Life Insurance from
National Friendly

Choosing the right life insurance policy should be simple

It’s easy to get a quote for life insurance, but finding the perfect policy to suit your needs can be more of a challenge.

Our experts can help with that.

With our wide-ranging connections to life insurance companies across the UK, we can guide you to find the best options. Your family’s financial security matters to us, and we work hard to make sure you get the protection you need.

At The Insurance Surgery, we believe in being honest and clear about the life insurance options we suggest. We share our insights on the insurance companies we partner with, so you can see exactly who we recommend and why.

In this National Friendly Life Insurance review, we’ll delve into who they are and what their cover includes. We’ll also find out why National Friendly Life Insurance has received such good customer reviews.

Read on to learn more about this trusted insurer and why they might be the perfect fit for your life insurance needs.

Who is National Friendly Life Insurance?

Established in 1868, National Friendly Life Insurance prides itself on designing its insurance products with customer needs in mind. It tries to treat customers fairly, protect their health and welfare, and get them ready for the unexpected things that happen in life.

Bristol-based National Friendly sells a wide range of products such as over 50s life insurance, income protection, private medical insurance, later life care, and savings and investments.

In 2022, National Friendly received the LifeSearch Doing Good award for its contribution to the Bristol community. In 2023 the insurance provider is a finalist in the Moneyfacts Awards.

National Friendly started as a mutual or friendly society to help its members save money for co-funded medical care. Since then, it has grown into a well-known insurance brand in the UK.

What life insurance policies do National Friendly provide?

The National Friendly Over 50s Life Cover plan is for people living in the UK who are non-smokers aged 50 to 80 and smokers aged 50 to 75. The straightforward policy of monthly payments gives you and your loved ones peace of mind providing a lump sum payout if you pass away.

This lump sum could be used to pay for your funeral expenses, leave a gift, or help your family in any other way. With National Friendly Over 50s Life Cover, you can support your loved ones now and know they will be cared for in the future.

You will be accepted onto the Over 50s Life Cover plan without answering any medical questions. However, If you answers 2 medical questions you might qualify for an increased payout and the qualifying period would be 6 months not 24 month (unique to the over 50’s market)

On average NF pay over 96% of claims so you know they’ll be there for you in times of need

You will automatically have access to Friendly GP if you choose the National Friendly Over 50s Life Cover. This virtual GP service is available by phone and video call 24 hours a day, 7 days a week.

What income protection policies do National Friendly provide?

If you cannot work due to ill health or injury, an income protection policy will pay you a regular salary until you can get back on your feet.

National Friendly has two income protection plans: Full Income Protection and Accident Only Income Protection. Both policies offer the following:

• A choice of how much money you’ll get each month if you can’t work, ranging from £500 to £6,000 or up to a maximum of 70% of your earnings.
• A choice of how long you’ll receive these payments, either 1 or 2 years.
• A benefit guarantee to protect you if your income goes down between when your policy started and when you file a claim.
• The choice to pay extra for hazardous pursuits cover.

In addition, the National Friendly Full Income Protection policy provides rehabilitation benefits, the choice of a deferred period, and access to the Friendly GP service.

On the other hand, the National Friendly Accident Only Income Protection policy gives you the option of adding an accidental death benefit and a “back to work” benefit if you return to work with less pay.

Why would you choose National Friendly?

With more than 150 years of experience, National Friendly has built a strong reputation in the insurance industry. The company’s longevity is a sign that it is financially stable and reliable. National Friendly products are made with their customer’s needs in mind. They are a great fit for people over the age of 50 who want to protect both their financial futures and those of their families.

The National Friendly Over 50s Life Cover plan lets you make a policy that fits your needs. You can choose between monthly payments or a cash lump sum. Acceptance is guaranteed in the plan, whether you decide to answer medical questions or not. Every policyholder has 24/7 access to a virtual GP service.

There’s plenty of choice when it comes to the National Friendly Income Protection plans too. Choose from full or accident-only cover, how much you’ll get each month if you can’t work because of illness or injury, how long you’ll receive payments, and whether you want to add hazardous pursuits cover.

National Friendly provides a simple service that is built on its foundations as a friendly society.
Here is what National Friendly have to say about working with The Insurance Surgery.