<h1>Welcome To BBFS</h1>

Century - the education years

Taking out a Century Plan with the Bristish Friendly Society is easy. You can apply for your child to join as a junior member from birth onwards, provided your child is resident in the UK and they have not yet reached their 16^th birthday.

Just fill in the application form and return it to British Friendly Society Ltd, FREEPOST BF57, Bedford, MK40 2BR.

Cover Options and Features

Choose the level of weekly cover you need between £18 and £300.

Choose whether to begin receiving benefit payments immediately or after the illness has lasted a short while - known as a deferred period.

Benefit is paid in three stages: Full Pay (100%) for the first six months, then Half Pay (50%) for the next six months followed by Reduced Pay (30%) until recovery or age 60, whichever comes first.

Cover starts as quickly as just three months after your child's membership commences.

Your child will be covered from age 5 and until then, we will enhance investment returns.

Examples of weekly Sickness Benefit

Sick Pay Scale	100 Units	300 Units	500 units
Full Pay	£60.00	£180.00	£300.00
Half Pay	£30.00	£90.00	£150.00
Reduced Pay	£18.00	£54.00	£90.00

How much will it cost?

The amount you pay depends on the level of cover you choose and your child's age. To calculate the monthly premium, please refer to the following tables or to find out exactly how much your child's cover will cost, please call us free on 0800 975 6565 for a personal quotation.

Monthly Premiums - boys		Monthly Premiums - girls
Age	Cost per Unit	Age	Cost per Unit
0 - 16	16p	0 - 16	17p

Discounts for deferring sick pay - available from age 5
Day one cover	4 weeks deferral	8 weeks deferral	13 weeks deferral	26 weeks deferral
0%	15%	20%	22%	25%

How do I claim sickness benefit for my child?

Simply call our claims team on 01234 358344. We will advise you about paperwork and payment of benefits. We will refer you to one of our nurses if appropriate.

Full terms and conditions are available on request. To download a brochure containing more information click here.

What Are The Risk Factors?

The value of your capital account will depend upon interest and apportionment rates declared each year, so could be lower than the amount you pay in premiums.