Get paid a regular benefit if you can't work due to illness or injury
Income Protection is a type of insurance which aims to help you keep some money coming in if you can’t work due to sickness or injury.
If you’re worried about how you would continue to pay your bills or continue to afford your lifestyle if you couldn’t work, it could be something for you to consider.
There are 3 ways that you can pay for an Income Protection policy.
Your monthly payment will stay the same for the whole time you have the policy as long as your cover options stay the same.
Your monthly payment is likely to rise each year due to your age, but won’t otherwise change as long as your cover options stay the same.
Your monthly payment is likely to rise each year due to your age, but won’t otherwise change as long as your cover options stay the same.
As well as the 3 payment options above, you are able to choose if you want your policy benefits to increase each year to help keep up with inflation and any increases in your earnings. If you choose this option, your payment will increase each year to reflect your higher cover.
The 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 you 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 Bouldering and Motor Sports. More information on our hazardous pursuits can be found here.
The full list of hazardous pursuits covered can be found here. Any sport or pastime not on the list will not be covered.
A cash payout can’t heal you – you'll need time for that. But it can help you meet the costs associated with the impact of your injury.
The payout you receive will be determined by which category of fracture you’ve suffered.
You can claim for a range of fractures classified as Minor, Moderate or Major. They cover areas from your skull down to your feet and range from £1,000 to £3,000.
More information on fracture cover can be found here.
Free access to Friendly GP and Friendly GP+
Our virtual GP service, Friendly GP, is a free added benefit to your policy which 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+.
Our Friendly GP service provides you with peace of mind that you can access a GP for you and your 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.
Underwriting is an important part of our application process. It's where we review your medical history and other aspects of your life to help us decide what protection we can offer you.
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 014 6244 Monday to Friday / 8am - 6pm
To apply for a policy you have to be:
You can choose benefit amount of between £500 and £6,000 a month in £10 monthly increments. This is limited to £2,000 a month where you choose a 5-year benefit period. The benefit you choose cannot exceed 70% of your earnings when your policy starts and we’ll check this when you claim.
This policy is designed to cover policyholders living and working in the UK. It will also cover claims which start whilst you’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 you’ve been working less than 16 hours a week for more than 3 months when your injury or illness starts you will not be eligible for the main benefit. But you may be entitled to our contingency benefit of £500 a month.
Your 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 you the full details when you take out a policy or you can visit our Existing Members page to find out more.
If you are looking to make a claim, please head over to our Claims page. There you will find more information on how to contact us and how we can help guide you through the process.
We set a standard payment across all accepted occupation types. Your cover will renew automatically each year unless you tell us you no longer want it. Find out more about fracture cover here.
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.
We’re here from 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.
Request a callback
Our friendly team can talk you through your options to help you to decide what level of cover is best for you.
Choose this option if you:
Monday to Friday / 8am - 6pm
A Proud Member of:
Get in Touch
We can explain all the important details and options available.
Monday to Friday / 8am - 6pm
National Friendly Financial Solutions
