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Direct Life & Pension Services Ltd.
Metro House,
Northgate,
Chichester,
West Sussex,
PO19 1BE
Office Hours: Monday – Friday 8am to 9pm , Saturday 9.30am to 3pm , Sunday closed.
Telephone: 0800 980 9801
Email: sales@directlife.co.uk
Existing Clients:
Life Administration,
Direct Life & Pension Services Ltd.
Metro House,
Northgate,
Chichester,
West Sussex,
PO19 1BE
Office Hours: Monday – Friday 8am to 5:30pm , Saturday and Sunday closed.
Telephone: 01243 817900
e-mail: rob.quayle@directlife.co.uk
e-mail: completedadmin@directlife.co.uk
Sales and Marketing:
e-mail: jan.sadler@directlife.co.uk
Jan Sadler,
Direct Life & Pension Services Ltd.
Metro House,
Northgate,
Chichester,
West Sussex,
PO19 1BE
Telephone: 01243 817910
It may also help your understanding of Direct Life to visit our corporate website www.directlifecorporate.co.uk
NEWS
UK life insurance 'cheaper' as people live longer
13 December 2007 13:27:36
Cheap life cover is easier to come by in the UK as critical illness treatments improve and individuals live longer.
That is the view of one set of independent financial advisers, who pointed out that insurance providers "are not expecting people to die".
A spokesperson for Libra Financial Planning observed: "The impact of medical improvements is quite significant on our population and that's why people are living longer…healthier lifestyles, those sorts of things. And this does have an impact of life assurance."
The financial specialist continued: "Life insurance companies aren't expecting people to die - they're more likely to have a critical illness like cancer or heart disease."
Recent figures released by the Financial Services Authority revealed that life expectancy for British men will be 81 by 2031, while the average woman will live until the age of 85.
Libra's representative concluded that the UK's life insurance market has been the largest in Europe and the third largest in the world because it is "very competitive" with a varied and sophisticated range of products.
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
Income protection tips from the top
12 October 2007 11:17:41
Consumers cannot afford not to purchase an income protection plan, an expert has claimed.
"By purchasing income protection you can protect yourself from losing your income if you ever become injured, sick or disabled. It can even protect you if you become unemployed," explained personal finance publisher Ken Charmley.
Pointing out that getting income protection involves simply picking up the phone or going online, Mr Charmley emphasised the peace of mind offered by cover that will protect you and your family "should the unfortunate happen".
"A private income protection plan is designed to replace your income if you happen to become unable to work," commented the insurance specialist, who has personal experience of "the unfortunate" occurring.
"Five years ago I had it all: a new house that was newly mortgaged, a new car that was newly financed, a fantastic job and my wife and children were all healthy and happy," said Mr Charmley.
"Then I got sick and for the first time in my life I briefly believed that I had significant financial issues to worry about.
"Since I was the breadwinner of the family my thoughts reeled; who was going to pay the monthly bills, the mortgage, the car payment and the credit card bills?"
In this instance, the finance expert had an income protection plan that he had forgotten about because, he admitted, he never had to rely on it before: "I was certainly glad that I had it in place and could rely on it in our time of need.
"I could use the income from my income protection plan to take care of all of our financial needs until I got back on my feet: what a relief."
An income protection policy pays a tax-free income once a month until an individual has recovered, doing so up until retirement if necessary.
"You can also designate your payout to either be level or rise with inflation," confirmed Ken Charmley.
Bosses sometimes provide this type of coverage as part of an employment package, with the maximum amount allowed standing generally at half an individual's gross income.
Because the cover is paid tax-free, a similar amount of take-home pay can be expected. Mr Charmley is one of many financial advisers to recommend income protection insurance "for everyone".
"Becoming sick or having a disabling accident is not a matter of if; it is a matter of when. No one walks around with a guarantee to remain completely healthy and no one has a crystal ball that will predict when an accident will occur," he pointed out.
"Be prepared and keep your family financially protected. I'm sure happy I did."
Health insurance specialist BUPA has pointed out that there will be more need for income protection insurance as a result of new welfare reform rules coming into effect next year.
State benefits are expected to become lower and more difficult to obtain, with some new claimants no longer qualifying.
Meanwhile other individuals may find benefits lower than they are for existing claimants in similar circumstances.
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
Cervical cancer programme called into question
20 June 2008 17:45:16
A vaccination programme to help prevent schoolgirls from developing cervical cancer has been attacked by campaigners who say the drug chosen is a "cheap option" and not as effective.
Although Cervarix, protects patients against two strains of a virus which cause 70 per cent of cases, a rival medication was found to protect against four strains of the virus.
It is hoped that the vaccination programme will save up to 400 lives a year and has been described by health minister Dawn Primarolo as an "exciting opportunity".
Some charities believe, however, that by not using Gardasil - a more expensive drug that also protects against strains of the virus that can cause genital warts - the government has been "short-sighted".
The Department of Health argued that: "The contract has been awarded for the vaccine that scored best overall against a number of pre-agreed criteria and offers best overall value to the NHS.
A spokesperson continued: "The vaccination programme has always been about cervical cancer protection, irrespective of which vaccine was chosen. We chose the vaccine that best met this need."
13 December 2007 13:27:36
Cheap life cover is easier to come by in the UK as critical illness treatments improve and individuals live longer.
That is the view of one set of independent financial advisers, who pointed out that insurance providers "are not expecting people to die".
A spokesperson for Libra Financial Planning observed: "The impact of medical improvements is quite significant on our population and that's why people are living longer…healthier lifestyles, those sorts of things. And this does have an impact of life assurance."
The financial specialist continued: "Life insurance companies aren't expecting people to die - they're more likely to have a critical illness like cancer or heart disease."
Recent figures released by the Financial Services Authority revealed that life expectancy for British men will be 81 by 2031, while the average woman will live until the age of 85.
Libra's representative concluded that the UK's life insurance market has been the largest in Europe and the third largest in the world because it is "very competitive" with a varied and sophisticated range of products.
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
12 October 2007 11:17:41
Consumers cannot afford not to purchase an income protection plan, an expert has claimed.
"By purchasing income protection you can protect yourself from losing your income if you ever become injured, sick or disabled. It can even protect you if you become unemployed," explained personal finance publisher Ken Charmley.
Pointing out that getting income protection involves simply picking up the phone or going online, Mr Charmley emphasised the peace of mind offered by cover that will protect you and your family "should the unfortunate happen".
"A private income protection plan is designed to replace your income if you happen to become unable to work," commented the insurance specialist, who has personal experience of "the unfortunate" occurring.
"Five years ago I had it all: a new house that was newly mortgaged, a new car that was newly financed, a fantastic job and my wife and children were all healthy and happy," said Mr Charmley.
"Then I got sick and for the first time in my life I briefly believed that I had significant financial issues to worry about.
"Since I was the breadwinner of the family my thoughts reeled; who was going to pay the monthly bills, the mortgage, the car payment and the credit card bills?"
In this instance, the finance expert had an income protection plan that he had forgotten about because, he admitted, he never had to rely on it before: "I was certainly glad that I had it in place and could rely on it in our time of need.
"I could use the income from my income protection plan to take care of all of our financial needs until I got back on my feet: what a relief."
An income protection policy pays a tax-free income once a month until an individual has recovered, doing so up until retirement if necessary.
"You can also designate your payout to either be level or rise with inflation," confirmed Ken Charmley.
Bosses sometimes provide this type of coverage as part of an employment package, with the maximum amount allowed standing generally at half an individual's gross income.
Because the cover is paid tax-free, a similar amount of take-home pay can be expected. Mr Charmley is one of many financial advisers to recommend income protection insurance "for everyone".
"Becoming sick or having a disabling accident is not a matter of if; it is a matter of when. No one walks around with a guarantee to remain completely healthy and no one has a crystal ball that will predict when an accident will occur," he pointed out.
"Be prepared and keep your family financially protected. I'm sure happy I did."
Health insurance specialist BUPA has pointed out that there will be more need for income protection insurance as a result of new welfare reform rules coming into effect next year.
State benefits are expected to become lower and more difficult to obtain, with some new claimants no longer qualifying.
Meanwhile other individuals may find benefits lower than they are for existing claimants in similar circumstances.
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
20 June 2008 17:45:16
A vaccination programme to help prevent schoolgirls from developing cervical cancer has been attacked by campaigners who say the drug chosen is a "cheap option" and not as effective.
Although Cervarix, protects patients against two strains of a virus which cause 70 per cent of cases, a rival medication was found to protect against four strains of the virus.
It is hoped that the vaccination programme will save up to 400 lives a year and has been described by health minister Dawn Primarolo as an "exciting opportunity".
Some charities believe, however, that by not using Gardasil - a more expensive drug that also protects against strains of the virus that can cause genital warts - the government has been "short-sighted".
The Department of Health argued that: "The contract has been awarded for the vaccine that scored best overall against a number of pre-agreed criteria and offers best overall value to the NHS.
A spokesperson continued: "The vaccination programme has always been about cervical cancer protection, irrespective of which vaccine was chosen. We chose the vaccine that best met this need."