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News – Insurance related news from Direct Life & Pension Services
Critical Illness
Life Insurance (Mortgages)
Income Protection
Companies
Unemployment Cover
Direct Life & Pension Services Ltd. - Compare the UK ’s market leading insurance companies in seconds on screen to bring you the very best deal.
Get a Quote – Life Insurance quote from Direct life & Pension Services Ltd. What type of quote would you like?
Family Life Insurance
Mortgage Life Insurance
Critical Illness Cover
Income Protection
Unemployment Cover
Different types of life insurance - There are many different ways of describing the different types of companies which provide life insurance and life assurance policies.
FAQ's - Frequently Asked Questions on Life Insurance and Term Life Assurance Policies by Direct Life
Life insurance companies - Click below to learn more about the insurance companies we can use.
AEGON Scottish Equitable
AXA Sun Life
Bright Grey
Friends Provident
Legal & General
Liverpool VictoriaNorwich Union
Prudential
Royal Liver Assurance
Scottish Provident
Scottish Widows
Standard Life
Life Insurance or Life Assurance? - Life Insurance and Life Assurance policies originally offered quite different benefits, however in common usage today they have come to mean much the same thing.
Who can I buy life insurance from? - Most life insurance and life assurance policies today are sold by intermediaries (often called brokers) which can be businesses set up to specialise in insurance, banks or building societies or traditional retailers who are simply trying to find new ways of making money from their customers
Critical illness cover - The aim is to provide a guaranteed lump sum (or income if provided within a Family Income Benefit policy) if the life assured, during the period of cover, is diagnosed as having one of a number of specified critical illnesses covered by the policy. Click below to learn more about each Critical Illness that is usually covered.
Alzheimer’s disease
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assaultHIV or AIDS from blood transfusion
HIV or AIDS from occupational duties or accident
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ transplant
Motor Neurone disease
Multiple Sclerosis
Paralysis - Paraplegia
Parkinson’s disease
Stroke
Third degree burns
Total permanent disability to age 65
Family income benefits life insurance - Family Income Benefit Life Insurance is a Term Life Insurance product that, as the name suggests, is designed to provide an income to dependants in the event of a claim, rather than a cash lump sum.
Income protection insurance - Income Protection Insurance is designed to replace lost income during periods of illness.
Level term life insurance - Level Term Life Insurance is designed to provide an amount of lump sum life insurance where the amount that would be paid out on death (or critical illness) stays the same during the policy term.
Mortgage protection life insurance - Mortgage Protection Life Insurance is designed to repay the outstanding balance of a repayment mortgage in the event of death (or earlier critical illness).
Payment protection and ASU - Payment Protection Insurance and ASU generally only pay benefits for a fixed term of usually 12 months or 24 months.
Terminal illness cover - This cover does not usually apply during the last 12 to 18 months of the period of cover.
Total permanent disability - When a Critical Illness Cover or Life Insurance (Assurance) with Critical Illness Cover plan is arranged, this will usually include Total Permanent Disability cover also.
Unemployment insurance - Unemployment insurance, as the name suggests is an insurance that pays the claimant if they get made redundant.
Waiver of premium - Waiver of Premium costs are typically around 2.5% to 3.5% of the premium to be covered, and are dependent upon the life assured’s occupation.
Children’s critical illness cover - Most critical illness plans include a provision to pay out some benefits if the life assured’s natural, legally adopted (and sometimes step) children are diagnosed with a critical illness.
Legal principles of life insurance - Life assurance is subject to the general principles of English law but also has some of its own special laws. Click below to learn more about the legal principles under the headings.
Offer and Acceptance
Consideration
Capacity to Contract
Legality of Object
Consensus of Ad Idem
Duty of Disclosure
Proof of Death
Suicide Clause
Unlawful Acts
Simultaneous Deaths on Joint Life Insurance PlansDying Without a Will in England
Dying Without a Will in Scotland
Dying Without a Will in Northern Ireland
Your Will Can Be Changed After You Die
Trusts
Access to Medical Reports Act 1988
Inheritance Tax (IHT)
Will Jargon is Explained
Living outside the UK - If you move away to live outside the UK this could affect the cover and premiums. You should check the policy terms and conditions carefully if you could be affected by this provision.
Reviewable vs. Guaranteed premiums - Guaranteed premiums are almost always more expensive than reviewable plans initially as the guarantee has to be paid for at outset by the plan holder.
Who regulates us? - 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.
Will I get a critical illness? - Well if you’re currently fit and healthy it’s impossible to tell if you will be diagnosed with a critical illness.
Useful Resources - Life insurance, home insurance, health insurance, auto insurance related resources from Direct Life & Pension Services Ltd.
Life Insurance Quotation and Advice:
Customer Services,
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 817905
It may also help your understanding of Direct Life to visit our corporate website www.directlifecorporate.co.uk
08 May 2008 15:50:22
People whose life insurance policies are affected by their weight may be interested in the news that scientists have managed to reduce appetite by blocking an enzyme in the brain.
The team from the Duke University Medical Centre believes their research - which was undertaken on mice - is a key step in developing a drug to control appetite, weight loss and blood sugar.
During the study, food intake by the mice was measured after the enzyme CaMKK2 - which works as part of the "appetite stimulation pathway" - had been blocked.
Mice that had CaMKK2 blocked ate significantly less food than untreated mice and lost body weight during the six days they were studied.
"Remarkably, we find that blocking CaMKK2 in the brain prevents the deposits of fat in liver and skeletal muscle that are characteristic of obese, diabetic patients," said Dr Tony Means who led the research.
"We find this very exciting and are trying to understand the mechanism responsible for this protective effect, as well as to identify more potent drugs to inhibit CaMKK2," he added.
The research is published in the journal Cell Metabolism.
04 May 2007 15:35:51
Recovery from a stroke is helped by a 'backup' system within the brain, according to new research.
Oxford University researchers discovered that when neurological activity is disrupted – as happens with a stroke – the undamaged area of the brain increases its own activity, to fulfil a rescue function.
When the left dorsal premotor cortex (PMd) section of the brain - responsible for movement – is damaged during stroke, activity within the right-hemisphere PMd is known to increase.
However, the study showed that the compensatory increase in activity by the intact hemisphere was specific to the type of function lost.
When the left-hemisphere PMd was blasted with a magnetic pulse during the experiment, performance in a button-pushing task was disrupted, but only for a short while.
Functional magnetic resonance imaging (fMRI) showed that while the left hemisphere attempted recovery, the right hemisphere increased its activity to suit the task.
The findings, published in medical journal Neuron reported that "when a key node in an information-processing circuit is impaired, healthy cortical networks can flexibly reconfigure processing in a way that is rapid, functionally-specific and preserves behaviour".
01 May 2007 12:46:38
Standard Life has reported a significant fall in the amount of critical illness claims it declined in 2006.
While 18 per cent of critical illness claims were rejected in 2005, the insurer has said that clearer definitions of the diseases covered have led to a decrease in the amount of rebuffed claims, with only 7.5 per cent declined in 2006.
Mick James, protection marketing manager at Standard Life, stated that the stigma traditionally surrounding critical illness claims – that the insurers were generally reluctant to pay out – was unwarranted, given his firm's 90 per cent remuneration rate in 2006.
"Our work to improve the questions being asked on application form and the additional warnings highlighting the need for full disclosure by customers is starting to reap benefits in fewer claims being declined," he added.
The figures showed cancer as the most frequent critical illness claim, causing six out of every ten claims.
During a recent appearance on BBC programme Watchdog, Walter Merricks of the Financial Ombudsman Service reported that on average, one in every five critical illness claims is declined
