Early Days Advance Payment

We help keep you and your family’s lives on track.
We know that when a claim is made, you and your loved ones’ 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 early financial relief whilst the full claim is assessed.

When a bereavement or critical illness happens, you and your family might need to stop for a moment to allow time to cope and 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 important financial peace of mind when you and your family need it most. Depending on your needs, some of the costs it could help with are:

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

How it works – 3 easy steps


When we will make the early days advance payment - if a claim is made during the policy term, we’ll check that the claim meets the policy definition. Once we’ve done this, we may be able to pay the full amount of cover, unless we need to assess this further. If this happens then 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.


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



Important things you need to know - we won’t be able to make an Early Days Advance Payment if there’s evidence that you gave wrong information or you didn’t tell us information that we asked for at the time of your application. 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 2014, Legal & General paid £519 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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