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.
The UK's leading broker of health and protection insurance products
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.
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
Churchill offers two types of life insurance policy plus the option to take out a single or joint policy. Find out what’s included, what isn’t covered and how much it might cost.
We compare and rank the best free gifts on offer across a range of over 50s life insurance policies.
Here’s what you need to know about buying life insurance after the outbreak of coronavirus, plus claiming on an existing policy.
If you’re worried about your income being hit by the coronavirus pandemic, here’s what you need to know about income protection insurance.
A comprehensive list of life insurance companies in the UK.
Find out about Phoenix Life in our life insurance review.
There are over 25 million insurance protection policies in place – but who has cover and who doesn’t?
Read our guide to find out how terminal illness benefit on a life insurance policy could help your loved ones and offer some financial security.
Read our guide to find out how level term life insurance could offer your loved ones financial security after you’re gone.
Read our guide to help you decide if you and your loved ones could benefit from joint life insurance.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.