1. Sovereign Income Assistance Plan
Paying you an income if you can’t work

2. Introduction to APRIL UK…
Strength behind the name
APRIL UK (Insurance Services) Ltd is authorised and regulated by the
Financial Services Authority.
We are part of the APRIL Group who operate in 37 countries and look
after some 3 million policyholders worldwide.
The APRIL Group are valued in excess of £846 million.
In 2010 they paid out claims totalling £218 million.
The plan is underwritten by London General Insurance Company Limited,
who is rated ‘A-’ (Excellent) by AM Best for their financial strength, and is
authorised and regulated by the Financial Services Authority. They have been
providing insurance products to some of the leading retailers, banks and
financial services companies throughout Europe for over 30 years.
Worldwide Credibility
The APRIL Group has operations in the following countries:
Argentina, Australia, Belarus, Belgium, Brazil, Bulgaria, Canada, Chile, China, Columbia,
Croatia, France, Germany, Greece, Hungary, India, Ireland, Italy, Lithuania, Malaysia,
Mexico, Morocco, Poland, Portugal, Romania, Russia, Serbia, Slovenia, Spain, Switzerland,
Thailand, Tunisia, Turkey, Ukraine, United Kingdom, United States, Uruguay.

3. Introduction to APRIL UK…
Our Aim…
Provide financial assistance when
you can’t provide for yourself
through accident or sickness

4. Don’t worry - we’ve heard it all before...
I don’t need insurance because:

5. But in reality... These are the facts:
Over 2.5 million people are claiming Incapacity Benefit.
More than 2.2 million people in the UK have been off work for at least 6 months due to sickness and disability
More than 1 in 3 people will develop some form of cancer in their lifetime.
An estimated 150,000 people have a stroke every year – that’s 1 every 5 minutes.
1556 people are made redundant every day
Source: Department of Work and Pensions, Cancer Research, The Stroke Association, Credit Action, 2010

6. If something happens to YOU...
How would you pay for these:
Mortgage/Rent
Food
Phone Bills
Electricity/Gas
Child Expenses
Car Expenses
Council Tax
Water Bills
Loans/Credit Cards
Holidays
Entertainment
Clothes

7. Could you survive on State Benefits?
EMPLOYED
Statutory Sick Pay:
- Standard rate: £81.60 per week
This is paid by your employer for up to 28 weeks. If you are still unable to work, you may be eligible for Employment and Support Allowance (ESA) below.
SELF EMPLOYED
First 13 weeks (ESA - Assessment Phase):
- Single person under 25: up to £53.45 per week
- Single person over 25: up to £67.50 per week
From week 14 (ESA - Main Phase):
- Single person - up to £99.85 per week
Depending on your circumstances and severity of your illness or disability –
you may be entitled to more or less money.
Source: Department of Work and Pensions,

8. SO YOU AGREE PROTECTING YOUR INCOME IS IMPORTANT TO YOU…
Introducing the Sovereign Income Assistance Plan

9. Summary of the Cash Benefits…
ACCIDENT AND SICKNESS MONTHLY BENEFIT
Paying you between £250 and £2,500 per month
Maximum monthly benefit: 60% gross taxable earnings for employed, or 60% taxable income
for self employed. Evidence of loss of income up to the benefit level required upon claim.
2. HOSPITALSATION BENEFIT
Paying you between £25 and £250 a day (10% monthly benefit)
After 48 hours hospitalisation, maximum of 30 days each policy year.
3. SERIOUS INJURY BENEFIT
Paying you between £12,500 and £125,000 (50 times monthly benefit)
Should you permanently lose the use of two limbs or the sight in both eyes.
Half benefit if one limb or one eye. In addition you will still receive your monthly benefit.
4. ACCIDENTAL DEATH BENEFIT
Paying out between £12,500 and £125,000 (50 times monthly benefit)

10. Additional Benefits… Optional Business Failure/Unemployment Cover
In the event of Business Failure or Unemployment we will pay you a monthly income of between £250 to £2,500.
Home Worker Cover
Option to include a non-earning spouse or partner for Accident and Sickness Cover for a small premium.
FREE Child Cover
When you include a partner on your policy, up to 4 named children (age 3 – 16) can be covered for Accidents and Hospitalisation (from an accident only), completely FREE of charge.
Index Link your Policy
Option to increase your benefit by up to 5% each year (to the nearest £50) to ensure it keeps up with inflation.

11. We have nothing to hide...
Exclusions have been kept to a minimum, but as you would expect – in common with other insurers - war, AIDS, deliberate self inflicted injuries and normal pregnancy are not covered along with the following:
Sickness for the first 90 days of the plan
Chronic conditions - for example existing diabetes
Alcohol, solvent or drug abuse
Backache or whiplash (unless there is radiological evidence of medical abnormality)
Failure to seek or follow medical advice
Mental illness or stress
Participation in criminal activities
If you are away from the European Union for more than 90 days consecutively, subject to residency rules

12. Easy to apply... No Medical Examinations or Questionnaires
You are guaranteed cover under our ‘Moratorium Clause’.
This means:
NO medical examinations, NO lengthy questionnaires and NO waiting for medical reports from your GP.
The underwriting process is quick and simple. You can be covered immediately, without delay.
We apply a straight forward exclusion to any medical conditions (or related) that you may have suffered in the last 2 years. Once you go just 2 years from the policy start date, free of symptoms, treatment, medication, tests or consultations for that condition, you will then be covered for it should it arise again.

13. Quick and simple claims process...
We have made it refreshingly simple to make a claim on this policy

14. Our promise to you... Cover 365 days a year, 24 hours a day
As soon as we receive your first premium you are covered at home, at work, on holiday - anytime, doing anything!
Benefits are paid directly to you to use as you wish.
We will never increase your premiums or refuse to renew your policy because you make too many claims.
You will have 30 days to review the plan in the comfort of your own home.
Worldwide Cover.

15. We refund 25% of ALL premiums...
Our NO CLAIMS Cash Back Offer!
Include our Return of Premium option and you get this extraordinary money back guarantee:
If you keep your policy for 12 continuous years and do not make a claim, we will refund 25% of ALL the premiums you have paid!
This makes Sovereign a win-win situation! Because if you need the policy and make a claim, you’ll receive a valuable benefit.
But if you don’t use the policy, you get back 25% of your money!
THAT’S MONEY IF YOU CLAIM! MONEY IF YOU DON’T!

16. BEST OF ALL - ‘Best Doctors‘ included...
Incredible additional benefit to your plan!
COMPLIMENTARY COVER
Best Doctors is an expert medical consultation and secondary opinion service. You get access to their fantastic service when you take out our Sovereign Income Assistance Plan - at NO additional cost!
Access to world renowned medical experts
Best Doctors have a database of over 50,000 world-leading specialists who can conduct an in-depth review of your medical condition.
Peace of mind
Best Doctors can ensure your diagnosis is accurate and help you understand the most appropriate treatment options available to you.

17. Our Recommendation...
We need to ask you some questions about your current needs,
in the event of accident and sickness, and your budget.
This will enable us to make a recommendation on what
we believe is the most suitable plan for you...
Regulatory Disclosure
The Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.46.
There are other providers of Short-Term Income Protection and other products designed to protect you
against loss of income. For impartial information about insurance, please visit the website at