Why Income Protection

Pays you an income while you’re too ill or injured to work.

By ‘too ill or injured’, we mean unable to do the main tasks of your occupation, and you lose some or all of your income because of this, and you’re not doing any other paid or unpaid work.

There’s no limit to the number of times you can claim.

There’s no limit to the number of times you can claim and you can claim more than once for the same illness or injury. But there are some restrictions if you have a limited benefit period of 1,2 or 5 years.

Tailor your cover to suit your needs.

You can choose from our options how long you want to wait before your first benefit payment – this waiting time is your ‘deferred period’.

Choose from weekly or monthly payments.

Pays you weekly or monthly into your chosen personal bank account or directly to your mortgage lender.

Extra cover for broken bones.

Gives you the option to add Fracture Cover as an additional benefit at an extra cost.

It feels good knowing kids are covered too.

Receiving a critical illness diagnosis for a child is devastating, and the only thing you should worry about at such a difficult time is caring for your family. Our Children’s Critical Illness Cover is one of our optional benefits, available to add to new Protect or Breathing Space policies for an additional cost.

We offer more than Income Protection.

We offer access to extra support and rewards for you and your family every day whether you claim or not and at no extra cost through our discretionary value-added programmes. That’s why, at British Friendly, it really does feel good to be covered.