Direct Line offers flexible life insurance options, as well as discounts for existing Direct Line customers. Find out how it works and if it’s right for you below.
Direct Line is a British insurance company that was founded in 1984. It was the country’s first direct car insurance provider and now offers policies for home, pet, travel and life insurance.
Direct Line life insurance is underwritten by AIG and has received a 5-star rating from Defaqto. Existing Direct Line customers can get up to a 7% discount on life insurance, and you can receive a £10,000 advance payment if your claim has been accepted but you are waiting on the full payment.
Direct Line offers life insurance under both single and joint policies, as well as cover designed specifically for over 50s. Along with these basic policies, customers can also get the optional Critical 3 illness cover. This covers you in the event you have a heart attack or stroke, or are diagnosed with cancer.
With Direct Line’s life insurance, you also have the choice between level term or decreasing term cover.
Level term insurance offers certainty in the ongoing cost of your insurance, as well as in the amount you’ll receive.
Decreasing term insurance is often used by those looking to cover the outstanding cost of their mortgage, as the policy reduces over time in life with you continuing to pay off your house.
Your family will then receive an agreed amount in the event of your death, provided you’ve had the policy for at least two years. They will also receive a payout if you stop paying your insurance, as long as you’ve made more than half of the total payments in your policy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Exclusions will vary based on the specific type of policy you take out, but you will generally not be covered in the following instances:
You can make a claim by calling Direct Line, with specific lines for over 50 and critical illness claims. When making a claim, you will need to provide the name and policy number, your contact details and the death certificate or details of illness.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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