British Friendly

At British Friendly we’re dedicated to providing affordable, reliable and flexible Income Protection cover and we’ve been doing just that since 1902.

As a mutual provider, our members are at the heart of everything we do, which drives our commitment to paying claims – 96% paid over the last 14 years – and adding value to our member’s policies through our discretionary Mutual Benefits and BF Care programmes.

Because of our mutually inclusive cover, we welcome higher risk occupations and self employed clients – the people who we believe need Income Protection the most.

Why British Friendly

  • Cover for up to 70% of your clients’ annual taxable income with our Protect product.
  • A maximum retirement age of 70 with our Protect product.
  • 1, 2, 5 year or until retirement payment periods across our different products.
  • Own occupation cover.
  • We don’t limit the number of claims that can be made on a policy.
  • We provide additional discretionary benefits to our members (both new and existing) at no additional cost.
  • We are a mutual with no shareholders so we exist solely for the benefit of our members.
  • Guaranteed age-costed premiums.

Learn about our USPs at a glance here.

Our Products

Short Term Protect

Short Term Protect is an affordable option for your clients who need cover for shorter claim periods or are on a limited budget.

Learn more here.

Long Term Protect

Long Term Protect provides a regular replacement income for your clients if they are unable to work because of illness, injury or accident for any claim period until they return to work or reach their chosen retirement age.

Learn more here.

Breathing Space

Breathing Space is affordable short term cover for your clients who may struggle to prove their level of income in the event of a claim - such as self-employed, casual or part time workers or people with irregular income.

Learn more here.

Our discretionary added value services

These discretionary programmes give your clients extra value and benefits for their policy with us, all for no extra cost!

Mutual Benefits

Mutual Benefits is our discretionary loyalty programme, giving your clients to no-cost access to:

  • Savings on every-day spending including Tesco and Sainsbury’s through SVM.
  • Access to private medical services with Square Health.
  • Special offers on Car and Van leasing through the Tilsun Group.
  • And much more!

Learn more here.

BF Care

Our discretionary BF Care programme is available at no extra cost to all our insured members, giving your clients extra financial support to help them through life-altering events. The programme includes:

  • Death Benefit
  • Bereavement Benefit
  • Terminal Illness Benefit
  • Care Assistance Benefit
  • Recovery Support Benefit

Learn more here.

How we support you

We’re always here to help advisers like you, which why we give you access to one of our National Account Managers as your main point of contact for any questions or queries you may have.

We believe in building strong partnerships with the intermediaries who recommend us, and we do that by offering tailored support including face to face training, webinars and sales materials, many of which provide you with unstructured CPD.

Plus, our Adviser Toolkit has tools, tips and support materials to help you sell Income Protection and protect more of your clients!

Check it out here.

Contact Us

We look forward to helping you secure Income Protection for your clients, helping more people feel good to be covered.

Partnership Support

Telephone: 01234 348 007 option 1

Telephone: 01234 348 007 option 3

Telephone: 01234 348 007 option 3


Adviser Toolkit