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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
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
10 August 2007 17:41:25
Preventative treatments may not improve the life prospects of the elderly, British experts have said.
Rather than averting death, drugs such as statins may simply change its cause, according to the report in today's British Medical Journal.
Senior lecturers from New Zealand and Devon and a London GP authored the report, which suggests that such treatments tend to convert one critical illness to another.
The report crystallises its argument with a rhetorical question: "By using preventive treatments to reduce the risk of a particular cause of death in elderly people, are we simply changing the cause of death rather than prolonging life?"
Later on, it provides a similarly neat summary: "Our bodies have a finite functional life and age is a fundamental cause of disease."
Statins are fundamental to the government drive to cut rates of heart disease by 40 per cent by 2010.
However, the researchers cast doubt on their effectiveness, citing cited a trial of one statin, pravastatin, on elderly people.
While there was a small decrease in deaths due to heart disease, the total number of deceased remained the same - rates of cancer diagnosis were higher among the treatment group.
08 May 2008 15:55:14
Scientists have launched a medical trial to test a new method of detecting lung cancer in people at greatest risk of developing the disease.
Funded by Cancer Research UK, the trial aims to see if more cases of lung cancer can be detected in the disease's early stages by screening long-term smokers with chronic obstructive pulmonary disorder (COPD) - a condition which may affect life insurance policies.
COPD is a degenerative lung condition largely caused by smoking and includes chronic bronchitis and emphysema.
Although more than 100 people are diagnosed with lung cancer in the UK each day, the disease has one of the worst survival rates of any cancer with only seven per cent of patients still alive five years after diagnosis.
If some types of lung cancer are detected at an early stage, then a five-year survival rate of up to 80 per cent can be achieved.
Lead researcher Professor Stephen Spiro, of University College London, said: "Many of the tests that have been used to screen for lung cancer have not been able to pick up very early signs of the disease so we're using two new tests which we think could be better at picking up lung cancer earlier."
