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Individual Protection

Critical Illness Cover

Our Critical Illness Cover is designed to help protect your client and their family from the financial hardship that a serious illness can cause during the cover term.

Critical Illness with Life Cover

Our Critical Illness will help protect your clients and their families from financial hardship if they fall ill and, by adding life cover, your clients can also make sure their dependants are provided for if they die during the cover term.

Income Protection Cover

People will insure their house, they’ll insure their car, and they’ll insure their possessions. Yet they rarely seem to realise they could lose them all - whether they are insured or not - if they lose their income.

Life Cover

Nothing can replace a lost loved one, but life cover will pay out a lump sum during the cover term that can replace lost future income - and with it help give back a feeling of security. At a difficult time, it can ease money worries and help prevent financial hardship.

Business Protection

Business protection aims to reduce the financial impact of death or critical illness affecting key people within your client's business.

Group Protection

Group Income Protection

Friends Life Group Income Protection is designed to provide your client’s employees with the financial security if they are unable to work due to illness or injury.

Group Life Protection

Group Life cover provides financial support if an employee dies.

Group Critical Illness

Friends Life Group Critical Illness cover provides a lump sum benefit if an employee is diagnosed with one of the specified medical conditions or undergoes one of the listed operations covered under the policy and survives for at least 14 days.

Corporate Benefits

Individual Pensions

Individual Personal Pension

A personal pension that offers your client flexibility, an impressive fund choice and competitive pricing.

Individual Stakeholder Pension

A Stakeholder pension offering your client a flexible and affordable approach to retirement planning.

Transfer Value Account

The Transfer Value Account will enable you to transfer your clients existing fund to Friends Life Protected rights and non-protected rights.

Protected Rights Account

The Protected Rights Account will enable your clients to contract out of the State Second Pension (S2P).

Pension Credit Account

The Pensions Credit Account will enable your client to invest a lump sum resulting from a divorce or ending of a civil partnership.

Pension for Children

This plan enables your client to save into a pension on behalf of a child.

Immediate Lifetime Care Plan

The Immediate Lifetime Care plan is appropriate if your client is already suffering from physical or mental disability, and either already receiving or about to receive care. This plan aims to pay part or all of the costs of an individual's care during their remaining lifetime in return for a Single Premium.

Secured Lifetime Care Plan

The Secured Lifetime Care plan is appropriate if your client is already receiving or about to receive care, is able to pay the fees from their own resources but would like to limit their liability. This plan aims to pay part or all of the costs of an individual's care after an agreed deferred period.


The Lifetime Annuity is available for existing Friends Life pension customers.

We also offer an enhanced annuity for certain customers.

Friends Lifestyle Annuity

The Friends Lifestyle Annuity is available to customers who are new to Friends Life.

This product would be suitable for your Clients who are looking to improve their income based on lifestyle factors.


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