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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 For more support materials including client facing content, visit our Adviser Toolkit.