What is income protection?

Income protection helps you pay your bills when you can’t work

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 an income protection plan, such as our 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.

Plan highlights

Protect your bills and maintain your lifestyle

Our Lifestyle Protector is a simple income protection plan, that pays you an income if you can’t work due to accident or sickness.

  • Pays you between £300 and £1,500 a month

  • Benefits start once you’ve been off work for just 14 or 30 days and are backdated to the day you were signed off by your GP

  • It’s tax free – spend the money on anything you want

  • Proof of income not required
    (Proof of work will be required)

  • No health or financial questions

  • Options to include unemployment cover, life cover and critical illness cover

 

"My experience with APRIL UK was outstanding, very informative and professional staff willing to provide all the information to ensure the correct policy was purchased. Highly recommend APRIL UK." - Paul

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What's included?

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 signed off work by your GP, 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.

Optional benefits

Please refer to the Policy Document for a full list of benefits.

What's not included?

These are some of the key exclusions

  • HIV, AIDS and related conditions

  • Normal pregnancy

  • Drug addiction 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 some of the key unemployment benefit exclusions

We will not pay any Unemployment Benefits:

  • If it starts within 60 days of the Commencement Date

  • If it is a result of Your wilful misconduct, dishonesty or fraud

  • If it is a regular or seasonal event that occurs in Your Work

Please refer to the Policy Document for a full list of exclusions.

How do I make a claim?

Contact Covea directly on 0333 130 4520 to start your claim.

FAQ

Who can apply?

You must be:

  • Between the ages of 18 and 64 (minimum and maximum ages)
  • Resident in the UK, Isle of Man or Channel Islands
  • You are actively working, being:
    - employed for a minimum of 16 hours per week or equivalent of 70 hours per month. (i.e. not medically certified as unfit for work).
    - self-employed (i.e. not medically certified as unfit for work).
  • Working continuously for 12 months before the policy start date if you have chosen the unemployment benefit (the unemployment benefit is not available to you if you are self-employed)
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. All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded - unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. Any new medical conditions will be covered – but please refer to the Policy Document for full details.
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
Who underwrites the plan?
Covea Insurance plc
Covea Insurance plc underwrite our Lifestyle Protector plan. With over 50 years trading experience in the UK, they have an excellent reputation in the industry for serving major financial institutions and having strong service standards.

FAQ

Who can apply?

You must be:

  • Between the ages of 18 and 64 (minimum and maximum ages)
  • Resident in the UK, Isle of Man or Channel Islands
  • You are actively working, being:
    - employed for a minimum of 16 hours per week or equivalent of 70 hours per month. (i.e. not medically certified as unfit for work).
    - self-employed (i.e. not medically certified as unfit for work).
  • Working continuously for 12 months before the policy start date if you have chosen the unemployment benefit (the unemployment benefit is not available to you if you are self-employed)
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. All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded - unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. Any new medical conditions will be covered – but please refer to the Policy Document for full details.
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
Who underwrites the plan?
Covea Insurance plc
Covea Insurance plc underwrite our Lifestyle Protector plan. With over 50 years trading experience in the UK, they have an excellent reputation in the industry for serving major financial institutions and having strong service standards.