Find out how you can help financially protect and provide for your family if you die, with a life assurance quotation from Direct Line.
Taking out or even talking about life assurance can be daunting. But if you have a new family or have just got married, for example, you want to be reassured that your loved ones will have financial security if you die. That’s why Direct Line have simplified the process so you can get a life assurance quotation over the telephone or online.
Just because you apply for a life assurance quotation doesn’t mean you’re obliged to take out one of our policies. However, once you see the details of our Direct Line Life Cover policies – with premiums from as little as 20p per day depending on your age and personal situation –we think you’ll be impressed.
You’ll find all the information you need to choose the right policy for you online. We have two Direct Line Life Cover policies to offer: Fixed Term Life Cover, where cover provides a lump sum to help provide financial security for loved ones in the event of a claim; and Mortgage Life Cover, designed to provide a reducing cash lump sum to help pay off the outstanding balance of a standard repayment mortgage, so your dependants at least have a roof over their heads if you die. Both policies cover for the event of death and terminal illness. 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. Our policies can also be taken out on a single or joint life first death basis and you could also apply for our term assurance policies with 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, so please check out the terms and conditions to ensure you have the cover you need.
The next step is to decide on the value and length of cover you need. It’s worth taking into account the age and potential education costs for children, and how the rate of inflation may affect things if your policy doesn’t expire for a number of years. Direct Line Fixed Term Life Cover provides an agreed fixed lump sum, depending on your age, of between £20,000 and £2 million, with a minimum cover period of five years up to a maximum age of 70 years next birthday. Direct Line Mortgage Life Cover is a long-term insurance policy that pays out a reducing lump sum if you die in the agreed period of cover. It is a decreasing term assurance policy designed to run alongside a standard repayment mortgage.
Once you have all these details to hand, simply apply online or give Direct Line a call. To work out your premium we will also consider your age, your personal situation, including factors such as health, and whether you smoke. If your details meet all the requirements and check out we may even be able to provide instant cover. Plus, even if you already have cover, it makes sense to review your details if your circumstances have recently changed – a quote can help you do this.
To get a life assurance quotation from Direct Line call us or apply online.
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