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Family Life Insurance
How will your dependants cope financially without you? Life Insurance can help by providing a short term and longer income to help meet the essential bills.
Mortgage Life Insurance
Taking out a mortgage is probably the largest financial commitment many people will ever make. But what happens if a borrower dies, or becomes critically ill?
Critical Illness Cover
Most people know of someone that has suffered from cancer or had another critical illness. But what about the financial impact of this change of lifestyle?
Income Protection
Statistically customers are many times more likely to have a period of illness that lasts more than 6 months during their working lifetime, than they are to die.
Unemployment Cover Unemployment is a possibility in most walks of life and whilst many will be able to find new employment easily Unemployment Insurance can provide peace of mind.
Do You Need Help?
We would recommend you use our advice process. This will ensure that you review all the options before deciding what fits your budget and needs.
We would recommend you use our advice process. This will ensure that you review all the options before deciding what fits your budget and needs.
Life Insurance News
'Increase in skin cancer awareness'
A campaign by Cancer Research UK to help prevent skin cancer has helped increase "people's awareness of enjoying the sun safely", the organisation has said.
Around 9,000 cases of melanoma - the most serious type of skin cancer -are diagnosed each year and the disease may affect the live insurance premiums of suffers.
Despite the organisation's progress with increasing awareness of the illness, information manager Ed Yong said there is still "much to be done in encouraging people to act on what they know".
For example, Cancer Research's SMART initiative advises people to spend time in the shade between the hours of 11am and 3pm to ensure that they do not become sunburnt.
Mr Yong also said people "should not rely on cloud cover" to protect their skin from the sun's rays as "the UV Index can still be high on dull summer days".
According to the organisation, a history of sunburn doubles the risk of developing the two types of skin cancer - non-melanoma and melanoma.
It is also important to be aware of existing moles or skin blemishes in order to take note of any changes in them or of new ones that appear to help prevent skin cancer from developing, Mr Young added.
He advised people to ask a friend or partner to check their back "as skin cancer is much easier to treat successfully if it's detected at an early age".
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
Cancer increase makes critical illness cover vital
The importance of taking out comprehensive critical illness cover has been outlined by the rising incidence of prostate cancer in the UK.
The Institute of Cancer Research has confirmed that prostate cancer is now the most common male cancer, having overtaken lung cancer as more and more Britons quit smoking.
According to a spokesperson, the need for critical illness insurance and regular health checks is essential, with "more than 32,000 men being diagnosed each year and around 10,000 men dying from the disease."
The research organisation said that greater awareness of prostate cancer is needed to aid early detection of the illness and to "break down taboos".
"A recent survey by the Everyman Male Cancer Campaign found that men are less keen to talk about their health than women," the spokesperson said.
"The survey found that nearly one-third of men questioned would be too embarrassed to speak to their male friends about their prostate cancer concerns and only one in ten thought men were as informed about male health issues as women are about female health."
New HIV treatment given the green light
People with HIV may have a greater chance of finding affordable life insurance after a new treatment gained approval from officials.
Intended for patients who have failed to respond to other anti-retroviral drugs, etravine was given the go-ahead by the US Food and Drug Administration (FDA).
The treatment is part of a family of drugs designed to prevent viral DNA from being copied and integrated with host cell DNA by blocking a particular enzyme, thereby preventing the virus from multiplying.
Dr Debra Birnkrant, director of the FDA's antiviral product division, confirmed in a statement: "This is another significant new product for many HIV-infected patients whose infections are not responding to currently available medications."
She explained that as well as reducing the amount of HIV in an individual's blood, etravine boosts white blood cells - helping patients resist and fight off other infections.
In trials of the drug, which featured 600 adults resistant to other anti-retrovirals, patients on etravine alongside other therapy had a higher drop in blood levels of HIV than those who had a placebo with background therapy.
According to data from the UN Aids agency, there are 33.2 million people across the world currently living with the disease.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online
A campaign by Cancer Research UK to help prevent skin cancer has helped increase "people's awareness of enjoying the sun safely", the organisation has said.
Around 9,000 cases of melanoma - the most serious type of skin cancer -are diagnosed each year and the disease may affect the live insurance premiums of suffers.
Despite the organisation's progress with increasing awareness of the illness, information manager Ed Yong said there is still "much to be done in encouraging people to act on what they know".
For example, Cancer Research's SMART initiative advises people to spend time in the shade between the hours of 11am and 3pm to ensure that they do not become sunburnt.
Mr Yong also said people "should not rely on cloud cover" to protect their skin from the sun's rays as "the UV Index can still be high on dull summer days".
According to the organisation, a history of sunburn doubles the risk of developing the two types of skin cancer - non-melanoma and melanoma.
It is also important to be aware of existing moles or skin blemishes in order to take note of any changes in them or of new ones that appear to help prevent skin cancer from developing, Mr Young added.
He advised people to ask a friend or partner to check their back "as skin cancer is much easier to treat successfully if it's detected at an early age".
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
The importance of taking out comprehensive critical illness cover has been outlined by the rising incidence of prostate cancer in the UK.
The Institute of Cancer Research has confirmed that prostate cancer is now the most common male cancer, having overtaken lung cancer as more and more Britons quit smoking.
According to a spokesperson, the need for critical illness insurance and regular health checks is essential, with "more than 32,000 men being diagnosed each year and around 10,000 men dying from the disease."
The research organisation said that greater awareness of prostate cancer is needed to aid early detection of the illness and to "break down taboos".
"A recent survey by the Everyman Male Cancer Campaign found that men are less keen to talk about their health than women," the spokesperson said.
"The survey found that nearly one-third of men questioned would be too embarrassed to speak to their male friends about their prostate cancer concerns and only one in ten thought men were as informed about male health issues as women are about female health."
People with HIV may have a greater chance of finding affordable life insurance after a new treatment gained approval from officials.
Intended for patients who have failed to respond to other anti-retroviral drugs, etravine was given the go-ahead by the US Food and Drug Administration (FDA).
The treatment is part of a family of drugs designed to prevent viral DNA from being copied and integrated with host cell DNA by blocking a particular enzyme, thereby preventing the virus from multiplying.
Dr Debra Birnkrant, director of the FDA's antiviral product division, confirmed in a statement: "This is another significant new product for many HIV-infected patients whose infections are not responding to currently available medications."
She explained that as well as reducing the amount of HIV in an individual's blood, etravine boosts white blood cells - helping patients resist and fight off other infections.
In trials of the drug, which featured 600 adults resistant to other anti-retrovirals, patients on etravine alongside other therapy had a higher drop in blood levels of HIV than those who had a placebo with background therapy.
According to data from the UN Aids agency, there are 33.2 million people across the world currently living with the disease.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online