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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
30 October 2007 13:52:05
Income protection or critical illness cover may be among insurance sought by individuals with a tumour.
Now scientists have discovered that such people may be helped by being exposed to UV light.
A technique developed by researchers at Newcastle University "cloaks" antibodies with organic oil activated by UV-A light.
This apparently enables treatment to target specific areas of the body by shining a probe on them.
Writing in the journal ChemMedCem, the scientists claimed the procedure maximises the destruction of tumours while minimising damage to healthy tissue and producing fewer side effects.
"I would describe this development as the equivalent of ultra-specific magic bullets," commented Professor Colin Self.
"This could mean that a patient coming in for treatment of bladder cancer would receive an injection of the cloaked antibodies," he continued.
"She would sit in the waiting room for an hour and then come back in for treatment by light. Just a few minutes of the light therapy directed at the region of the tumour would activate the T-cells causing her body's own immune system to attack the tumour."
Cancer Research UK welcomed the development, pointing out that treatment which attacks cancer cells but leaves healthy tissue unharmed is the "holy grail" of cancer research.
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
30 May 2007 15:44:24
An insurance expert has argued that critical illness cover, rather than life insurance, could be the best option for your family.
A recent report by consumer watchdog Which? said that life insurance or income protection cover could be preferable to critical illness cover, but David Thomson of Best Deal Insurance has called its findings "cynical and hypocritical".
Though Mr Thomson approved of the Which? recommendation that customers read the small print on their policy carefully - around 20 per cent of claims are rejected due to confusion over non-disclosure - he did not agree that critical illness cover was "a luxury product".
"No other policy does what critical illness does. There is no way that critical illness is a luxury and it worries me that comments from such a trusted organisation as Which? could turn people off from buying it, leaving them financially vulnerable at a time when they need it most.
"If our client had just life insurance and income protection as the Which? report suggests that consumers do, then there would be no lump sum payment and no money available for medical treatment. And income protection will pay just half your monthly income."
The Association of British Insurers recently introduced new critical illness cover definitions, with many insurers adding extra cover to their policies to give consumers the best possible protection.
05 June 2007 12:51:18
A leading AIDS and HIV charity has argued that more should be done to redress the stigma associated with the illnesses.
The Terrence Higgins Trust said that due to medical developments, HIV is no long a "death sentence as it was in the 1980s", but that more media effort was needed to stem the tide of negative stigma associated with the disease.
Spokesperson Jackie Redding said that while HIV sufferers living in a big city had a choice to attend specialist centres, those in more remote areas feared being ostracised by their community or family, as the media tended to focus on the most negative aspects of the disease.
"Quite often, when it's reported in the media, it's…linked to somebody allegedly recklessly transmitting HIV and being caught up in the criminal justice system. So once again that really reinforces all the stigma when the reporting is done in a very negative way.
"It's important to challenge the awareness issue and say we need to get HIV more mainstream and talk about it in a generalised way…the more awareness there is then hopefully some of the stigma can be tackled."
Ms Redding added that despite scientific advancements, a solution is a long way off:
"While there are new treatments coming on board, almost on a yearly basis…which offers optimism for people who are quite far down their treatment options, some of the more dramatic stuff, when you're talking about cures, vaccines…they're very much into the future."
