Income Protection

More accessible Income Protection? It’s a yes from us.

Now simpler, better and easier to sell, with premiums from just £7.50 a month

We’ve improved our Income Protection so it’s easier to buy and easier to sell.
We’ve optimised pricing to make Income Protection more affordable for class 3 or 4 occupations, streamlined the application process and introduced level premiums. Our Income Protection is now a competitive option for a wider range of your clients.

Affordable Income Protection is an opportunity for you

Convincing HGV drivers, nurses, care assistants, and others in manual professions that Income Protection is worth considering can be challenging. These individuals are often highly price-sensitive, and after going through a lengthy mortgage process, the last thing they want to do is spent time purchasing another product.

As a result, many in these groups miss out on valuable protection. But with improved pricing, an easier application process and more relevant product features, our Income Protection now offers them – and you – a real opportunity.

How we’ve improved Income Protection

Optimised pricing from £7.50 a month

Our pricing is now more affordable to help you serve a wider range of class 3 and 4 occupations particularly for clients aged 30-50, with the minimum premium reduced from £10 to £7.50.
More occupations covered

More occupations are now covered, and we’ve reviewed and optimised pricing by -reclassifying some Class 3 occupations as Class 2 – reducing premiums for these clients.
New level pricing option

We’ve introduced guaranteed level premiums for the life of the policy, giving clients peace of mind and price certainty.
Quicker and simpler applications

The application journey is now simpler and easier to use, with enhanced user experience and functionality – including saving and tracking application progress and is about 60% quicker than before.
More inclusive approach

Our cover now accepts those with higher BMIs (up to 41), provides competitive terms for those with diabetes and personality disorders, and covers clients working at heights above 40 feet.
Faster underwriting decisions

65% of applications go straight through, and manually underwritten applications receive a same-day decision. You can also speak directly to an underwriter.

Key features of Income Protection

Choice of benefit periods: 1, 2 or 5 years.
Monthly benefit from £500 to £6,000: Clients with a 1- or 2-year benefit term can choose a monthly benefit from £500 to £6,000, up to a maximum of 70% of their earnings. For a 5-year benefit term, the maximum is £2,000.
Unlimited fast virtual GP access: clients can use our Friendly GP+ service 24/7, with phone and video consultations with GPs, private prescriptions, open referrals, physiotherapy, as well as legal advice, counselling, wellbeing guidance and debt help.
Hazardous Pursuits cover: We don’t cover professional sports and pursuits, but we do now cover almost all amateur ones. We offer optional cover for an enhanced list of hazardous pursuits of between £500 and £2,000 a month, up to the amount of the client’s main benefit. If they choose a 5-year claim period, the maximum hazardous pursuits cover would be £500 per month. Find out more.
Protection against a fall in earnings: Clients can protect up to £3,000 of their main monthly benefit by submitting proof of earnings within 6 months of their policy starting.
Rehabilitation benefit: Your client can get support for their recovery and rehabilitation while we’re managing their claim. We’ll pay up to a maximum of £1,500 a year to help cover their expenses for 2 private consultations and for supportive therapies.

Join our Cover the Country campaign for the chance to  win Amazon vouchers!

We’re celebrating the impact advisers make by protecting individuals and families across the UK and giving you the chance to WIN Amazon vouchers!

Every sale you make will light up your region on our live campaign map and gives you one entry into our prize draw. The more sales, the more chances to win and the more clients you provide with affordable protection.

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3 premium options

Level guaranteed payments

Monthly payments stay the same as long as cover options stay the same.
Age-costed guaranteed

Monthly payments are likely to rise each year as your client’s age increases but won’t otherwise change as long as cover options stay the same.
Age-costed reviewable payments

Monthly payments are likely to increase each year with age and will be reviewed every  5 years.

Your client can also choose to increase benefits each year to help keep up with inflation, in which case their payments will increase accordingly.

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

Built in flexibility

A back to work benefit which pays a proportionate benefit if your client returns to work on lower earnings than before.
An accidental death benefit option if your client selects this and dies as a result of an accident within 30 days of that accident, we’ll pay a lump sum equating to 1, 2 or 5 years’ main benefit, whichever they’ve chosen.
Additional Fracture Cover options to provide an additional payout.
Contingency benefit that provides a maximum benefit of £500 a month for a policy maximum of 12 months if your client is working less than 16 hours a week and is unable to carry out their normal role.
Flexible benefits start date at any birthday between ages 50 and 70.
An option to change cover for certain benefits at a later date to match their changing needs.
Guaranteed insurability option following their claim – 30, 60, 90, 180 or 365 days.
No payments while receiving a benefit from us.

What our partners say

We are always thrilled to hear positive feedback from our valued partners.
Michael Clark, a Protection Specialist Adviser, recently shared his experience  with National Friendly’s IP Input journey and with our underwriting team.

“It’s a pleasure using National Friendly’s IP Input journey, thoroughly easy to use and simple to work through, it’s one of the quickest I have used. I cannot tell  you how nice it is to use a system that works as well as this. Calling your underwriting team was exceptional, as the wait times were short and the gentleman I spoke to was extremely polite and useful, so much so  that I’ll be trying to utilise your services as much as possible.”

Michael Clark - Protection Specialist Adviser

Friendly GP+ is a game-changing benefit

Everyone with Income Protection gains fast, free access to a virtual GP over the phone or online 24/7 with Friendly GP+ our virtual GP service. This highly popular feature means clients no longer struggle to get appointments or face long delays.

They’ll talk to UK-based GPs and receive diagnosis, advice, fit notes and referrals, as well as gaining access to a range of support including counselling and  debt advice.

Visit Friendly GP+