Sovereign Income Assistance Plan APRIL Insurety is a trading name of Insurety Plc who is authorised...

Sovereign Income Assistance Plan

APRIL Insurety is a trading name of Insurety Plc who is authorised and regulated by the Financial Services Authority, no 308655

Paying you an income when you can’t work

Unique cash back option

SOVPP 1009

Introduction to APRIL InsuretyStrength behind the name

Insurety Plc is authorised and regulated by the Financial Services Authority.

We are part of the APRIL Group who operate in 25 countries and look after some 2.5 million policyholders worldwide.

The APRIL Group are valued in excess of £1.1 billion.

In 2007 they paid out claims totalling £88 million.

The plan is underwritten by London General Insurance Company Limited (LGI) who is 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 and is authorised and regulated by the Financial Services Authority.

Worldwide Credibility

The APRIL Group has operations in the following countries:

Italy, Spain, Portugal, UK, Germany, Ireland, France, Bulgaria, Hungary, Poland, Canada, Mexico, Croatia, Ukraine, Slovenia, Serbia, Switzerland, Romania, Russia, Tunisia, Belgium, India, Lithuania, Andorra, Belarus.

OUR AIM…Provide financial assistance when you

can’t provide for yourself through accident or sickness

Don’t worry – we’ve heard it all beforeI don’t need insurance because…

But in the real world…These are the Facts:

Over 2.6 million people are claiming Incapacity Benefit.

You are 26 times more likely to be incapacitated and off work for more than 6 months, than to die before the age of 65.

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.

There are over 320,000 work related injuries each year.

Source: Department of Work and Pensions, IAD Information Centre (DWP) 2005. ONS Annual

Abstract of Statistics 2005, Cancer Research, The Stroke Association, RosPa.

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

Can you survive on State Benefits?

You could be entitled to Employment and Support Allowance:

First 13 weeks (Assessment Phase)

- Single person under 25 - up to £51.85 per week

- Single person over 25 - up to £65.45 per week

From week 14 (Main Phase)

- Single person - up to £91.40 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, valid until 5th April 2010.

SO YOU AGREE PROTECTING YOUR INCOME IS IMPORTANT TO YOU…

Introducing the Sovereign Income Assistance Plan

Summary of the Cash Benefits

1. ACCIDENT AND SICKNESS MONTHLY BENEFIT Paying you between £250 and £2,500 per month Maximum monthly benefit: 60% of your gross earnings/net profit/additional cost to continue your business. Evidence of loss of income up to the benefit level required upon claim.

2. HOSPITALISATION 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)

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

Include a partner on your policy and up to 4 named children (age 3 - 16) can be covered for Accidents and Hospitalisation (from an accident only), absolutely FREE.

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.

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

You are away from the European Union for more than

90 days consecutively, subject to residency rules

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.

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

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.

BEST OF ALL!Our Amazing NO CLAIMS Cash Back offer…

Include our NO CLAIMS Cash Back option and you get this extraordinary money back guarantee:

If you keep your policy for 12 years and do not make a claim, we will refund 25% of ALL the premiums you have paid!

That’s money if you claim! Money if you don’t!

How much does this protection cost?

At APRIL Insurety we always put the customer first. That is why the price is down to you.

We recommend that you allocate an affordable amount per week to protect your future.

What is an affordable amount for you each week?

Sovereign Income Assistance Plan

The End

APRIL Insurety is a trading name of Insurety Plc who is authorised and regulated by the Financial Services Authority, no 308655