Friendly Shield
A simple, affordable and quick protection
option for your clients –
now with optional sickness cover.
A simple, affordable and quick protection
option for your clients –
now with optional sickness cover.
Friendly Shield is a unique new solution to offer your clients, giving them short-term protection against unexpected absence from work. The policy covers accidental injuries as standard, and now has the option to cover sickness, too. It’s particularly valuable for those clients on tight budgets, who want a wide range of cover, or who can’t access other products like full income protection.
Clients can now choose whether to add benefits for sickness in addition to the standard cover for accidental injury.
This includes an income benefit should they fall ill and be unable to work, and a hospital cash benefit should they be admitted to hospital due to sickness and they need to stay overnight.
| Bronze | Silver | Gold | |||
Income benefit |
£750 |
£1,500 |
£2,250 |
||
Hospital cash (£50 per night) |
£3,000 |
£9,000 |
£18,000 |
If your client chooses to add sickness cover, any spouse or child on their policy will be able to claim the hospital cash benefit for sickness which occurs once the policy has been in place for 9 months.
Simpler than other protection products – just 3 premium levels and a simple set of valuable benefits.
Affordable protection – from just 33p a day.
Quick to open – with no medical questions, applying takes minutes and is approved quickly.
Quick to benefit from - with instant access to a virtual GP for the whole family and an income benefit which kicks in after only 14 days.
Your client can claim more than one benefit at a time. For example, a leg fracture might mean an emergency hospital visit, qualify for fracture benefit and result in a claim because they cannot work for more than 14 days.
Friendly Shield offers essential cover to protect your client and their family should the unexpected happen.
Friendly Shield is designed to fill a gap in the market and give you more options. It’s a cost-effective alternative to traditional income protection products. So when a client says no to other products, it’s not the end of the conversation.
Friendly Shield is particularly suitable for clients like these:
People wanting to protect themselves (and perhaps their families) against the financial impact of unexpected accidents and sickness.
People taking out mortgages, life insurance, critical illness cover and personal loans.
Renters.
Those on tight budgets – if something goes wrong, they have a problem.
Self-employed people who can’t afford to stop working.
Those who have just bought Term Assurance but can’t also afford full Income Protection.
People who can get a mortgage but may be stretching their monthly budget to the limit.
People who don’t want to feel exhausted after going through a long application process.
Friendly Shield is designed to be easy to take out, making it a quick sell for you. Here’s why you can complete an application in just minutes.
For clients aged 18-60. Your client can choose from 3 levels of cover – bronze £10 per month, silver £17 per month and gold £24 per month.
Hospital cash: a cash benefit of £50 per night for any covered accidents (and sickness if selected) for up to 360 days per policy year.
Fracture cover: a lump sum benefit for fractures of bones up to £3,000 per policy year.
Income Benefit: short term income protection up to £2,250 per month for up to 3 months for accidents (and sickness if selected).
Accidental death benefit: a lump sum payable on accidental death up to £85,000.
Natural death benefit: a lump sum payable on any cause of death of £2,500 after a 2-year qualifying period.
Friendly GP: 24/7 access to a virtual GP for the whole family from the start of the policy, plus additional health and wellbeing services including physiotherapy, counselling, legal information and money and debt help and more.
Rehabilitation benefit: a payment of up to £1,000 providing access to private facilities covering physical therapies, i.e. acupuncture, physiotherapy, osteopathy and chiropractic treatment, follow-up scans and tests and consultations.
NEW Sickness Cover add-on: additional income benefit for the policyholder and hospital cash benefit for any covered family member should their claim be due to sickness
| Bronze | Silver | Gold | |||
| Premium | £10 | £17 | £24 | ||
| Income benefit | £750 | £1,500 | £2,250 | ||
| Fracture cover | £1,000 | £2,000 | £3,000 | ||
| Hospital cash (£50 per night) - maximum overnight stays in any policy year) | £3,000 |
£9,000 |
£18,000 |
||
| Accidental death | £45,000 | £85,000 | £85,000 | ||
| Natural death | £2,500 | ||||
| Rehabilitation benefit | Up to £1,000 in any policy year for all levels | ||||
| Friendly GP for the whole family | Included as part of core cover from policy opening Access to a Private GP any time day or night |
||||
Contact our specialists on 0333 014 6244 and we can help you with any questions you have.
Applying is quick and easy.
Choose this option if you:
Get access to our quote calculators, online application forms and useful collateral.
0333 014 6244
Monday to Friday / 8am – 6pm
Your client won’t be covered for unemployment
To be covered, accidents have to result in an impact injury
Every 5 years we will review your client’s premium and could change the cost of their cover
Sickness Cover add-on: Any conditions your client has been treated for in the past 18 months won’t be covered in the income benefit. The hospital benefit starts after holding the policy for 9 months.
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We can explain all the important details and options available.
Monday to Friday / 8am - 6pm
National Friendly Financial Solutions