British Friendly

British Friendly can be a good income protection provider for the right customer, especially if you want cover that can support your income if illness or injury stops you working. Suitability depends on your job, income, health and budget.

Yes, Kerr & Watson can help you compare British Friendly with other income protection providers. We can review your occupation, income, sick pay, budget and medical history before recommending the most suitable cover.

Income protection is designed to pay a regular monthly benefit if you cannot work due to illness or injury. The exact amount, waiting period and claim terms will depend on the policy selected.

British Friendly may be suitable for self-employed people who do not receive employer sick pay. Income protection can be especially useful if you rely on your own ability to work and earn.

The amount of cover available depends on your income, occupation and the provider’s rules. Kerr & Watson can help calculate a suitable benefit amount without over-insuring or under-protecting you.

The waiting period is how long you wait before the policy starts paying after a valid claim. The right period depends on your savings, employer sick pay, household expenses and how long you could cope without income.

British Friendly may consider applicants with medical conditions, but underwriting will depend on the condition, severity, treatment and history. Terms may be accepted, amended, rated or excluded.

The cost depends on your age, occupation, smoking status, health, benefit amount, policy term and waiting period. Kerr & Watson can compare quotes and explain what affects the premium.

Income protection and critical illness cover do different jobs. Income protection pays a regular income if you cannot work, while critical illness cover usually pays a lump sum for specific serious illnesses.

British Friendly may be suitable, but it depends on your occupation, health, income and budget. Kerr & Watson can compare British Friendly with other providers and recommend the best fit.

The right insurance provider will depend on the type of cover you need, your age, health, lifestyle, occupation, budget and the reason for taking out the policy. Some insurers may be stronger for life insurance, while others may be more suitable for income protection, critical illness cover, private medical insurance or business protection. An adviser can compare providers and help recommend cover that suits your circumstances.

No. Insurance providers can offer different policy features, definitions, exclusions, underwriting rules, claims processes and optional extras. Two policies may look similar at first, but the quality of cover can vary significantly. This is why it is important to compare more than just the monthly premium.

Not always. The cheapest policy may not provide the most suitable cover for your needs. It is important to consider what the policy covers, what it excludes, how claims are assessed, whether optional benefits are included and whether the provider’s underwriting is suitable for your circumstances.

An insurance adviser can help compare providers, explain the differences between policies and recommend cover based on your needs. This can be especially useful if you are protecting a mortgage, have a family, are self-employed, have pre-existing medical conditions, work in a higher-risk occupation or want to make sure the policy is set up correctly.

Yes. An adviser can compare a range of insurance providers and policy types, helping you understand which options may be suitable. This can include life insurance, critical illness cover, income protection, private medical insurance and business protection, depending on your needs.

Yes. Insurance providers can take different views on medical history, medication, BMI, smoking, family history and previous health conditions. One provider may offer standard terms, while another may increase the premium, exclude a condition or decline cover. Choosing the right provider can make a significant difference.

You may still be able to get insurance if you have a pre-existing medical condition, but the terms will depend on the condition, severity, treatment, recovery, time since diagnosis and the type of cover required. Some insurers may be more flexible than others, so it is worth getting advice before applying.

Some insurance applications can be accepted based on the information provided in the application, while others may require additional medical evidence. This could include a GP report, nurse screening, medical exam or further questions from the insurer. The level of underwriting depends on the provider, policy type, cover amount and your medical history.

A valid claim should be paid if it meets the policy terms and the information provided at application was accurate. Claims can be affected if the condition is not covered, an exclusion applies, premiums have not been maintained or important information was not disclosed when applying. This is why it is important to answer application questions carefully.

Yes. Many people have more than one insurance policy, especially if each policy has a different purpose. For example, you may have life insurance to protect a mortgage, income protection to replace earnings if you cannot work, and critical illness cover to provide a lump sum following a serious illness. The right combination will depend on your needs and budget.

Yes. It is sensible to review your insurance after major life changes, such as buying a home, remortgaging, having children, changing jobs, becoming self-employed, increasing your borrowing or starting a business. Your existing cover may no longer match your needs, or there may be better-suited options available.

Yes. Kerr & Watson can review your circumstances, compare suitable insurance providers and explain which options may be available. We can help with life insurance, critical illness cover, income protection, private medical insurance, business protection and cover for more complex circumstances.