British Friendly Income Protection
TL;DR
British Friendly is a mutual society offering flexible income protection with options for self-employed workers and those with pre-existing conditions.
British Friendly is one of the UK's oldest mutual insurers, founded in 1902. As a mutual society, they're owned by their members rather than shareholders, focusing on policyholder value.
Key Features
- Mutual society - Member-owned, not shareholder-driven
- Flexible underwriting - Often accepts applicants declined elsewhere
- Self-employed friendly - Designed for contractors and freelancers
- Day-one cover options - Short deferred periods available
Who Is This Best For?
British Friendly is particularly suitable for self-employed workers, contractors, and those who may have been declined by mainstream insurers.
Related Topics
Jay Sabine
CeMAP, Cert CII (MP)
29 Years Experience
Content reviewed: January 2026
CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.