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If you think more people should be aware of the importance of Income Protection…the feeling’s mutual


Recover your mental wellbeing

May 21, 2020

Recover your mental wellbeing

Learn how mental health campaigner Tom Dunning became a ‘surthrivor’ here. Tom’s powerful mental health story highlights the importance of improving awareness, understanding and support.

With COVID-19 adding to everyday worries, our mental wellbeing is more at risk than ever before. British Friendly’s Income Protection insurance provides weekly benefit payments to members who become too unwell to work, due to their mental and physical health, plus access to physiotherapy and professional counselling at no extra cost.


We offer cover to Employees, Business Owners and the Self Employed

For November 2019, average regular pay, before tax and other deductions, for employees in Great Britain was estimated at £511 per week in nominal terms (source: Office of National Statistics). This compares to Statutory Sick Pay which is currently £95.85 per week. Could you manage on £95.85 a week?

If you’re self- employed you’re not eligible to claim SSP at all.

You can apply for Universal Credit but the process to claim can be complex and may not provide the level of income you need.

‘We pay up to £250 per week.’

There is another way – you can buy Income Protection insurance which pays you a regular income if you’re ever unable to work because of illness or injury. British Friendly’s Income Protection insurance can provide members with weekly benefit payments of up to £250 per week. To find out more, click here.

Click here to see how we were able to support our member Gavin’s recovery from stress, following his wife being diagnosed with terminal cancer.


About us

British Friendly is a ‘mutual society’ which means we are owned by our members. Our profits go back to our members via our discretionary BF Care and Mutual Benefits programmes.

If you become a member, in addition to your Income Protection policy, you’ll also get…


Our Mutual Benefits Programme

This discretionary programme is offered to you as a paying member, so that you may enjoy everyday value from your cover, whether you need to make a claim or not. Access to these benefits are offered at no added cost and include:
  • Physiotherapy and/or counselling sessions*
  • Virtual GP and prescription delivery service*
  • Access to the Lifeworks App promoting physical, mental and financial wellbeing
  • Savings on your shopping at Tesco or Sainsbury’s and many more retail discounts
  • Quarterly prize draw worth £1,000
* Every 12 months from the 14 Feb until the 13 Feb our members are allocated 150 points to cover the cost of a range of services. For example one physiotherapy session could be covered with just 33 points.
View all benefits available to our members here.


Our BF Care Programme

As an insured member you’re also entitled to our discretionary BF Care programme, which provides greater financial support to members and their families in times of need. It includes the following benefits:
  • Bereavement Benefit
  • Death Benefit
  • Care Assistant Benefit
  • Recovery Support Benefit
  • Terminal Illness Benefit
Learn more about BF Care here.


Protect your future wellbeing. Ask a Financial Adviser about British Friendly’s income protection and our member benefits.

You can find a Financial Adviser at  Protection Distributors Group  or Many advisers will be able to provide you with free, no-obligation advice to help you decide the best option for you.