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Direct Line Life Insurance Logo

Decreasing Term Life Insurance

(6,881 reviews)

Review Score

8.6

Direct Line Reviews

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Direct Line policyholder's premiums stay fixed, helping them to budget. They also have unlimited, 24/7 access to a GP.

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Direct Line Life Insurance Logo

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Pricing

Quotes our team received

Price Band

£ £ £ £ £

Quotes our team received

Life Insurance Pricing Image One

Details

Decreasing term cover quote for £150,000

Decreasing term quote

£9.70

per month

Second medical opinion

Yes

Claims paid

98%

Life Insurance Pricing Image Two

Details

Includes £37,500 critical illness cover

With critical illness cover

£26.44

per month

Second medical opinion

Yes

Claims paid

98%

Benefits of Direct Line Decreasing Term Life Insurance

  • Receive a gift card worth up to £180 with a new life policy
  • 7% discount for existing Direct Line customers
  • 99% of life insurance claims were paid out in 2019
  • Receive £10,000 advance payment to give your family some early financial relief when a claim has been agreed but are waiting for the final payment
Compare decreasing term life insurance providers to see how Direct Line’s decreasing term life insurance performs against their competitors.

Why choose Direct Line life insurance?

  • Unlimited 24/7 access to a GP – all Direct Line life insurance policyholders get access to Smart Health Services at no extra cost. This provides you with access to health and wellbeing experts, including GP appointments over the phone or via video call.
  • Up to £10,000 advance payment – following a successful claim, your loved ones could be entitled to an advance payment of up to £10,000 if the full payment amount is delayed due to legal requirements or other checks.
  • 98% of life insurance claims paid out – based on AIG data, 98% of life insurance claims were paid out in 2019.
  • Premiums stay fixed – if you don’t make changes to your policy, your monthly payments will stay the same, helping you to the budget.
  • Save 7% on life insurance if you’re an existing Direct Line customer – this discount is available for the duration of your policy, provided you pay a minimum of £5 a month.
  • Critical illness cover for cancer, heart attack and stroke – you have the option to add Critical 3 cover to your life insurance policy for an extra premium. This provides you with additional cover and pays out a lump sum of money if you survive 14 days after a heart attack, stroke or cancer diagnosis during your policy.
  • Mortgage guarantee for decreasing term policies – Direct Line will make sure your mortgage is fully paid off if a valid claim pays out less than your outstanding mortgage debt.

Frequently Asked Questions


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