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Lifestyle Protector Plan

  • Pays you a monthly benefit if you can’t work
  • That’s money to pay your bills & mortgage
  • Helps you protect and maintain your lifestyle
  • Option to include unemployment cover
Why Have A Lifestyle Protector Plan?

Money to see you through

No one knows what lies ahead, but we do know that accident or sickness can strike at any time. When it does, it could leave you unable to work, hitting your pocket hard.

With Lifestyle Protector, you’ll have the peace of mind that if you are unable to work due to accident or sickness, you will receive a monthly cash lump sum.

This valuable benefit can help pay for your everyday needs – from keeping a roof over your head and food on the table, to ensuring your household bills are covered.

It’s common sense protection to see you through the hard times.

 GET A QUOTE 

Did you know?

  • The average monthly household expenditure is estimated to be over £2,000 a month. (Office of National Statistics, 2013)
  • Every day 270 families are helped by income protection, life and critical illness insurance payouts.(Association of British Insurers, 2013)
  • Employment and Support Allowance starts at just £57.90 a week. Is that enough to cover your bills? (Department of Work and Pensions, 2015)

 

> Click here to obtain a quote

> Download the policy brochure

> Download the key facts and policy document

> Visit our Literature Library for all product documents 

> How to make a claim

   

Regulatory Disclosure - The Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.35. 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 https://www.moneyadviceservice.org.uk/en
Key benefits at a glance

What are the key benefits?

  • Provides a tax free cash lump sum if you can't work
  • Up to £1,500 a month to spend on anything you want
  • Benefits start from just 14 days off work - Paid back to day one!
  • NO proof of income required
  • Hospitalisation benefit included at NO extra cost
  • Quick & easy to apply - no health or financial questions
  • All occupations covered

 

Choose these options for extra protection:

  • Unemployment benefit Up to £1,500 a month
  • Life cover £10,000
  • Critical illness cover £10,000

 

> Click here to obtain a quote

> Visit our Literature Library for all product documents 

  

Regulatory Disclosure - The Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.35. 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 https://www.moneyadviceservice.org.uk/en
Your benefits and options explained

Standard benefits

Accident and sickness benefit (choose between £300 to £1,500 monthly)

This is payable if you are unable to work due to accident or sickness.

You’ll need to be off work for longer than your chosen waiting period (14 or 30 days) before the benefit will start. It will be paid for as long as you are unable to work, with a maximum of 12 months.

When your first payment is calculated, it will be backdated to the first day you were off-work so you receive benefits for the full time you have been unable to work (with a maximum of 12 months).

 

Hospitalisation benefit (£30 to £150 daily)

If you are hospitalised for more than 48 hours, you’ll receive this benefit for each additional day you remain in hospital.

The benefit will be equal to 10% of your chosen accident and sickness monthly benefit and is payable for as long as you remain in hospital, for up to 30 days each year.

 GET A QUOTE 

Optional benefits

Unemployment benefit (Not available to self-employed)

Include this benefit and the policy will pay you your monthly benefit if you become unemployed due to redundancy. That’s additional reassurance against the unexpected.

 

Life cover (£10,000 lump sum)

This is payable upon death and provides a valuable lump sum benefit to your family, which they can use to pay off debt and safeguard their future.

  

Critical illness cover (£10,000 lump sum)

This is payable upon diagnosis of a specified critical illness, including many types of cancer and other life threatening illnesses. Use the money to make changes to your lifestyle, take time off work to recover, or even enjoy a relaxing break.

 

> Click here to obtain a quote

> Visit our Literature Library for all product documents 

   .

Regulatory Disclosure - The Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.35. 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 https://www.moneyadviceservice.org.uk/en
FAQ

Who can apply?

You must be:

  • Between the ages of 18 and 64 inclusive
  • Resident in the UK, Isle of Man or Channel Islands
  • Employed and working for a minimum of 16 hours per week, or self-employed
  • If you have chosen unemployment benefit, you have been working continuously for 12 months before the policy start date
  • The Unemployment benefit is not available to you if you are self-employed.

 GET A QUOTE 

How do I make a claim?

To make a claim all you need to do is call us on 01454 619500 to request a claim form. Once you receive the claim form, please complete and send to:

TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.

Please do this without delay so that your claim can be processed and eligible benefits paid to you quickly. 

How is the plan underwritten?

When you apply there are no medical questions, so it’s quick and easy to obtain cover and acceptance is usually immediate. Any medical condition that you are aware of or have received treatment for will be excluded – unless you have been symptom-free and not received any advice or treatment for it for two years prior to a claim. Any new medical conditions will therefore be covered – but please refer to the Policy Document for full details.

 

Who underwrites the Lifestyle Protector plan?

The Lifestyle Protector plan is provided by London General Insurance Company Limited and London General Life Company Limited who are The Warranty Group's European general insurance underwriting company. They have been providing insurance products to some of the leading retailers, banks and financial services companies throughout Europe for over 30 years. LGI is rated A- (Excellent) by AM Best for their financial strength.

 

When does the plan end?

The Lifestyle Protector plan will end on the earliest of the following:

  • The date when you become 68 years of age, or the date you retire, whichever is the sooner;
  • The date you fail to pay your premium when due;
  • The date of your death
  • The date a critical illness benefit is paid (if chosen)
  • The date the plan is cancelled or terminated.
     

What isn't covered?

  • HIV, AIDS and related conditions
  • Normal pregnancy
  • Drug addition or alcohol abuse
  • Backache or whiplash (unless there is radiological evidence of medical abnormality)
  • Mental illness or stress
  • If you are away from the European Union for more than 90 days

These are the main exclusions, however please read the Policy Document which contains the full terms and conditions.

 

> Click here to obtain a quote

> Visit our Literature Library for all product documents 

   .

Regulatory Disclosure - The Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.35. 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 https://www.moneyadviceservice.org.uk/en
Ask us a question

To ask a question please email: enquiries@april-uk.com

Data Protection - By submitting this form you are agreeing to allow companies within the APRIL Group to contact you about this product and their services. Under no circumstances will the APRIL Group pass your details on to third parties for this purpose.

Contact Us

Customer service:

0800 028 0849

Mon - Fri 8am - 5pm (excluding public holidays)

Click here for claims helplines

E-Mail:

enquiries@april-uk.com

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