This is the ultimate review to guide you through the ins and outs of Direct Line over 50 insurance. You might already know that Direct Line has several different contract options.
Some are great. Some are less useful. Some are simply too expensive.
So, if you want to get better value for money from your Direct Line over 50 plan, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.
Let’s dive right in!
Table of Contents
Is Direct Line over 50 plan the best life insurance?
When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you.
Direct Line life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with Direct Line.
4 Safe overall rating for Direct Line life insurance
|Rating Criteria||Safe Rating||Our Review|
|Customer service satisfaction, claims and support|
4.1/5 rating on TrustPilot
Direct Line provides cover for policyholders between 50 and 85
|Value for money|
The over 50’s insurance can be gotten for as low as £5 per month
Direct Line’s Over 50s Life Insurance plan is provided by AIG
|Apps and technologies|
Quotes can be gotten online
Expert and customer satisfaction reviews for Direct Line
|Review organisation||Consumer satisfaction rates for Direct Line over 50 Life insurance Plan|
Direct Line insurance in a nutshell
In summary, here are the main features you need to know when taking out life insurance with Direct Line.
|Criteria||Direct Line details|
|Minimum age||50 years|
|Maximum age||85 years|
Up to £15,000
Smart Health services are provided at no extra cost
How does Direct Line over 50s life insurance work?
Direct Line over 50 life insurance is a whole-of-life insurance policy. The idea is to pay your life insurance with monthly installments. The day you pass away, it pays out a lump sum to pay different expenses, such as your funeral. You can also leave a sum of money to your loved ones.
What cover Direct Line over 50s life insurance?
Your loved ones will receive a cash sum that can help towards:
- Funeral expenses
- A gift to loved-ones
- Unpaid bills, mortgages
Here are the main features proposed by Direct Line over 50 insurance:
|Features proposed by Direct Line over 50 plan||Definition||Details|
|Fully insured||Number of years paid to be fully insured|
Full insurance is provided after 1 year.
|Funeral Expense||This is a free service. It means that the money will go directly to a funeral director and will serve to pay for the funeral.||£300|
|Accidental Benefit||If an accident happens within the first year or second year (if it is two years before you get totally covered), your relatives will receive the cash sum.||Immediate accidental death cover is provided.|
|Free cover||The cover is getting free at a certain age depending on insurance companies.||90 years|
|Direct Line life insurance with free gift||Insurance companies usually propose free welcome gifts when taking out over 50 life insurance.|
A £100 gift card is given when the policyholder takes out an Over 50s life insurance policy.
How much is Direct Line insurance?
How much you will pay for Direct Line life insurance for over 50 depends on a lot of factors:
- Your age
- How much cover your want
- Some insurers will ask if you are a smoker or not.
Here is a table that recapitulates over 50 Direct Line plan.
|Max payment||Not stated|
|Flexible payment||There is the option of reducing the monthly premiums after a one year duration.|
How to contact Direct Line life insurance?
Here are all the important phone numbers for contacting Direct Line life insurance:
|Service||Phone Numbers||Opening Hours|
|Get a quote at Direct Line||0800 077 8306|
Mon – Fri 8am – 8pm
|How to claim at Direct Line||03303 039985|
Monday to Thursday 8:30am-8pm
|How to cancel at Direct Line|
Monday to Thursday: 8.30am to 8pm
What are Direct Line general contact details?
You will find in this table all the general contacts that you would need if you want to reach Direct Line life insurance:
Direct Line Insurance
Facebook, Twitter, YouTube, Instagram
How to claim at Direct Line life insurance?
You will find on this table the different possibilities for reporting a claim on your Direct Line life insurance:
|How to claim on your life insurance at Direct Line?|
|When to claim?|
As soon as possible
|Claim by mail|
|Claim by email||Not available|
|Claim by phone|
How to cancel my Direct Line life insurance?
You will find on this table the different ways to cancel your Direct Line life insurance:
|How to cancel your life insurance at Direct Line|
|Cancel by mail|
|Cancel by email|
|Cancel online||Not available|
|Cancel by phone|
How do I get Direct Line life insurance quotes?
Here are the different ways to get a life insurance quote at Direct Line:
|How to get a life insurance quote at Direct Line|
0800 077 8306
How do I log into Direct Line life insurance?
Click on the "My Account" option on the Homepage
Do we recommend Direct Line life insurance?
Direct Line was founded in 1984 and their over 50s cover insurance policies are underwritten by both AIG and Legal and General (depending on when the insurance policy is gotten) and they have a 5-star rating from Defaqto and a 4.1 rating on TrustPilot. Direct Line offers over 50s cover policy and a lot of incentives to its customers the 24/7 access to a GP, Protected Insurance Amount option, Funeral Benefit option. Their services are recommended as they have a high capability to pay out claims.