Welcome, how can we help?
Policy Types
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
Trial targets 'Archilles' heel' in cancer
A study is being carried out by Cancer Research UK scientists at Newcastle University in an attempt to trial a new drug for treating cancers.
The group claims that the drug targets the "Archilles' heel' in certain hereditary cancers, which could have implications for those considering life insurance.
Women who have developed advanced forms of breast or ovarian cancers demonstrating faults in the cancer susceptibility genes BRCA1 and BRCA2 are to be given a new drug that eliminates the DNA repair function of cancer cells.
Dr Ruth Plummer of Cancer Research UK and chief investigator of the trial said that people with faults in BRCA1 or BRCA2 have a much higher chance of developing cancer.
"Currently women with hereditary forms of breast and ovarian cancer are treated in the same way as every other woman who develops the disease," she explained.
It is hoped that the new drug will see the development of a more "targeted" treatment, the expert added.
A survey published by the organisation this week revealed that 16 per cent of the 4,150 knew that breast, cervical and bowel were the cancers that the NHS screens for.
It said that more needed to be done to raise wareness of the screening process.
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
Link between obesity and dementia
New research has revealed a connection between a dangerously high Body Mass Index and the chance of contracting Alzheimer's disease and other forms of dementia.
The Alzheimer's Society findings showed that a clinically obese 60-year-old would be twice as likely to develop dementia before the age of 75 than a 60-year-old of more healthy proportions.
With obesity growing at a worrying rate in the UK - especially among children - the charity has called for urgent action.
Neil Hunt, Alzheimer's Society chief executive, said: "Evidence has shown that a healthy lifestyle can reduce your risk…we must start to tackle dementia head on, even delaying dementia by five years will halve the number of deaths in the UK."
His comments were echoed by Professor Clive Ballard, director of research at the charity, who stressed that "it's time to act now to slow the rising tide of dementia".
Professor Ballard continued: "We are only beginning to see how much a healthy lifestyle can reduce your risk of dementia. Some studies show that obesity can double your risk, while a Mediterranean diet can lower your risk by as much as 40 per cent."
Some 700,000 UK residents currently suffer from dementia, a figure expected to double in the next 50 years.
More research into deafness would 'significantly improve' lives
More research funding into hearing disorders would have a significant impact on people's lives, a leading medical journal has claimed.
In a development which could prove promising for people seeking life insurance or critical illness cover for deafness, the Lancet pointed out that funding towards deafness in the UK is about one-thousandth of the estimated lost productivity from hearing impairment.
Recent research found that 12 per cent of adults aged 55 to 74 had substantially impaired hearing, which had been present for a decade on average.
"Yet only three per cent used a hearing aid, suggesting widespread unmet need," observed the Lancet editorial.
Adding that the number of people with a hearing impairment could increase in parallel with ageing populations worldwide to 700 million by 2015, the medical journal indicated that more extensive research could reduce productivity losses relating to hearing problems.
Each year such losses cost the UK about £13.5 billion, whereas just £16.5 million is invested annually.
"Hearing aids can help relieve symptoms, but further interventions are needed to prevent, delay or reverse hearing damage," the editorial concluded.
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 study is being carried out by Cancer Research UK scientists at Newcastle University in an attempt to trial a new drug for treating cancers.
The group claims that the drug targets the "Archilles' heel' in certain hereditary cancers, which could have implications for those considering life insurance.
Women who have developed advanced forms of breast or ovarian cancers demonstrating faults in the cancer susceptibility genes BRCA1 and BRCA2 are to be given a new drug that eliminates the DNA repair function of cancer cells.
Dr Ruth Plummer of Cancer Research UK and chief investigator of the trial said that people with faults in BRCA1 or BRCA2 have a much higher chance of developing cancer.
"Currently women with hereditary forms of breast and ovarian cancer are treated in the same way as every other woman who develops the disease," she explained.
It is hoped that the new drug will see the development of a more "targeted" treatment, the expert added.
A survey published by the organisation this week revealed that 16 per cent of the 4,150 knew that breast, cervical and bowel were the cancers that the NHS screens for.
It said that more needed to be done to raise wareness of the screening process.
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
New research has revealed a connection between a dangerously high Body Mass Index and the chance of contracting Alzheimer's disease and other forms of dementia.
The Alzheimer's Society findings showed that a clinically obese 60-year-old would be twice as likely to develop dementia before the age of 75 than a 60-year-old of more healthy proportions.
With obesity growing at a worrying rate in the UK - especially among children - the charity has called for urgent action.
Neil Hunt, Alzheimer's Society chief executive, said: "Evidence has shown that a healthy lifestyle can reduce your risk…we must start to tackle dementia head on, even delaying dementia by five years will halve the number of deaths in the UK."
His comments were echoed by Professor Clive Ballard, director of research at the charity, who stressed that "it's time to act now to slow the rising tide of dementia".
Professor Ballard continued: "We are only beginning to see how much a healthy lifestyle can reduce your risk of dementia. Some studies show that obesity can double your risk, while a Mediterranean diet can lower your risk by as much as 40 per cent."
Some 700,000 UK residents currently suffer from dementia, a figure expected to double in the next 50 years.
More research funding into hearing disorders would have a significant impact on people's lives, a leading medical journal has claimed.
In a development which could prove promising for people seeking life insurance or critical illness cover for deafness, the Lancet pointed out that funding towards deafness in the UK is about one-thousandth of the estimated lost productivity from hearing impairment.
Recent research found that 12 per cent of adults aged 55 to 74 had substantially impaired hearing, which had been present for a decade on average.
"Yet only three per cent used a hearing aid, suggesting widespread unmet need," observed the Lancet editorial.
Adding that the number of people with a hearing impairment could increase in parallel with ageing populations worldwide to 700 million by 2015, the medical journal indicated that more extensive research could reduce productivity losses relating to hearing problems.
Each year such losses cost the UK about £13.5 billion, whereas just £16.5 million is invested annually.
"Hearing aids can help relieve symptoms, but further interventions are needed to prevent, delay or reverse hearing damage," the editorial concluded.
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