Is SunLife the right over 50 life insurance provider for…
Yes, you can purchase level term, decreasing term and over 50s life insurance through Direct Line.
All new Direct Line life insurance policies are underwritten by AIG Life limited.
Because Direct Line don’t trade on comparison sites, or through life insurance brokers, all Direct Line life insurance must be purchased directly.
While Reassured can’t help you secure life insurance from Direct Line, we can compare quotes from some of the best life insurance providers, including AIG Life, helping you find the best deal we can offer.
Keep reading as we provide everything you need to know in our Direct Line life insurance review, including:
Plus, information throughout on how Reassured may be able to help you secure affordable life insurance.
As of 2023, Direct Line life insurance reviews range from mixed, to positive.
Direct Line have a 4.0 (out of 5) rating on Trustpilot, with over 11,000 reviews. However, this covers a wide array of their insurance products.
Reassured offer a quote comparison service which can help you decide which insurer is best for you from our panel. You can contact us, or determine how much cover you need below:
Direct Line are an insurance company established in 1985 in Bromley. Originally, they focused on selling a single car insurance product over the phone.
Eventually, they would branch into travel, pet and breakdown insurance, alongside their life insurance product which launched in 1995.
Direct Line were purchased by RBS Group in 2003 and are now known as Direct Line Group.
Today, Direct Line offer a multitude of insurance products online and over the phone, while also owning Churchill, Green Flag and Privilege.
All new life insurance products through Direct Line are underwritten and administered by AIG Life.
Direct Line offer three different life insurance products - level term, decreasing term and over 50s life insurance:
|Product||Fixed premiums?||Terminal illness covered?||Fixed chosen sum assured?||Critical 3 cover can be included for additional cost?||No medical information required?|
xMaximum sum assured information for level and decreasing term life insurance unavailable at this time
Direct Line also offer additional benefits with their life insurance policies:
Reassured are unable to help you secure Direct Line life insurance.
However, we can help arrange life insurance from AIG - who underwrite Direct Line life insurance - alongside policies from other top UK providers.
Smart Health is available 24 hours a day all year round, and covers you, your partner/spouse, and children up to the age of 21. Smart Health also provides:
Direct Line’s life insurance policies are versatile, and the sum assured can be used to cover for whatever you and your loved ones require.
Some of the most common reasons people secure life insurance include:
These reasons for securing life insurance aren’t only applicable with Direct Line life insurance.
As life insurance is personal, you may wish to secure life insurance for alternative reasons to the common ones listed above
Reassured can discuss your options and provide information to allow you to decide whether life insurance is right for you.
We also compare personalised quotes from some of the UK’s leading providers. Simply contact us today.
Direct Line offer life insurance from £5 per month. However, this is dependent on personal factors and your quote could be higher or lower than this.
Life insurance premiums can be impacted by the following factors:
Age - On average, premiums are cheaper the younger you are. This is due to a smaller risk being imposed on the insurer.
Medical history - If you have pre-existing health conditions (conditions existing at the time of application) historical medical ailments or a family history of certain medical conditions, your premiums are likely to have additional loading (be more expensive).
Smoking status - If you smoke, vape or use any form of nicotine product, your premiums will be higher than those who don’t.
Direct Line won’t let you secure over 50 life insurance if you’re a smoker over the age of 81, whereas non-smokers can apply up to 85 years old.
Some providers may require you to be nicotine free for a set period before classifying you as a non-smoker.
Weight/BMI - If you’re overweight or underweight, you may experience higher loading on your premiums depending on your specific BMI..
This will be assessed on a case-by-case basis with many insurers, including Direct Line.
Dangerous occupation/hobbies - Due to the increased risk these could put on your life, occupations and hobbies deemed hazardous are likely to cause premiums to be higher.
In some rare scenarios, an application may be rejected if the occupation or hobby is considered too high-risk.
Lifestyle - If your lifestyle is perceived as risky, your premiums will be higher.
This can include alcohol consumption (if over 14 units per week), an inactive lifestyle and how frequently you exercise.
Many insurers will also automatically reject your application if you’re actively using recreational drugs.
Policy type - Term life insurance is usually the cheapest option, as the cover will expire after a set period.
Premiums for over 50s plans are not affected by your medical information, which means this could be a cheaper option for those who are older and have pre-existing medical conditions.
Additionally, Direct Line and other insurers raise premium costs on guaranteed policies (over 50s plans and whole of life insurance) to mitigate the risk.
Length of cover - Term-based policies over a longer period will have higher premiums, as they impose more risk on the insurer.
Over 50s cover or whole of life insurance tend to be the most expensive as they’re guaranteed to pay out, though over 50s plans do not require medical information.
Direct Line doesn’t offer whole of life insurance.
Sum assured - The higher your sum assured, the higher your premiums. Direct Line will only let you secure a maximum of £15,000 with over 50s plans.
If the information you provide on the application is inaccurate, this is known as ‘non-disclosure’.
Non-disclosure can be either intentional or unintentional and will result in your policy becoming invalid, meaning any future claims by loved ones will be unsuccessful.
Your life insurance provider has the right to investigate any potential non-disclosure and can delay a payment until the cause of death or application has been thoroughly examined.
While we can’t help you secure Direct Line life insurance, we can compare quotes from other top UK providers and walk you through the application process.
Furthermore, life insurance quotes through Reassured start from as little as 20p-a-day.
The person claiming needs to contact AIG Life, who underwrite Direct Line life insurance policies (secured after 22/07/2019). There are three ways to contact AIG:
AIG Life will require a death certificate (or medical proof if claiming for terminal or critical illness) and any additional paperwork provided to be completed.
The life insurance pay out will be made to your personal representative (or yourself if you’ve requested this for a terminal/critical illness claim).
Once the claim has been fully assessed and completed, AIG Life will transfer the money into the designated bank account.
If you secure level term or decreasing term life insurance via the Direct Line website or over the phone, you’ll be eligible for a free e-gift card after six months of your policy’s start date (if all premium payments are up to date).
The amount you receive is dependent on your monthly premiums:
|Monthly premium||e-gift card value|
|£5.00 - £10.00||£35|
|£10.01 - £20.00||£60|
|£20.01 - £30.00||£120|
You have the option to choose between the following e-gift cards:
Those who secure over 50s life insurance through Direct Line would be eligible for a £100 e-gift card from one of the above companies. However, there are other insurers who offer over 50s life insurance with a free gift.
These are subject to Direct Line’s terms and conditions and are correct as of 05/05/2023.
It’s important to choose the right cover for your individual needs and not for any free gifts a company may offer.
Reassured can help you determine your available life insurance options based on your requirements and compare quotes to provide you with the best deal we can offer.
Who is Direct Line insurance underwritten by?
Direct Line life insurance is underwritten by AIG Life limited for all policies secured after 22/07/2019. Policies secured between 01/01/2013 and 20/07/2019 were underwritten by Legal & General.
Why aren’t Direct Line on comparison sites?
Direct Line have chosen not to be on comparison sites. However, AIG Life, the company who underwrite their life insurance policies, are.
Reassured is able to help arrange life insurance policies from AIG Life, while also comparing them against other top UK providers.
How old is Direct Line?
Direct Line were first established in Bromley in 1985. They have been selling life insurance since 1995.
What companies work under Direct Line?
The most notable companies who work under Direct Line are Churchill, DLG group, Green Flag, Darwin, NIG and Privilege.
While Reassured can’t help you compare Direct Line quotes, we can compare quotes for life insurance from other top UK insurers.
Reassured can provide you with personalised quotes to help you find the best possible deal we can offer you.
Our friendly team can even walk you through the whole application process and decipher any unnecessary jargon.
Simply contact us for your free quote comparison, today.
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Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!Mrs M Rushworth
Very professional and reassuring. Life insurance sorted in about 10 minutes.Stephen Davies
very courteous and friendly. Polite professional and empathic.Stedroy Fenton
Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.Piotr Stepien
Really attentive during the call, good clear guidance throughout. Well done.Michael Reynolds
Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.Sera Woolley
I made the right choice and now I feel relieved that I did.glyn
Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!Katelia Merritt
I must say Jake took me through every step and was brilliant, recommend them anytime.Allan Green
Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.Jenny Berry