Early Days Advance Payment

We help keep you and your family’s lives on track.

We know that when a claim is made, everyday bills don’t just stop.

That’s why we offer Early Days Advance Payment, available when you take out a Term or Term and Critical Illness Cover policy. It’s a payment of up to £5,000, to help bring some financial relief while the full claim is being assessed.

When coping with bereavement or critical illness, it’s important you and your family have time to adjust. However, the reality is that the mortgage, bills and other regular payment commitments don’t stop.

Early Days Advance Payment is about giving you some vital financial peace of mind when you and your family need it most. Depending on your needs, some of the costs it could help include:

  • Mortgage, rent, personal loan or credit card repayments
  • Weekly food shop
  • Childcare
  • Hospital costs
  • Contribution towards the cost of a funeral

How Early Days Advance Payment works – 3 easy steps


When a claim is made, we’ll check it meets the policy terms to see whether we can pay the full amount of cover. If we need to assess the claim further, we’ll make an Early Days Advance Payment.


An Early Days Advance Payment is £5,000 unless your amount of cover is lower, in which case we’ll pay that amount.


We’ll then continue assessing your claim and, assuming everything is OK, will be able to pay your remaining amount of cover. If the claim is unsuccessful, we won’t ask for the Early Days Advance Payment back.



Important things you need to know

If you didn’t tell us any information we asked for during your time of application, or what you did provide us was incorrect, we’ll be unable to make an Early Days Advance Payment.

Make sure you fill in the application carefully, and call us if you have any questions. No matter how many Legal & General policies you have, we will only make one Early Days Advance Payment.

We pay out when you need us


When it comes to financial protection, we understand that trust really matters. In 2015, Legal & General paid £542 million in life, terminal illness and critical illness claims.


Good to know

Direct Line's Life Insurance is provided by Legal & General




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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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