered can be found here. Any hobbies or pastimes not on the list will not be covered.
A cash payout can’t heal them – they'll need time for that. But it can help them meet the costs associated with the impact of their injury.
The pay-out they receive will be determined by which category fracture they’ve suffered.
Your client can claim for a range of fractures classified as Minor, Moderate or Major. This cover areas from their skull down to their feet and range from £1,000 to £3,000.
More information on fracture cover can be found here.
Our virtual GP service, Friendly GP+, is a free added benefit to your Income Protection policy. It can be accessed over the phone or online 24 hours a day, 7 days a week.
This means you always have easy access to a doctor when you need their help.
Find out more about Friendly GP and Friendly GP+.
Friendly GP access is included immediately for members and their families (living at the same address) with the following policies:
If the GP decides your condition requires further investigation or treatment, they can issue an open private referral letter to enable you to access the health care you need.
You can conveniently book an appointment with a practising GP at a day and time that suits you. You can book digitally via The Friendly GP web app, or via the 24/7 telephone help
Appointments are available 24/7. You can book either a telephone or video consultation and choose whether to speak with a male or female doctor.
Should the GP feel you would benefit from prescription medication, the medication can be delivered to you at any UK address or to a nominated pharmacy of your choice. You will need to cover the costs of prescriptions.
The GP can also issue fit notes if necessary. You will need to cover the costs of the medication and delivery fees.
Aches and Pains helpline. Physiotherapists help restore movement and function in patients that have been affected by injury, illness or disability. They will do this by delivering personalised exercise plans and supporting you to be able to safely and independently complete a home exercise programme with verbal prompts and guidance.
Available from 8am – 8pm Monday Friday (excluding bank holidays)
Free Friendly GP+ access is included for members and their families (living at the same address) immediately with the following policies:
Aches and Pains helpline. Physiotherapists help restore movement and function in patients that have been affected by injury, illness or disability. They will do this by delivering personalised exercise plans and supporting you to be able to safely and independently complete a home exercise programme with verbal prompts and guidance.
Available from 8am – 8pm Monday Friday (excluding bank holidays)
Provides information and guidance on legal matters such as consumer rights, property, landlord/tenant, family and motoring law.
Support with advice for managers who are assisting their teams through any difficulties.
Guidance with money matters, including managing creditors, budgeting and debt management plans.
Provides information on a wide range of mental health and wellbeing related topics such as sleep, diet or exercise so you can start to improve your day to day life.
The Wellbeing Hub is a confidential and secure online resource available 24 hours a day to help you look after your mental health. With access to monthly newsletters, insightful articles and short videos, there are lots of ideas on ways to improve your day to day wellbeing.
Our Friendly GP service provides your client with peace of mind that they can access a GP for themselves and their family at any time, day or night.
Our members have rated the service:
for the overall experience they received as excellent, very good or good.
agreed they would recommend Friendly GP to a friend or colleague.
rated the helpline as 5 stars or 4 stars.
Data taken from reviews between January and May 2024.
Our underwriters manage every case individually and appreciate that everything isn’t always black and white.
This means:
Our team of experienced underwriters provide a sensible, empathetic approach and are always happy to talk through any questions you may have.
0333 006 3010 Monday to Friday / 9am - 5pm
To apply for a policy clients have to be:
Your clients can choose a benefit amount of between £500 and £6,000 a month . This is limited to £2,000 a month where they choose a benefit period of 5 years. The benefit they choose cannot exceed 70% of their earnings when their policy starts and we’ll check this when they claim.
This policy is designed to cover policyholders living and working in the UK. It will also cover claims which start whilst they’re in a country in the European Union, or in a limited list of other countries which can be found in the Policy Conditions.
If your client’s been working less than 16 hours a week for more than 3 months when their injury or illness starts they will not be eligible for the main benefit. But they may be entitled to our contingency benefit of £500 per month.
All policies come with free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.
We’ll give them the full details on how they can access it when they take out a policy or they can go to our Existing Members page to find out more.
If there’s anything else you want to know or you’d like to talk through your options, please give us a call on 0333 014 6244 and we’ll be happy to help.
We’re here from 8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes.
Get a quote for your client and apply online
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