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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 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.
10 January 2008 12:02:14
The possibility of finding cheap life insurance could be improved for obese people as a new drug has been developed to reduce appetite.
Clinical trials carried out on Merck's treatment featured 533 obese patients and indicated that significant weight loss could be achieved at a range of different doses.
According to scientists, individuals taking 12 milligrams of taranabant typically consumed 27 per cent fewer calories than those on a placebo drug, and appeared to use up more energy and burn more fat while resting.
Study author Steven Heymsfield, of Merck Research Laboratories, remarked that the results were "surprising".
"We didn't expect weight loss at all doses," he explained.
He revealed that taranabant works by blocking cannabinoid receptors in the brain which are responsible for the psychological effects of cannabis and help to regulate energy balance.
"The effects of marijuana on appetite have been known for millennia from its medicinal and recreational use - when you block the cannabinoid system with an antagonist like taranabant, you suppress appetite," he concluded.
Overweight individuals are at a disadvantage when it comes to buying life insurance as premium prices are boosted by their increased propensity to heart disease and early death.
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
03 March 2008 17:08:06
Cancer care professionals at Wythenshawe Hospital are urging women to familiarise themselves with the symptoms of ovarian cancer - a condition which can affect life insurance policies - during Ovarian Cancer Awareness Month.
According to gynaecologist Mr Ahmed and specialist nurse Margaret Ryan, being aware of the symptoms is the most important factor in early diagnosis and survival in cases of Ovarian Cancer
Ovarian cancer is the fourth most common cancer affecting women but the single biggest killer.
A major factor in late diagnosis of the disease is the lack of any specific symptoms, meaning it can often be misdiagnosed as other conditions such as irritable bowel syndrome.
Mr Ahmed, Consultant Gynaecologist said: "I would urge all women to take immediate action if they have any of the following symptoms: bloating, difficulty eating, increased abdominal size and increased urinary urgency, particularly if the symptoms are prolonged."
Women should request their GP refers them for an ultrasound scan to identify possible cancers if they have concerns, he added.
Risk of ovarian cancer is increased if two or more relatives from the same side have suffered from the disease and in woman that have never had children.
According to Cancer Research UK, every year in the UK over 6,600 cases of ovarian cancer are diagnosed and the disease causes more than 4,400 deaths.
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
