For life assurance cover with a competitive premium, that still gives you added peace of mind, talk to Direct Line. 

If you’ve only just begun to think about life insurance – perhaps you have just got married or started a family – you may have been wrangling with another added expense pitted against the need to protect and provide for your family or loved ones if you die unexpectedly. But did you know that the premium for Direct Line Life Cover starts at as little as 20p per day depending on your age and personal situation.

Direct Line has two types of life assurance cover – Fixed Term Life Cover  and Mortgage Life Cover – with an online quotation or telephone quotation facility. Both policies are designed to offer competitive premiums.

Your life assurance premium is calculated by taking into account your age, personal circumstances and the amount and length of cover you need. Direct Line Fixed Term Life Cover is designed to provide a cash lump sum that could help give your family or loved ones financial security when you’re gone. Depending on your age it offers cover between £20,000 and £2 million, with a minimum cover term of five years. Essentially the older you are, and the higher the amount and length of cover you need, the more your life assurance premium will be. Factors such as your health and whether you smoke are also taken into consideration when you apply.

Direct Line Mortgage Life Cover is designed to provide a reducing cash lump sum to cover the outstanding balance of a standard repayment mortgage upon the event of death of the life insured. It works in conjunction with a standard repayment mortgage: as the amount of the mortgage decreases, so does the level of your cover.

For both policies, your Direct Line life assurance premium is paid by direct debit to make things as easy as possible for you. If you do not have sufficient funds to cover these payments, your policy will be cancelled after 31 days, so make sure you keep on top of them.

No matter what your premium, both Direct Line life policies cover for death and also terminal illness, whereby a payment may be made early if you tell us about it at least 18 months before the end of the policy term and subject to our terms and conditions. We also provide a policy which includes 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.

To get life assurance from Direct Line, call us or get a quote online.