Breathing Space

Breathing Space has no financial underwriting at application stage so is particularly suitable for those with irregular income such as the self-employed and gig economy workers. It offers age-costed guaranteed premiums, a choice of limited benefit terms and a wide range of deferred period options.

Key features

• Own occupation covers your client for the job they do
• You can choose a monthly income between a minimum of £541 a month, and a maximum of £1,250 a month
• Pays directly into your client’s bank account every week or month
• Choice of claim period from 1, 2 or 5 years
• No limit to the number of claims (see Terms and Conditions)
• Choice of 1, 4, 8, 13, 26, 52 week deferred periods
• No financial underwriting at application stage means no minimum hours required, only proof that your client has had an income prior to their incapacity
• We don't factor in any other benefits your client is receiving either (ie. state benefits)
• Gives you the option to add Fracture Cover as an additional benefit at an extra cost
• Access provided to value-added services through our discretionary Mutual Benefits and BF Care programmes at no extra cost

For more information about Breathing Space, you can download our product literature below or request a copy to be sent to you by contacting our Sales Team on 01234 348 007 or e-mail sales@britishfriendly.com. For more support materials including client facing content, visit our Adviser Toolkit.