Getting the life policy you need and can afford should be easy with the range of Direct Line Life Cover.
Thinking about setting up a life policy? It may be that you have a new family or just got married and need to think more seriously about what may happen to loved ones if you die. Whatever the reason, if you’re aged between 18 and 65 years next birthday, and with cover starting at as little as 20p per day depending on your age and personal situation, Direct Line could help you find the right level of cover and type of life policy for you.
We know life insurance can be a difficult subject to broach – thinking about your death when you’re fit and healthy is a strange concept! We also know how vital it is to take your life policy seriously, if you want to know your family or loved ones are financially provided for in the worst case scenario. That’s why we’ve made getting a Direct Line Life quotation as easy as possible for you.
Simply click online and you’ll see we offer two types of life policy: Direct Line Fixed Term Life Cover, where a fixed lump sum could help provide for the financial security of your family in the event of a claim; and Direct Line Mortgage Life Cover – a long-term insurance policy that pays out a reducing lump sum, if you die in the agreed period of cover. This offers decreasing term assurance and is designed to run alongside a standard repayment mortgage. You can download the terms and conditions of both polices in easy-to-read PDF format.
You can apply for both life cover policies online or over the phone. If you have any questions we have a specially designated Q&A section on our website or you can simply give us a call. Essentially, we set your monthly premium against the details you give us: how much cover you need and the length of cover required; your age, taking into account that the longer you leave it, the higher your premium may be; and your personal situation, including your health and factors such as whether you smoke.
Both life policies provide for the event of death and also terminal illness; they can also be taken out for single or joint life first death basis. In the event of a terminal illness the sum insured may be paid early if you tell us about it at least 18 months before the end of the policy term and subject to our terms and conditions. We also provide a policy that includes critical illness protection. Life and critical illness cover pays out a lump sum if you either die or are diagnosed with a critical illness that meets our policy definition. We only cover the critical illnesses we define in our policy and no others.
Find out more about a life policy with Direct Line online, or call us for further information.
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