Friendly Shield Income Protection

Protect your income from £16/month. Choose Bronze, Silver or Gold: see your personalised price instantly with no medical questions.

↓ More information below

How Friendly Shield Works

FriendlyShield is a short-term income protection policy from National Friendly: a mutual society established in 1868. Unlike traditional income protection, there are no medical questions, prices are shown instantly, and you can buy entirely online in under five minutes.

Bronze: Essential Cover

£750/month income benefit · up to 3 months

Also includes: £1,000 fracture lump sum · £45,000 accidental death benefit · £2,500 natural death benefit (2-yr qualifying period) · £1,000 rehabilitation cover · 24/7 virtual GP & virtual dentist for your immediate family.

Silver: Enhanced Cover

£1,500/month income benefit · up to 3 months

Also includes: £2,000 fracture lump sum · £85,000 accidental death benefit · £2,500 natural death benefit (2-yr qualifying period) · £1,000 rehabilitation cover · 24/7 virtual GP & virtual dentist for your immediate family.

Gold: Extended Cover

£2,250/month income benefit · up to 3 months

Also includes: £3,000 fracture lump sum · £85,000 accidental death benefit · £2,500 natural death benefit (2-yr qualifying period) · £1,000 rehabilitation cover · 24/7 virtual GP & virtual dentist for your immediate family.

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Platinum: Bespoke Cover

Up to 70% of earnings · advised, longer-term cover

Also includes: £20,000 max monthly cover · adjustable deferred periods · longer-term cover available · optional fracture cover, private medical (cancer), global private treatment and children's critical illness. This is our advised option: one of our advisers will build your policy with you.

Key Facts

No medical questions

Cover is available to anyone aged 18–60 in regular employment of at least 16 hours per week, registered with a UK GP for 2+ years. No health screening required.

Short-term by design

FriendlyShield pays your income benefit for up to 3 months per claim. It is designed as a first line of defence: bridging the gap between falling ill and employer sick pay or state benefits running out.

Illnesses & accidents

Cover pays out if you cannot work due to illness or accidental injury. A 14-day deferred period applies: you must be off work for 14 days before a claim can begin.

Add a non-working partner

You can add a non-working partner (married or in a common-law relationship of 3+ years) at a reduced rate. Working partners should take out their own policy.

Paid by Direct Debit

Your premium is collected monthly by Direct Debit, covered by the Direct Debit Guarantee. You can cancel at any time.

Need more cover?

If you need longer-term income protection (up to 70% of earnings, benefits lasting years rather than months) speak to one of our advisers. Use the "Platinum Cover" option in the form above.

Availability: FriendlyShield is not available in Northern Ireland, the Channel Islands, or the Isle of Man. Cover is not available to those who are unemployed, retired, or not regularly employed for a minimum of 16 hours per week.

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