Sovereign Income Assistance Plan

Paying you an income if you can’t work

Strength behind the name APRIL UK (Insurance Services) Ltd is authorised and regulated by the

Financial Services Authority. We are part of the APRIL Group who operate in 37 countries and look

after some 3 million policyholders worldwide. The APRIL Group are valued in excess of £846 million. In 2010 they paid out claims totalling £218 million. The plan is underwritten by London General Insurance Company Limited,

who is rated ‘A-’ (Excellent) by AM Best for their financial strength, and isauthorised and regulated by the Financial Services Authority. They have beenproviding insurance products to some of the leading retailers, banks andfinancial services companies throughout Europe for over 30 years.

Worldwide CredibilityThe APRIL Group has operations in the following countries:Argentina, Australia, Belarus, Belgium, Brazil, Bulgaria, Canada, Chile, China, Columbia,Croatia, France, Germany, Greece, Hungary, India, Ireland, Italy, Lithuania, Malaysia,Mexico, Morocco, Poland, Portugal, Romania, Russia, Serbia, Slovenia, Spain, Switzerland,Thailand, Tunisia, Turkey, Ukraine, United Kingdom, United States, Uruguay.

Introduction to APRIL UK…

Our Aim…Provide financial assistance when

you can’t provide for yourself through accident or sickness

Introduction to APRIL UK…

Don’t worry - we’ve heard it all before...

I don’t need insurance because:

These are the facts: Over 2.5 million people are claiming Incapacity Benefit.

More than 2.2 million people in the UK have been off work for at least 6 months due to sickness and disability

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.

1556 people are made redundant every day

Source: Department of Work and Pensions, Cancer Research, The Stroke Association, Credit Action, 2010

But in reality...

How would you pay for these:

If something happens to YOU...

Mortgage/Rent

Food

Phone Bills

Electricity/Gas

Child Expenses

Car Expenses

Council Tax

Water Bills

Loans/Credit Cards

Holidays

Entertainment

Clothes

EMPLOYEDStatutory Sick Pay: - Standard rate: £81.60 per week

This is paid by your employer for up to 28 weeks. If you are still unable to work, you may be eligible for Employment and Support Allowance (ESA) below.

SELF EMPLOYEDFirst 13 weeks (ESA - Assessment Phase): - Single person under 25: up to £53.45 per week - Single person over 25: up to £67.50 per week

From week 14 (ESA - Main Phase): - Single person - up to £99.85 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, 2011-12

Could you survive on State Benefits?

SO YOU AGREE PROTECTING YOUR INCOME IS IMPORTANT TO YOU…

Introducing the Sovereign Income Assistance Plan

1. ACCIDENT AND SICKNESS MONTHLY BENEFITPaying you between £250 and £2,500 per monthMaximum monthly benefit: 60% gross taxable earnings for employed, or 60% taxable income for self employed. Evidence of loss of income up to the benefit level required upon claim.

2. HOSPITALSATION 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 BENEFITPaying 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 BENEFITPaying out between £12,500 and £125,000 (50 times monthly benefit)

Summary of the Cash Benefits…

Optional Business Failure/Unemployment CoverIn the event of Business Failure or Unemployment we will pay you

a monthly income of between £250 to £2,500.

Home Worker CoverOption to include a non-earning spouse or partner for Accident

and Sickness Cover for a small premium.

FREE Child CoverWhen you include a partner on your policy, up to 4 named children

(age 3 – 16) can be covered for Accidents and Hospitalisation (from an accident only), completely FREE of charge.

Index Link your PolicyOption to increase your benefit by up to 5% each year (to the

nearest £50) to ensure it keeps up with inflation.

Additional Benefits…

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

• If you are away from the European Union for more than 90 days consecutively, subject to residency rules

We have nothing to hide...

No Medical Examinations or QuestionnairesYou 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.

Easy to apply...

We have made it refreshingly simple to make a claim on this policy

Quick and simple claims process...

Cover 365 days a year, 24 hours a dayAs 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.

Our promise to you...

Our NO CLAIMS Cash Back Offer!Include our Return of Premium option and you get this

extraordinary money back guarantee:

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

This makes Sovereign a win-win situation! Because if you need the policy and make a claim, you’ll receive a valuable benefit.

But if you don’t use the policy, you get back 25% of your money!

THAT’S MONEY IF YOU CLAIM! MONEY IF YOU DON’T!

We refund 25% of ALL premiums...

Incredible additional benefit to your plan!COMPLIMENTARY COVERBest Doctors is an expert medical consultation and secondary

opinion service. You get access to their fantastic service when you take out our Sovereign Income Assistance Plan - at NO additional cost!

Access to world renowned medical experts Best Doctors have a database of over 50,000 world-leading

specialists who can conduct an in-depth review of your medical condition.

Peace of mindBest Doctors can ensure your diagnosis is accurate and help you understand the most appropriate treatment options available to you.

BEST OF ALL - ‘Best Doctors‘ included...

We need to ask you some questions about your current needs,

in the event of accident and sickness, and your budget.

This will enable us to make a recommendation on what

we believe is the most suitable plan for you...

Regulatory DisclosureThe Monthly Cost of Short-Term Income Protection for every £100 of Monthly Benefit starts from £2.46.There are other providers of Short-Term Income Protection and other products designed to protect youagainst loss of income. For impartial information about insurance, please visit the website atwww.moneymadeclear.org.uk

Our Recommendation...