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About Us

Where the feeling’s truly mutual

We’re a real mutual at British Friendly - and have been since 1902- with all our customers becoming equal members when they join. We provide affordable Income Protection for as many people as possible - even those who are typically hard to insure. We are driven by our commitment to paying our members claims. That’s why we’ve paid over 96% of all our claims in the last decade, which means you can recommend us to your clients with confidence.

 

Our Customer Friendly Charter

We live by the principles of our mutual status - they really do make a difference to your clients...

 

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Paying claims is good
"There’s little point having insurance if it doesn’t pay out when you need it. So paying claims is clearly in our members’ best interest. That’s why our focus is on paying as many claims as possible. And that’s why we pay so many claims - an industry best 96.7% in 2014."
Lee Schopp, Financial Director
 
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Mutually inclusive cover
"Our aim is to help as many people as we can. In fact, thanks to our inclusive approach, we’ve become experts in providing Income Protection for more risky occupations - we welcome occupation classes 3 & 4 and the self-employed."
Debbie Elms, Head of Risk & Underwriting
 
 
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We’re all in it together
"True mutuality means everyone works together for the greater good. So all occupations are priced the same - we have no classes at British Friendly. Equally, we never penalise individual members when they make a claim by putting up their premiums in isolation. We manage the risk through reviewable premiums, which gives us the flexibility we need to keep on paying as many claims as possible."
Iain Clark, Chief Executive
 
 
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The human touch is invaluable
"If there’s one thing we’ve learned in the 113 years since we were founded it’s the value of personal service. Decision makers are always available at the end of a direct dial number and we empower our people to make decisions themselves so we can provide answers quickly."
Lorraine Donald, Head of Operations & HR