British Friendly Society Ltd is a mutual insurance company founded in 1902, offering income protection insurance and other financial services. They provide products like Holloway and Century policies, as well as Protect and Breathing Space income protection policies, available through financial advisers. Their target audience includes individuals and families seeking income protection. The unique selling proposition is their mutual structure, ensuring no shareholder dividends, and offering additional support through Mutual Benefits and BF Care programs at no extra cost, enhancing member benefits beyond standard insurance coverage[1][2].