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  • Executive Income Protection
  • Critical Illness Cover and Disability Benefit
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Income Protection

Income Protection aims to provide your client with a regular income benefit if they suffer a long-term illness or injury, other than a deliberately self-inflicted injury, and are unable to work leading to a loss of earnings during the cover term.

FRIENDS^® Income Protection benefits:

• Achieved a Defaqto 5 Star Rating for Individual and Executive Income Protection
• Award winning product (Best Income Protection Provider - Financial Adviser Life & Pensions 2010)
• New increased ceasing age for Veterinary surgeons from age 60 to 70 to enable you to provide a product that better suits your client's needs
• Tele-interviews make it quicker and easier to get clients that need a GPR at application stage on risk
• Dedicated claims assessors assist your clients throughout their claim
• Your client is assessed on the ability to perform their own occupation
• We are the only provider to offer Pension Contribution Protection Benefit to your clients
• To help your clients to budget for the future, we offer guaranteed premium rates
• Tailored NHS doctor's sick pay initiative and doctor's sabbatical cover
• To account for later retirement ages, we offer a maximum ceasing age of 70
• You save time when using our intelligent system eSelect^® to process your Income Protection business, due to its interactive underwriting capabilities
• To help you sell more of this product, we've created an Income Protection toolkit, including seminar training modules, sales materials, case studies and sales tips
• Hospitalisation benefit, included at no extra cost, provides financial support to your clients whilst they are in hospital
• Rehabilitation benefit supports clients who return to work  but  receive reduced earnings, due to their incapacity
• Housepersons cover helps to provide financial peace of mind for clients working less than 16 hours per week
• As a market leader, we take pride in offering you a comprehensive and competitive Income Protection product.
• You'll be dealing with an experienced provider, as we have over 120 years experience in writing Income Protection.