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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
03 April 2007 16:25:00
Critical illnesses linked to cigarettes will continue to be a major problem, notwithstanding the imminent smoking ban in England, according to Action on Smoking and Health (ASH).
The number of smokers in the UK almost halves each year, research suggests, but bodily damage inflicted by the addictive habit continues to plague the NHS, explains Amanda Sandford, spokesperson for the public health charity.
Approximately 114,000 people die each year in the UK alone from smoking-related diseases and tobacco leads to a number of other critical illnesses and health problems that can impair quality of life.
"Even if smoking rates continue to decline at the current rate of just under 50 per cent per annum, there's still going to be the need for people to be given support for a long time to come," Ms Sandford said.
Recent research has suggested that people may be predisposed to smoke by their genetic makeup, explaining why some smokers find it so difficult to kick the habit.
"It seems quite plausible that genetics could play a part," the ASH spokesperson continued.
27 May 2008 18:20:51
Gum disease in smokers and non-smokers could be a warning of increased cancer risk, a new study has suggested.
Scientists from Imperial College London studied the health records of 50,000 men from the US, finding that those with gum disease were at a higher risk of lung, kidney, pancreatic and blood cancer.
Writing in the journal Lancet Oncology, they suggested that both conditions could be caused by a weakness in the immune system. Overall cancer risk was 21 per cent higher for those with a history of gum disease, even if they had never smoked.
In terms of individual cancers, men with a history of gum disease were most likely to suffer from pancreatic cancer (54 per cent), kidney cancer (49 per cent), lung cancer (36 per cent) and white blood cell cancer (30 per cent).
The team, led by Dr Dominique Michaud, concluded: "The increased risks noted for haematological (blood), kidney and pancreatic cancers need confirmation, but suggest that gum disease might be a marker of a susceptible immune system or might directly affect cancer risk."
Recently, a study released by the Archives of Internal Medicine revealed that people with a common genetic mutation, called alpha1-antitrypsin deficiency, are between 70 per cent and 100 per cent more likely to develop lung cancer as a result of tobacco smoke.
04 April 2008 17:34:08
The research by the British Association of Dermatologists also found that despite rates of skin cancer - an illness which may affect life insurance policies - increasing faster than any other forms of the disease, one in eight people do not know it is on the rise at all.
Furthermore, the survey which was conducted to mark the launch of this year's Sun Awareness campaign revealed that one in six people are not aware that a mole can be checked for free by a GP, instead believing this service has to be paid for.
President of the British Association of Dermatologists Dr Colin Holden said: "While it is disheartening that there is little understanding about quite how common skin cancer is, what I find of particular concern is that so many people are unaware of certain signs of skin cancer, and furthermore do not know that they can have a suspicious mole checked free of charge."
This could pose a hinder the early detection of skin cancer in these individuals, he added.
According to Cancer Research UK, around 9,000 cases of melanoma - the most dangerous type of skin cancer - are diagnosed each year in the UK and incidence rates in Britain have quadrupled since the 1970s.
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
