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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.

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.

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.

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

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 cover provides financial support if an employee dies.

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.

The Discounted Gift Plan (DGP) consists of our FRIENDS Wealth Solutions Bond written under the Discounted Gift Trust.

The Loan Trust Plan involves the client making a loan to the trust and then having this money gradually paid back to them to spend.

A range of corporate pension solutions for the employer.

The Group Personal Pension Plan (Series 2) (GPP) is no longer open to new schemes but does allow increments to existing plans and where the scheme allows new members to join.

The plan is no longer open to new schemes with effect from 7th July 2001. The plan is still open for new members to existing schemes and for increments. New Generation Pension GPP terms are available to new schemes, and existing GPPs can transfer over to the new NGP terms.

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

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

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

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

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

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