National Friendly Life Insurance
Learn how National Friendly life insurance works, the cover options available and their rewards.
Who is National Friendly?
National Friendly is a mutual society based in Bristol, established in 1868. As a mutual, it is owned by its members rather than shareholders. This means their focus is always on the needs and benefits of their members. The society has a long history of evolving its products to suit customer needs, ensuring they remain relevant and effective.
Want to talk to our friendly team? Get your over 50s life insurance quotes here.
What life insurance does National Friendly offer?
National Friendly offer over 50s life insurance with a range of key features:
Guaranteed acceptance
For those aged 50-80 (non-smokers) or 50-75 (smokers).
Optional medical questions
Two optional questions that, if answered, may qualify you for a larger payout or a shorter qualifying period.
Monthly premiums
This can be as much or as little as you like, however, this will determine the cover amount.
Moratorium period
A waiting period between the policy start date and full cover. This can be either 6 months or 2 years. Should you pass away within this period due to a non-accident, National Friendly will refund all the payments you’ve made.
A Payout upon death
Can help cover funeral costs, debts, or be a gift to loved ones
Whole of life cover
This type of policy does not include a specified term, as you are insured until the end of your life.
To talk about National Friendly over 50s life insurance, you can start by completing our online form. A member of our friendly team will then call you to go through your options and provide quotes.
Benefits of insuring with National Friendly
Alongside the protection insurance products that National Friendly offer, comes plenty of benefits to choose from. Let’s take a closer look:
Accidental death benefit
Provides double the pay out if death occurs due to an accident, not from an illness, disease, or pre-existing condition. This benefit applies even during the qualifying period. The payout will be twice your chosen sum-assured, but only if you die within 30 days of the accident.
Terminal illness benefit
Offers an advance pay out directly to you if diagnosed with a terminal illness and have 12 months or less to live. If you claim this benefit, you’ll receive half of your payout in advance, with the rest paid to your beneficiaries after your passing. This applies if diagnosed at least two years after taking out your policy.
Shorter waiting period
Your waiting period (moratorium) could be as short as 6 months if you answer two qualifying medical questions and could increase your cover amount. If you pass away within the waiting period due to a non-accident, National Friendly will refund all the payments you’ve made.
Friendly GP service
24/7 access to telephone and video consultations, private prescriptions, and open referrals.
Join over 500,000 UK families who’ve taken out Life Insurance with Protect Line
Life insurance gives your family financial protection if something happens to you. It can help with mortgage payments, bills, and everyday costs. Protect Line compares quotes from top insurers like National Friendly to find the right cover for your family’s needs
Get your National Friendly over 50s life insurance quotes today.
Why choose National Friendly?
Here at Protect Line, we are non-advisory and will never encourage you to take out life insurance with a specific insurer. We do, however, pride ourselves on providing all the facts you might need to make an informed insurance decision from our panel of leading insurers.
National Friendly has a long history of customer-focused service. As a mutual society owned by its members, they prioritise your needs. In 2024, they were recognised across various industry awards, demonstrating their commitment to excellence, including:
For more information on National Friendly policies, fill out our online quote form or call 0333 880 3030 to speak with our friendly agents.
