Regulatory Disclosure Wording
The Financial Services Authority is the independent watchdog that regulates financial services in the UK .
Direct Life & Pension Services is authorised and regulated by the Financial Services Authority. Our FSA number is 155312.
Direct Life & Pension Services Limited's permitted business is advising on and arranging regulated mortgages and non-investment insurance contracts.
You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
What to do if you have a complaint
If you wish to register a complaint, please contact us:
Write to: Direct Life & Pension Services Limited, Metro House, Northgate, CHICHESTER, West Sussex , PO19 1BE
Or telephone: 01243 817900
Or email: complaints@directlife.co.uk
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without upper limit.
Further information about compensation scheme arrangements is available from the FSCS, http://www.fscs.org.uk/.
12 February 2008 15:57:38
Research conducted in the US suggests that it is never too late to make a difference to one's odds of living longer - which may affect the terms of life insurance policies.
A study conducted by researchers in Boston revealed that if men lead a healthy lifestyle during early elderly years there is a greater chance of them living to the age of 90 or above.
While research on twins has shown that genes play a part in how long a person lives, nearly three-quarters of the odds of living to the age of 90, are the result of "modifiable factors", or things we can change.
Health data such as height, blood pressure, weight, frequency of exercise, and cholesterol levels were examined from the records of 2,357 men.
Ellen Mason, cardiac nurse at the British Heart Foundation, said: "It just goes to show, it is never too late to give up smoking and being more active in order to get fit and lose weight."
The study is available in the February 11th issue of Archives of International Medicine.
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
18 December 2007 10:47:48
Individuals exploring their life insurance or critical illness cover options could have their genes to thank for the outcome.
Researchers based at Cancer Research UK's London institute have identified two common variations in people's genes which potentially triple the risk of bowel cancer.
Following on from their findings, published in the journal Nature Genetics, the scientists believe that up to a third of all bowel cancer cases may be associated with the genetic variants.
Professor Ian Tomlinson, joint lead researcher, said his team was "delighted" that they had made the discovery.
"Increasing our understanding of genes like this may make it possible for scientists to eventually develop ways of stopping many people at increased risk of bowel cancer from developing the disease altogether," he explained.
Professor Tomlinson pointed out that although the increased risk of bowel cancer when the two genes are present is small, if both of these and two other high-risk genetic variants are present then a person can have a two to three-fold increased risk of the disease.
Representatives for Cancer Research UK remarked that such discoveries improve their understanding of cancer and help develop targeted screening and treatment for people at increased risk of the disease.
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
20 November 2007 12:31:24
Critical illness
or life insurance customers living with HIV or Aids may be interested in a new United Nations (UN) report showing a fall in the number of people believed to be infected.
According to data from the UN Aids agency, there are 33.2 million and not 39.5 million people across the world currently living with the disease.
New criteria and a change in sampling techniques led to the conclusion that previous estimates were exaggerated.
UN Aids executive director Dr Peter Piot attributed the new figures to improved treatment and changes in the patterns of sexual behaviour among people.
"These improved data present us with a clear picture of the Aids epidemic," he noted.
"Unquestionably, we are beginning to see a return on investment," Dr Piot added, referring to measures designed to combat the spread of Aids.
The Aids specialist called for greater efforts to curb the spread of the disease, which can be transmitted through unprotected sex and infected needles.
Cara, a community of friendship for individuals living with HIV and Aids, today confirmed its involvement in events to mark this year's World Aids Day in London on December 1st.
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
