Why National Friendly? What makes us different.
National Friendly was established in 1868 to help members meet their health, welfare, and protection needs. We maintain a reputation for excellent service and innovation and have been by our members’ side for over 150 years.
We pride ourselves on our unique and flexible underwriting approach, personable customer service, and efficient claims process.
We have a TrustPilot rating of Excellent 4.6 out of 5.
In 2021, we received 9.7 out of 10 for our overall medical claims service.
Our Products
Income Protection
A real solution for clients that uses flexible underwriting and reviewed on a case-by-case basis.
We offer both underwritten short-term Income Protection as well as our non-underwritten, Accident Only Income Protection.
Our Income Protection policy can cover your clients for up to 70% of their income if they can't work because they’re ill or have been injured.
Some key features are:
- Favourable terms and straightforward processing for clients with Type 2 Diabetes.
- Option to pay extra and enhance the standard cover for Hazardous Pursuits and include Accidental Death benefit.
- Benefit Guarantee: Your client has the option to provide proof of earnings within 6 months of the plan going live, which will mean they can guarantee up £3k per month, regardless of their earnings at the time
- Rehabilitation benefit: Your client is eligible for up to £1500 pa paid towards therapies and treatment which will Help them go back to work as soon as possible.
Accident Only Income Protection
Every adviser has clients who can’t access traditional IP due to budget or medical restraints, so our Accident Only Income Protection policy is a great alternative.It aims to pay your clients a regular benefit if they can’t work because they’ve had an accident and suffer a loss of earnings as a result.
This policy, without medical underwriting, allows a large, underserved sector of the population to find cover. So help your clients get peace of mind because accidents happen.
Key features:
- Option to pay extra and enhance the standard cover for Hazardous Pursuits and include Accidental Death benefit.
- Fracture cover – for a level monthly premium of £3.90, your client will receive lump sum cover from £1k – to a yearly maximum of £3k, dependent on the severity of the fracture.
- Your client has the option to provide proof of earnings within 6 months of the plan going live, which will mean they can guarantee up £3k per month, regardless of their earnings at the time.
- Fair assessment based on BMI: we cover up to 40.9.
- Heavy Occupations: Cat 4 occupations (including builders) are covered.
Over 50s Guaranteed Life Assurance
A ‘whole of life’ policy: pays out a cash lump sum when you die. This policy offers guaranteed acceptance without the need for a medical.The only plan in the market to offer a six-month deferment period and a 10% discount in premium if your client can answer just two medical questions favourably.
Or they can choose to answer no medical questions and have a two-year deferment period and standard rates.
There’s also the choice to put the policy into trust to protect against inheritance tax.
For more information about our Over 50s Guaranteed Life Assurance, click here.
My PMI
One private medical insurance product with four levels which is designed to fit around every client’s needs and budget.- A solution for older clients: New clients accepted up to age 85 on all underwriting types.
- We don’t penalise for smokers, BMI, Hypertension (must be medically treated) and cholesterol (must be medically treated).
- 5 Year Guarantee: This means that we won’t look at a customer’s claims history for 5 years, no matter how many claims they make.
- Common sense underwriting: We don’t load for CPME business and only go back two years for medical history on CPME. We accept conditions that tend to be declined with temporary exclusions. Clients’ historic exclusions can be reviewed after being covered for just 2 years.
- Fair pricing: New clients’ premiums aren’t rated based on their claims history or underwriting type. Our premium will never change whether its Moratorium, CPME or FMU. It’s the same premium. We never load even for medical conditions.
- Option for group leavers: Clients with MHD underwriting on CPME terms and pricing are accepted.
Access to Friendly GP: All our products offer a 24/7 virtual GP service with unlimited telephone/video calls to a panel of private GPs. This valuable benefit is not only available to the policyholder, but also their partner and dependent children
- 0333 014 6296
- Visit Website
How to Register
If you are setting up agencies for the first time with providers
Email Risk Management Team requesting to set up an agency and they will arrange for the application forms and terms of business to be sent and request from the firms: evidence of PI cover, organisation chart and vulnerable customers policy.If you are an adviser to a firm that already has agencies
Email Intermediary Channel and they will arrange log-ins to our quote and apply portal to quote and submit business or call 0333 014 6296If you have applied for an agency and need to be setup on a provider’s online system
Email Intermediary Channel and they will arrange log-ins to our quote and apply portal to quote and submit business or call 0333 014 6296
THIS SITE IS FOR PROFESSIONAL INTERMEDIARY USE ONLY AND NOT FOR USE BY THE GENERAL PUBLIC.
Useful Links
Paradigm Protect is a trading name of Paradigm Mortgage Services LLP
Office address: 1310 Solihull Parkway, Birmingham Business Park, Birmingham B37 7YB
Paradigm Mortgage Services LLP is registered in England and Wales. Company No: OC323403. Registered Office: Paradigm House, Brooke Court, Lower Meadow Road, Wilmslow, SK9 3ND
Paradigm Mortgage Services LLP is a Limited Liability Partnership.