The guaranteed way for your clients to leave money for their loved ones when they die
We offer guaranteed cover to non-smokers aged 50 to 80 or smokers aged 50 to 75.
If your client is looking for a straightforward policy where they make monthly payments in return for a payout when they die, this could be the right option for them. The money can go towards their funeral costs or be spent however their loved ones wish.
Benefit Builder allows your clients to start with a lower premium and increase their final payout affordably over time. Their payments and cover will rise by 10% each year for the first 10 years, with them both doubling by year 11. After that, their monthly payment and life cover remain fixed until they pass away.
For example:
Prefer fixed monthly premiums and life cover? Simply choose our fixed cover policy. Use our quote tool to explore options and get a personalised quote.
One of the lowest qualifying periods in the market
Even for those with existing medical conditions
By answering just two medical questions
Our virtual GP service, Friendly GP+, is a free added benefit to your Over 50s Life Cover 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.
We offer guaranteed cover to non-smokers aged 50 to 80 or smokers aged 50 to 75.
They can choose to answer our two medical questions or not.
If they don’t answer them, they’ll be offered a two-year qualifying period as standard.
If they do choose to answer them, they could be offered an increased payout and only a six-month qualifying period.
Our standard qualifying period is two years. But if your clients answer the two medical questions we ask, this could change to just six months.
They’ll have to make the payments for their policy for the rest of their life.
Every policy comes 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 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, please give us a call on 0333 014 6244 and we’ll be happy to help.
8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.
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National Friendly Financial Solutions
