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Breathing Space

Our Breathing Space Product

Breathing Space could be right for you if:

  • You’d stop earning, or earn much less, if you weren’t able to work because of an illness or injury.
  • You don’t have enough savings to support you and your family if you couldn’t work and get paid.
  • You wouldn’t get state benefits or they wouldn’t be enough to support your lifestyle.
  • Your income is irregular or fluctuates – perhaps because you’re self-employed or do contract work.

Key Features

  • Pays you an income while you’re too ill or injured to work. By ‘too ill or injured’, we mean unable to do the main tasks of your occupation, and you lose some or all of your income because of this, and you’re not doing any other paid or unpaid work.
  • You can choose from our options how long you want to wait before your first benefit payment – this waiting time is your ‘deferred period’.
  • Pays you weekly or monthly into your chosen personal bank account or directly to your mortgage lender.
  • Can pay a valid claim weekly or monthly for a maximum of 1 or 2 years at a time.
  • Covers you for a minimum of 5 years until the age you choose – which can be any age from 50 to 70.
  • You can ask us to make changes to your policy whenever you want, as long as those changes are allowed by your Terms and Conditions. You can make some changes without having to answer any more questions about your health and lifestyle.
  • There’s no limit to the number of times you can claim and you can claim more than once for the same illness or injury. But there are some restrictions.
  • Gives you the option to add Fracture Cover as an additional benefit at an extra cost.
  • You can add Children’s Critical Illness Cover to new Breathing Space policies. There is an extra cost for this.

To request Breathing Space policy information including the Policy Summary (Key Facts) and Terms and Conditions, please contact our Member Services Team on 01234 358 344 or e-mail enquiries@britishfriendly.com.

Breathing Space can only be purchased through a Financial Adviser. If you are interested in purchasing a policy, you can find more information about finding a Financial Adviser in your area at www.fca.org.uk/consumers/finding-adviser.