What is life insurance?

Life insurance is one of the most cost-effective and popular forms of financial protection in the UK, and it’s easy to see why.

It pays out a lump sum upon death, which provides your family and dependents with priceless protection when you’re no longer around. The money could cover expenses such as mortgage payments, household bills, education costs, and lifestyle needs.

At APRIL UK we provide an invaluable life insurance service. Our quote comparison service looks at products and premiums from a panel of leading insurers, to help you get the product you need at a price you’ll like.


Lump sum protection – you decide how much cover you need
Competitive monthly premiums
Cover for your mortgage
Peace of mind for the family – a lump sum should the worst ever happen

"Brilliant company. I have insured my whole family with APRIL UK. I wouldn't be without them." - Gwen

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Why do I need life insurance?

Although it’s not something that we like to think about, the death of any parent, particularly the breadwinner of the family, could have devastating financial effects on those you leave behind.

Just think how your loved ones would cope if you were no longer there. Could they continue to pay the mortgage and everyday bills? What would their lives be like without your financial support?

How does life insurance work?

Put simply, a life insurance plan pays out a lump sum upon death or diagnosis of a terminal illness (where you have less than 12 months to live). Your loved ones will be free to use the cash lump sum in any way they see fit, from paying off an outstanding mortgage to using it to support themselves in future years.

Our comparison service

At APRIL UK, we don’t just offer you one life insurance plan. Instead, we search a panel of leading insurers on your behalf, to find you the most competitive premium. To give you added peace of mind, our panel contains some of the biggest names in life insurance, including the following:

Life insurance and critical illness cover

What is critical illness cover?

Critical illness cover is lump sum protection against serious illness

Critical illness cover is a form of financial protection that pays you a lump sum when you’re diagnosed with a life-threatening illness such as some forms of cancer, heart attack, stroke, major organ transplant, kidney failure and many more. Depending on the insurer there are usually around 41 conditions covered.

Critical illness cover is available as a standalone policy, although it is also available alongside life insurance.

Why do I need critical illness cover?

Just like life insurance, critical illness cover also has an important part to play in any individual’s protection planning. Some people believe it should be given even greater priority, as you’re more likely to suffer a “critical illness” than die before you reach the age of 65. In other words, you are much more likely to claim on a critical illness plan than a life insurance plan.

How does critical illness cover work?

Once you’re diagnosed with an eligible critical illness, the plan pays you a cash lump sum. This sum can be vital in helping you during the recovery phase. Chances are that you won’t be able to work - either indefinitely or for a significant period of time - so the lump sum could be used to compensate this, as well as giving you enormous peace of mind.

If you do suffer a critical illness, then perhaps you’ll need to make important lifestyle changes as a result. Again, the lump sum paid out from a critical illness plan can support you and your family if you need to make such a decision.

Life insurance and critical illness cover