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Getting Technical
Family Life Insurance
How will your dependants cope financially without you? Life Insurance can help by providing a short term and longer income to help meet the essential bills.
Mortgage Life Insurance
Taking out a mortgage is probably the largest financial commitment many people will ever make. But what happens if a borrower dies, or becomes critically ill?
Critical Illness Cover
Most people know of someone that has suffered from cancer or had another critical illness. But what about the financial impact of this change of lifestyle?
Income Protection
Statistically customers are many times more likely to have a period of illness that lasts more than 6 months during their working lifetime, than they are to die.
Unemployment Cover Unemployment is a possibility in most walks of life and whilst many will be able to find new employment easily Unemployment Insurance can provide peace of mind.
Do You Need Help?
We would recommend you use our advice process. This will ensure that you review all the options before deciding what fits your budget and needs.
We would recommend you use our advice process. This will ensure that you review all the options before deciding what fits your budget and needs.
Life Insurance News
Diabetes cases doubled in past ten years
A new health survey for England has revealed that the amount of people diagnosed with diabetes in the UK has doubled over the past ten years.
The survey has also revealed that almost a third of men and 28 per cent of women suffer from high blood pressure but the condition is much more common in people over the age of 65.
"People with lower incomes also have worse health, with more people reporting heart disease or stroke, and having diabetes or untreated high blood pressure," said Dr Jennifer Mindell of University College London.
According to the survey, one in seven adults have some form of cardiovascular disease. Death rates from cardiovascular disease have been falling despite the amount of people over 75 with heart related illnesses increasing.
In related news, a separate study has revealed that women with a large bra size or more likely to develop diabetes than women with a smaller bra size.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online
The benefits of income protection
Income protection insurance encourages ill employees to return to work, according to one specialist.
Discussing the cost to employers of employee absences, financial advisor Matt Haswell recommended group income protection schemes as one way to counter the losses.
Joint research by the Confederation of British Industry (CBI) and insurance provider Axa has shown that the average employee took around seven sick days in 2006, losing UK businesses 175 million working days in total.
Mr Haswell outlined group income protection schemes as an effective provision for the payment of sickness benefit.
The insurance expert highlighted that the cover offers a regular payment of a proportion of an employee's earnings during a period of extended absence through sickness, injury or accident.
Pointing out that most income protection schemes are written with an unlimited claim period, he said shortening this period to five years would reduce the costs of a scheme while still providing sufficient cover.
Once an insurer has accepted a claim, employees usually remain on their company's payroll, continuing to benefit from life insurance and pensions and retaining their entitlement to state benefits.
Mr Haswell concluded that the aim of both insurers and employers is to help ill employees return to work.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online.
Life insurance boost for HSBC customers
A joint venture between HSBC and Norwich Union will lead to improved life insurance for over ten million bank customers.
The two firms have had a 23-year underwriting relationship, but this deal will strengthen those ties and see Norwich Union underwrite and distribute life insurance and income protection products, as well as the rest of its general insurance portfolio, to HSBC's 10.2 million customers.
Simon Machell, chief executive of Norwich Union, said that the partnership was likely to be mutually beneficial to both customers and the firms involved, with one-fifth of all consumer expenditure in the UK spent on insurance.
"I am excited that we are continuing to grow our relationship with HSBC. A closer association with HSBC will be excellent news for Norwich Union and its staff and further strengthens our position as the insurance partner of choice for today's leading brands," he said.
Dyfrig John, chief executive officer of HSBC was also enthused about the move, commenting: "We believe that combining HSBC's distribution network and Norwich Union's underwriting and customer management capabilities will create one of the best general insurance services the market has to offer."
A new health survey for England has revealed that the amount of people diagnosed with diabetes in the UK has doubled over the past ten years.
The survey has also revealed that almost a third of men and 28 per cent of women suffer from high blood pressure but the condition is much more common in people over the age of 65.
"People with lower incomes also have worse health, with more people reporting heart disease or stroke, and having diabetes or untreated high blood pressure," said Dr Jennifer Mindell of University College London.
According to the survey, one in seven adults have some form of cardiovascular disease. Death rates from cardiovascular disease have been falling despite the amount of people over 75 with heart related illnesses increasing.
In related news, a separate study has revealed that women with a large bra size or more likely to develop diabetes than women with a smaller bra size.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online
Income protection insurance encourages ill employees to return to work, according to one specialist.
Discussing the cost to employers of employee absences, financial advisor Matt Haswell recommended group income protection schemes as one way to counter the losses.
Joint research by the Confederation of British Industry (CBI) and insurance provider Axa has shown that the average employee took around seven sick days in 2006, losing UK businesses 175 million working days in total.
Mr Haswell outlined group income protection schemes as an effective provision for the payment of sickness benefit.
The insurance expert highlighted that the cover offers a regular payment of a proportion of an employee's earnings during a period of extended absence through sickness, injury or accident.
Pointing out that most income protection schemes are written with an unlimited claim period, he said shortening this period to five years would reduce the costs of a scheme while still providing sufficient cover.
Once an insurer has accepted a claim, employees usually remain on their company's payroll, continuing to benefit from life insurance and pensions and retaining their entitlement to state benefits.
Mr Haswell concluded that the aim of both insurers and employers is to help ill employees return to work.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online.
A joint venture between HSBC and Norwich Union will lead to improved life insurance for over ten million bank customers.
The two firms have had a 23-year underwriting relationship, but this deal will strengthen those ties and see Norwich Union underwrite and distribute life insurance and income protection products, as well as the rest of its general insurance portfolio, to HSBC's 10.2 million customers.
Simon Machell, chief executive of Norwich Union, said that the partnership was likely to be mutually beneficial to both customers and the firms involved, with one-fifth of all consumer expenditure in the UK spent on insurance.
"I am excited that we are continuing to grow our relationship with HSBC. A closer association with HSBC will be excellent news for Norwich Union and its staff and further strengthens our position as the insurance partner of choice for today's leading brands," he said.
Dyfrig John, chief executive officer of HSBC was also enthused about the move, commenting: "We believe that combining HSBC's distribution network and Norwich Union's underwriting and customer management capabilities will create one of the best general insurance services the market has to offer."