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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
11 December 2007 10:53:36
Life insurance fraud is relatively rare in the UK, it has been claimed.
In the wake of the ongoing "canoe-man" story, the Association of British Insurers pointed out that providers have a number of checks in place to minimise deception.
Referring to the case of Anne and John Darwin, spokesman Jonathan French confirmed: "It is safe to say that it is a very unusual set of circumstances."
"Life insurance companies have a number of checks and balances in place to minimise fraud and there are very low levels of fraud in the life insurance arena."
According to the ABI's research, 40 per cent of UK households have life cover and in 2006, the insurance industry paid out £17 million per day in death benefits.
Highlighting the example of natural disasters when a deceased individual's body may not be recovered, Mr French added: "Insurance companies will carry out careful checks, where it is appropriate, to make sure fraudulent activity does not slip through the net."
Recent figures from the ABI revealed that one in three Britons have no life insurance at all, with another one in three neglecting to renew their life cover for five years.
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
01 April 2008 17:37:10
Anti-psychotic drugs given to Alzheimer's sufferers can exacerbate their condition, a study has claimed.
The Alzheimer's Society estimates that in the UK there are around 700,000 people affected by dementia, a condition which can affect life insurance policies.
Researchers from the universities of Oxford and Newcastle and Kings College London found that while neuroleptics offered no long-term benefits to patients with mild symptoms of disturbed behaviour, they were associated with deterioration in their verbal abilities.
Researchers studied 165 patients with advanced Alzheimer's disease living in nursing homes.
The BBC reports that around 60 per cent of Alzheimer's sufferers in care homes are given anti-psychotics to control their behaviour.
Patrick Holford, director of the Brain Bio Centre, said: "Giving dementia patients anti-psychotic drugs is all about tranquillising - the equivalent of a chemical straight jacket and does nothing to address the underlying causes and, as this study shows, often makes matters worse."
Neil Hunt, from the Alzheimer's Society, said the widespread over prescription of anti-psychotic drugs to people with dementia must stop.
The study is published in the journal Public Library of Science Medicine.
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
23 June 2008 17:27:02
The number of children being admitted to hospital for emergency care as a result of complications from diabetes has risen, the latest figures show.
Diabetic ketoacidosis is a potentially coma-inducing complication from diabetes. The BBC reported that hospitals in the UK saw 3,317 patients admitted with the condition last year, compared to just 2,617 in 2002.
If left unchecked, the symptoms can worsen and "eventually lead to coma and death".
Douglas Smallwood, chief executive of Diabetes UK, said: "The number of children being rushed to A&E with such a life-threatening complication is shocking."
Mr Smallwood suggested that parents needed to be given better educated so that they could spot the signs of the condition sooner.
He continued: "With increased awareness and more investment, the number could be dramatically reduced."
There are three main forms of diabetes meelitus as recognized by the World Health Organisation (WHO): type 1, type 2, and gestational diabetes (occurring during pregnancy).
