Why National Friendly? What makes us different?

National Friendly was established in 1868 to help members meet their health, welfare and protection needs. We maintain a reputation for excellent service and innovation and have been by our members’ side for over 150 years.

We pride ourselves on our unique and flexible underwriting approach, personable customer service, and efficient claims process. 

In Q2 2024, 97% of our claims were processed within three working days. 

 

Our Products

 

NEW: Friendly Shield

Friendly Shield provides short-term essential protection against unexpected accidents.

It is designed to provide a number of valuable protection benefits including an income benefit, fracture cover, hospitalisation benefit and both natural and accidental death benefit, plus a rehabilitation benefit to help your clients get back to work sooner following an accident. 

Friendly Shield is simpler than other protection products on the market. It’s quick to apply for and quick to benefit from.

Key features:

• Hospital cash: a cash benefit of £50 per night for any covered accidents for up to 360 days.
• Fracture cover: a lump sum benefit for fractures of bones up to £3,000.
• Income benefit: short term accident only income protection up to £2,250 per month for up to 3 months.
• Accidental death benefit: a lump sum payable on accidental death of 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.
• Access to Friendly GP+: Our virtual GP service and mental health support hub gives your client 24/7 access to private GPs, physiotherapy, counselling, legal advice, and wellbeing resources. 
• Rehabilitation benefit: a payment of up to £1,000 a year providing access to private facilities covering physical therapies i.e. acupuncture, physiotherapy, osteopathy and chiropractic treatment, follow-up scans and tests and consultations.
• Optional cover for spouse and children. 
• Optional Sickness cover: includes an income benefit for up to 3 months and hospital cash benefit for overnight stays should your client fall ill.  

Accident Only Income Protection 

Every adviser has clients who can’t access traditional IP due to budget or medical restraints, so our Accident Only Income Protection policy is a great alternative.

It aims to pay your clients a regular benefit of up to 70% of their income if they can’t work because they’ve had an accident and suffer a loss of earnings as a result.

This policy, without medical underwriting, allows a large, underserved sector of the population to find cover. So help your clients get peace of mind because accidents happen.

Key features:

• Option to pay extra and enhance the standard cover for Hazardous Pursuits and include Accidental Death benefit.
• Fracture cover – for a level monthly premium of £3.90, your client will receive lump sum cover from £1k – to a yearly maximum of £3k, dependent on the severity of the fracture.
• Your client has the option to provide proof of earnings within 6 months of the plan going live, which will mean they can guarantee up to £3k per month, regardless of their earnings at the time of the claim. 
• Fair assessment based on BMI: we cover up to 40.9.
• Heavy Occupations: Cat 4 occupations (including builders) are covered.
• Friendly GP+: Our virtual GP service and mental health support hub gives your client and their family 24/7 access to private GPs, physiotherapy, counselling, legal advice, and wellbeing resources.
• Non-Impact Injury cover: Covers severe, non-contact injuries leading to grade 3 tears or joint dislocations that prevent your client from working.
   

 

Income Protection

This is a traditional, short-term underwritten option for clients who want both sickness and accident cover for claims lasting 1, 2 or 5 years.

It uses flexible underwriting which is reviewed on a case-by-case basis.

Our Income Protection policy can cover your clients for up to 70% of their income if they can't work because they’re ill or have been injured.

Some key features are:

• Favourable terms and straightforward processing for clients with Type 2 Diabetes.
• Option to pay extra and enhance the standard cover for Hazardous Pursuits and include Accidental Death benefit.
• Benefit Guarantee: Your client has the option to provide proof of earnings within 6 months of the plan going live, which will mean they can guarantee up £3k per month, regardless of their earnings at the time of their claim.
• Rehabilitation benefit: Your client is eligible for up to £1500 pa paid towards therapies and treatment which will help them go back to work as soon as possible.
• Friendly GP+: Our virtual GP service and mental health support hub gives your client and their family 24/7 access to private GPs, physiotherapy, counselling, legal advice, and wellbeing resources

Over 50s Guaranteed Life Assurance

This is a ‘whole of life’ policy that pays out a cash lump sum when you die. This policy offers guaranteed acceptance without the need for a medical.

The only plan in the market to offer a six-month deferment period and a discount in premium if your client can answer just two medical questions favourably.

Or they can choose to answer no medical questions and have a two-year deferment period and standard rates.

There’s also the choice to put the policy into trust to protect against inheritance tax, or to nominate up to £5,000 to go to named beneficiaries to speed up payment of death claims.

Access to Friendly GP+: Our virtual GP service and mental health support hub gives your client 24/7 access to private GPs, physiotherapy, counselling, legal advice, and wellbeing resources.

For more information about our Over 50s Guaranteed Life Assurance, click here.
 

My PMI

My PMI is a private medical insurance product with four levels which is designed to fit around every client’s needs and budget.

• A solution for older clients: New clients accepted up to age 85 on all underwriting types.
• We don’t penalise for smokers, BMI, Hypertension (must be medically treated) and cholesterol (must be medically treated).
• 5 Year Guarantee: This means that we won’t look at a customer’s claims history for 5 years, no matter how many claims they make.
• Common sense underwriting: We don’t load for CPME business and only go back two years for medical history on CPME. We accept conditions that tend to be declined with temporary exclusions. Clients’ historic exclusions can be reviewed after being covered for just 2 years.
• Fair pricing: New clients’ premiums aren’t rated based on their claims history or underwriting type. Our premiums are currently the same, whether on Moratorium, CPME or FMU. We don't load new members for medical conditions.
• Option for group leavers: Clients with MHD underwriting on CPME terms and pricing are accepted.

For more information about our My PMI product, click here.