At National Friendly, we believe adventurous clients deserve clear, fair, flexible protection. That’ s why we’ ve set a new benchmark for Hazardous Pursuits cover under our Income Protection and Accident Only Income Protection policies.

“ We’ ve built one of the most straightforward and inclusive Hazardous Pursuits options in the market,” says John Fotheringham, our Technical Lead Underwriter. Here’ s how and why it matters for advisers and their clients.

Hazardous Pursuits cover and why it matters

Hobbies shouldn’ t stop your clients from protecting their income. Many leisure activities are already covered under our standard terms but if your clients love more adventurous pastimes, they can simply upgrade to our Enhanced Cover for extra peace of mind.

What sets us apart is our pragmatic approach to underwriting. There are no extra questions about particular hazardous pursuits. Clients are either covered under standard terms, or they upgrade. Simple as that.

We also offer advisers a powerful tool: the option to apply a lower sum assured specifically for Hazardous Pursuits. This gives you the flexibility to offer some level of protection without pricing clients out, especially where a full premium might otherwise be a blocker.

No grey areas. Just clear, upfront rules, a transparent list of covered activities, and the confidence that adventurous clients are properly protected without the paperwork.

Why did we make these changes?

“ We regularly review our pricing, claims data and adviser feedback,” explains John.“ It was clear we could make things clearer and fairer especially for popular team sports and combat sports … So we did.”

As a relatively new player in the Income Protection market, we initially took a more cautious approach to Hazardous Pursuits. That gave us the chance to properly evaluate adviser demand, policy take-up and claims experience.

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