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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: richard.verdin@directlife.co.uk
Richard Verdin,
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
03 July 2008 17:55:57
An outbreak of the bug Clostridium Difficile has led to a record number of pensioners in Scotland contracting the virus which could effect UK life insurance for those that have C Diff.
Figures showed that there were 1861 cases of C Diff among the over 65s between January and March of this year - a 14 per cent increase from a similar time period in 2007.
These figures are released following an outbreak at Vale of Leven Hospital in west Dunbartonshire, where nine people were killed and a further 50 were infected with the C Diff bug.
Health Secretary, Nicola Sturgeon, said that she had asked health boards to ensure systems for tackling hospital infections are being followed.
She said: "Scotland has one of the most comprehensive sets of policies and procedures to manage healthcare associated infection (HAI) in Europe.
"However, recent events at the Vale of Leven show how vital it is for boards to ensure that these policies and procedures are applied to a high standard."
Normal fatality rates for people that contract C Diff are at 7 per cent, however at Vale Leven this increased to 30 per cent - when taking into account the further 16 deaths directly linked to the outbreak.
Contracting a superbug may well effect patients life insurance policies.
03 July 2008 17:48:03
A government fertility watchdog has given the go-ahead for stem cell research that will be used to study fatal heart diseases.
Warwick Medical School researchers will use part-human and part-animal embryos for the first time to carry out their study which could eventually have an effect on the cost of life insurance policies for patients with heart disease.
The team plans to create embryos that are 99.9 per cent human DNA and 0.1 per cent pig DNA and stem cells extracted from the embryos will be grown into human heart cells.
Chemicals will be used to destroy the pig DNA before the researchers grow the human heart cells.
Justin St John, heading up the research team, explained what they hope to achieve from the process: "Ultimately they will help us understand where some of the problems associated with these diseases arise, and they could also provide models for the pharmaceutical industry to test new drugs."
Licenses have been granted to two other British teams that are hoping to create hybrid embryos but neither planned to extract animal DNA from the stem cells first.
Conditions such as heart disease can often have an impact on the cost of UK life insurance.
02 July 2008 17:03:39
A baby born with half a heart has just two weeks to live unless a donor can be found, doctors have told his parents.
Born with Hypoplastic Left Heart Syndrome, Theo Davies is currently on a life support machine which can only keep him alive for a short period of time, unless he has a transplant.
Talking about her desperation, Theo's mother Rebecca Giles, said: "People say 'Oh, it must be a nightmare for you'. But it's worse than that. I can't think of a worse situation to be in."
She continued: "Our child will die in two weeks unless we can find a heart donor. But to find another heart for Theo means that another child will die."
Theo has already had to endure five major operations since he was born and survived his heart stopping for an hour last week.
Surgeons in the US are about to undertake the first implantation of a Jarvik heart pump which, it is hoped, could help to solve a shortage of donor hearts.
One of the biggest difficulties facing people with heart problems is securing regular life insurance.
