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/.
10 April 2007 16:05:25
A test seeking the ESR1 gene is set to help fight breast cancer, a study shows.
The test will ascertain whether individual breast cancer sufferers may benefit from oestrogen-blocking drugs.
The Nature Genetics research found that women with extra copies of the gene, which carries DNA code for an oestrogen receptor, were more likely to benefit from oestrogen-blocking drug tamoxifen.
Over 80 per cent of Britain's annual 31,000 post-menopausal cases of breast cancer are caused by oestrogen.
The study analysed 2,000 cases of breast cancer samples and found extra copies of ESR1 gene in a fifth of cases.
Dr Emma Pennery of Breast Cancer Care said: "This research adds to our growing knowledge about the complexity of breast cancer, including the many variations of how breast cancer cells originate and what stimulates them to grow.
"Our increasing understanding means treatments can be increasingly tailored to the individual, helping to ensure people with oestrogen-receptor positive breast cancer benefit from improved outcomes", she added.
Tamoxifen was invented by ICI Pharmaceuticals (now AstraZeneca) and is sold under the brand names Nolvadex, Istubal, and Valodex.
20 August 2007 16:46:04
Chinese men with a history of high alcohol consumption should ensure that they have adequate life insurance and critical illness cover, new research has revealed.
According to study carried out at the Tulane University School of Public Health and Tropical Medicine, heavy drinking can increase the risk of stroke among Chinese men.
Relative stroke risk was found to be 0.92 for those who consumed between one and six drinks a week, 1.02 for those drinking between one and 20 times per week and 1.22 for consumers of 21 or more drinks each week.
"Alcohol consumption was significantly related to increased stroke incidence and mortality," the report published in the Annals of Neurology medical journal reads.
"At the top level of alcohol consumption (at least 35 drinks per week), risk of stroke incidence was 22 per cent higher and risk of mortality was 30 per cent higher than among nondrinkers."
It added: "Our findings are likely to be applicable to men of other ethnicities because they are based on proven physiological mechanisms.
"Preventing heavy alcohol consumption (more than 21 drinks per week) among men may be one element of multi-faceted public health strategies to reduce stroke burden in the world."
18 October 2007 14:52:22
Short people may want to have another look at critical illness cover as research has revealed that they are more likely to claim poor health.
Compared to tall people, the diminutive section of the population appear to be worse off both mentally and physically, according to a study of 14,000 adults in England.
Furthermore the Clinical Endocrinology journal reported that the shorter the individual, the more pronounced the finding.
Respondents had their height measured after filling out a health-related quality of life questionnaire on five areas including mobility, anxiety or depressive symptoms and any pain or discomfort they normally experienced.
It was revealed that those in the shortest categories considered themselves to have lower quality of life than their taller counterparts.
"Although our study does not show that short height directly causes a reduction in physical and mental health, it does indicate that short people are more likely to feel that they experience a lower health-related quality of life," commented senior health economist Torsten Christensen, who led the research at Novo Nordisk A/S in Denmark.
The study predicted that shorter people could increase their quality of life by 6.1 per cent if their height was increased by 7cm for men and 6cm for women.
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
