Our key products

At National Friendly, we’re proud of our ‘doing things differently approach’, from a pragmatic approach
to underwriting through to developing unique products for the market.

Accident Only Income Protection

An alternative for clients who’ve been declined for standard Income Protection, can’t afford it or have heavy loadings based on health grounds.

  • No medical underwriting or any health-related questions
  • Option to add cover for fractures, hazardous pursuits and accidental death
  • 70% of income limit, higher than industry average
  • Benefit guarantee of £3,000pm


Four cover levels to suit different lifestyles, needs and budgets.

  • New clients accepted up to age 85
  • We won’t look at customers’ claims history for 5 years, no matter how many claims they make
  • New clients’ premiums aren’t based on their claims history or underwriting type
  • Generous choice of hospitals and providers

Income Protection

A solution for clients that uses flexible underwriting and reviewed on a case by case basis.

  • 70% of income limit, higher than industry average
  • Favourable terms and straightforward processing for clients with Type 2 Disabetes
  • Option to add cover for fractures, hazardous pursuits and accidental death
  • Allowance for therapies and consultations

Over 50s Life Cover

A solution to those who are unable to obtain underwritten life cover due to health issues or affordability.

  • We offer a 6-month qualifying period by answering two health questions
  • Guaranteed acceptance without the need for a medical
  • We pay double the payout for accidental death
  • Option for policyholders to get half their payout if they’re diagnosed with a terminal illness and the rest paid on death

Friendly Shield

Providing short-term essential protection against unexpected accidents.

  • Simple - no medical questions or underwriting
  • Affordable - 3 cover levels with premiums starting from just 33p a day
  • Quick - to apply for and benefit from
  • Option to add cover for their spouse and children
  • Includes an income benefit, fracture cover, hospital benefit, 24/7 GP access and more!

Find Out About Our Products

Enter a first name.
Enter a last name.
Enter a telephone number.
Enter an email address.
Select a product.

By clicking 'Submit' you agree to our privacy notice and allow National Friendly to contact you. National Friendly will never sell your personal data to any third parties. However, we would like to keep you up to date with products and services that we offer.

You can update your marketing preferences at any time by phone, email, in writing or online at www.nationalfriendly.co.uk/staytogether

*mandatory field

Who are we?

For sales enquiries please contact:

Oliver Jones

Commercial Director

Gifford Clay

Head of Intermediary Sales

John West

Business Development Manager

Keith Baines

Business Development Manager

Charlie Gray

National Account Manager

Claire Pearce

Business Development Manager

Joel Brown

Business Development Manager

Stuart Jones

Business Development Manager

Michael Deane

Business Development Manager

Isabelle Garnier

Senior Broker Sales Support Administrator

Anne-Marie Love

Senior Sales Support Administrator

What you need to do to work with us


If you are a directly authorised firm, please complete the application form and send it back to us along with the correct accompanying documentation. The PDF is interactive, so you can fill it out and email it back to us at RiskManagement@nationalfriendly.co.uk without the need for printing.


Once your application is approved, you will be given access to our Intermediary Portal which contains our quote calculators, application forms, policy literature and contact information for our BDMs. If you have already been given access, you can login by clicking the login link in the top right.


If you are an appointed representative, please contact the Risk Management team directly on the email above for access to our product range.

Intermediary Firm Principal Form

Our achievements

At National Friendly we take great pride in our achievements. This year, we’ve been shortlisted for the following awards:

  • COVER Customer Care Awards: Outstanding Intermediary Support Team
  • COVER Customer Care Awards: Outstanding Underwriting Team
  • COVER Customer Care Awards: Customer Service: ‘Above and Beyond’
  • COVER Customer Care Awards: Customer Care Champion – James King
  • COVER Women in Protection and Health: Rising Star (Provider) – Fiza Mahmood
  • COVER Women in Protection and Health: Women of the Year (Marketing) – Caitlin Dewar
  • COVER Women in Protection and Health: Women of the Year (Marketing) – Lucia Jarvis
  • Health and Protection Awards: Best Customer Service Delivery
  • Health and Protection Awards: Best Individual Protection Provider
  • Moneyfacts Awards: Best Private Medical Insurance Provider
  • Moneyfacts Awards: Best Healthcare Service