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How our Lifestyle Protector Plan helps you

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 benefit thanks to our Lifestyle Protector Plan.

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 and help maintain your lifestyle.

Plan Highlights:

  • Up to £1,500 a month to help you with your everyday expenses
  • Benefits start after just 14 or 30 days off work - paid back to day one and up to a maximum of 12 months!
  • Provides a tax free cash benefit if the worst should happen
  • NO proof of income required
  • Hospitalisation benefit included at NO extra cost
  • Quick & easy to apply - no health or financial questions
  • All occupations covered


If you are looking for an insurance provider with a solid track record of protecting its customers, you have come to the right place. Since 1997 we have gained a glowing reputation for upholding some of the toughest service standards in the industry and providing excellent service to thousands of satisfied customers. We are also part of the APRIL Group, a global insurance brand protecting more than 6 million customers worldwide.

What do our customers think?

 “I have been with April for so long, I can’t remember when I joined them! Always, efficient, always pleasant, and so I find no reason to leave.”

Elizabeth Slough

“Wow !!! What a pleasant surprise to speak to someone who cared, knew their products, had great people skills and knew the meaning of Customer Service.”


"I've had my policy since 2000 and I've always been massively satisfied with how the company functions and responds with no hassle or fuss."


* Review centre and reviews correct as of 24th October 2016

Your Lifestyle Protector Quote

You are just seconds away from your online quote. Simply complete the fields below and click the Calculate Premium button.

Your details:

Your cover details:

Please select your optional cover extras:

per month (annual equivalent: )

(Quote inclusive of Insurance Premium Tax (IPT) at the current rate)

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 by email, phone, letter and text message. Under no circumstances will the APRIL Group pass your details on to third parties for this purpose.

Calls to/from APRIL UK may be recorded for quality assurance, training and monitoring purposes.

* The premium quoted is based on a start date of today and is valid for 30 days. Your premium may change if you pass a birthday between now and the policy start date, or if any of the details provided change.

We strongly recommend you read our FAQ’s stated below.


Can I apply for this plan?

You can take out the Lifestyle Protector Plan if on the policy commencement date:

  • you are aged 18 years old or over and under 65; and
  • you are resident in the United Kingdom, Isle of Man or Channel Islands; and
  • 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).

Where you have chosen the unemployment option, in addition to the above, you must have worked actively and continuously, for 12 months before the commencement date of the policy. Please note that you are not eligible for the unemployment cover if you are a self-employed person or a controlling director of your own business.

Lifetime Premium Guarantee

Some accident and sickness plans will increase your premium in line with your age. With Lifestyle Protector, you’ll have the peace of mind that your premium will be based on the age you take out the plan and will never increase just because you are getting older. That helps keep your plan affordable, not only today, but also in the future.

Are there any medical exclusions?

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.

Are there any initial exclusion periods?

For claims related to accidents and life cover, you will be covered from day one of the policy. For claims relating to sickness and critical illness cover and claims relating to unemployment, there is an initial exclusion period of 60 days from the policy start date before you are eligible to make a claim.

What isn’t covered?
  • Chronic conditions
  • Pre-existing conditions
  • 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 please read the Policy Document for full details and exclusions.
What is the definition of Self-Employed?

Being in a profession or business, alone or in association with others, paying Class 2 National Insurance contributions.

What is the definition of Employed?

In paid employment under a contract of services under which you ordinarily work in the United Kingdom, Channel Islands or Isle of Man for a minimum of 16 hours per week or equivalent of 70 hours per month and paying Class 1 National Insurance Contributions.

For more information, please read the policy document here.

APRIL UK is a trading name of APRIL UK (Insurance Services) Ltd (registered in England No 3179382), who is authorised and regulated by the Financial Conduct Authority, registration number 308655.

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