Direct Line Critical Illness Cover

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Direct Line Critical Illness Cover

Direct Line is a relatively new insurance company, but is widely known across the UK thanks to their extensive television advertising. It has continued to grow aggressively and offers a wide range of insurance products including life insurance and critical illness cover.

Direct line critical illness cover provides a lump sum cash payment if the policyholder is diagnosed with an illness that is pre-agreed to be covered. Often critical illness cover will be attached to simple term life cover. The two main types of cover are fixed term cover and mortgage life cover.

There are general rules for prospective applicants which include the following:

• A minimum age of 18 years and a minimum term of five years
• The maximum age to start policy should be 65 years and the maximum period of cover should be 70 years.
• The maximum insurance offered is - £500,000

You have the option to choose single or joint life insurance.

Company Details

The company has over a thousand employees and makes available a number of personal finance products to more than 10 million clients all over UK and Europe. The services are available to UK residents only, however the parent company Royal Bank of Scotland offer protection products all around the world under sister brands. The company provides professional advice with regard to how much cover you need and how long you need the cover for.

Company History

The company dates back to only 1985 and it is the first insurance company in UK to use telephone as a medium to provide health information and medical services, now it is known for providing quotes online also. This was a more efficient way of buying insurance and changed the market place for good. Firstly it was fast, next it was simple and as its name suggests – direct. With only 63 employees during its inception, there are currently more than 10,000. Similarly its call centres have increased from one to five all across UK. In the initial three months itself, 9000 insurance quotes were given over the phone. During 1990 the company spread as wide to Spain, Germany, Italy and Japan. Twenty years later, it is still a leading company in UK to do so even though Internet has revolutionised the whole approach to insurance.

Other Insurance Plans

Though the company began with car insurance plans, today in addition to critical insurance it also provides landlord insurance, life and over 50’s insurance, business, private health insurance and tradesman insurance.

The primary mode of operation continues to be the telephone, however, services are also provided online. It is in the process of developing even more accurate business plans for the benefit of the customers in UK and countries across Europe. Direct Line car insurance was the first venture which provided a breakthrough for all the others.

Critical Illness insurance is one such important off-shoot of the company. It enables the covering of funeral fees and any other hidden expenses that might procure after your death. It helps the family to deal with the financial crisis that might befall after the death of the earning member of the house.

Review of the Company

The company has a strong reputation in the field of financial services and with its critical illness. You can check link and find read reviews about this company. If you have any experience of their critical illness cover please take the time to write a review and help other potential customers.