When it comes to short term Income Protection, we tick all the boxes...

Comparison of Limited Benefit Term Income Protection Policies

Provider Product1 Year

Benefit Option

2 Year Benefit Option

5 Year Benefit Option

FreeCare

Assistance Benefit

FreeDeath

Benefit

Second Medical Opinion Service

Health & Wellbeing Services Included

No Standard Exclusions

Premium Discounted

when Elements of Cover Excluded

British Friendly Breathing Space

British FriendlyShort Term

Protect

Holloway Friendly

Short Term Income

ProtectionX X X X X X

LV=Personal Sick

PayX X X X X X

Shepherds Friendly Society

Income Protection Plan

X X X X X X X X

The ExeterPure Protection

PlusX X X X X X

Sources: Defaqto Matrix, data effective as of 6th November 2017 and individual provider literature.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No: 110013. Incorporated under the Friendly Societies Act 1992. Registered No: 392F. Member of the Association of Financial Mutuals. Verson: 9.11.17

Breathing Space Short Term ProtectWho is this product designed for?

Breathing Space is for clients who may struggle to prove the level of their income in the event of a claim such as self-employed, casual or part time workers or

people with irregular income.

Who is this product designed for?Short Term Protect is a more affordable option for clients who need cover for shorter claim periods or are on a limited budget. Because our premiums aren’t

based on your clients’ occupation it will provide a lower initial premium to clients who work in manual jobs.

No financial underwriting

Pays £125-£250 weekly benefit

1, 2 or 5 year claim period options

1, 4, 8 or 13 week deferred period options

No standard exclusions

Own occupation - covers your client for the job they do

Pays 70% of annual taxable income

Cover up to age 70

1, 2 or 5 year claim period options

1, 4, 8 or 13 week deferred period options

No standard exclusions

Own occupation - covers your client for the job they do

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No: 110013. Incorporated under the Friendly Societies Act 1992. Registered No: 392F. Member of the Association of Financial Mutuals. Verson: 6.5.18

Key Selling Points

Mutual BenefitsOur exclusive loyalty programme* for British Friendly members at no extra cost!

Access to GP consultations,

medical 2nd opinion service, physiotherapy

and counselling

Create one Will online at no extra

cost

Health Cash Plan for only £2 per week**

Automatic entry into quarterly

prize draws worth £1,000

23% off Fitbit

devices

Access to High Street Discounts,

helping you save up to £250 a year on your shopping bills

Death Benefit*

A lump sum worth 26 weeks of your IP benefit will be

paid to your estate or nominated

individuals

Bereavement Benefit*

If your partner, spouse or child (up to age 18) dies you can receive a lump sum worth

13 weeks of your IP benefit

Care Assistance Benefit*

If a member of your family needs full time care

you could receive £125 per week paid for up to 13 weeks (parent or parent-in-law) or up to 26 weeks (partner, spouse or child

up to age 18)

*discretionary**provided by Health Shield

Health MOTs

15% off Staysure

travel insurance

Create one Power of Attorney

online at no extra cost