Welcome to Investment Direct
How does our discount work?
When you submit your application via ourselves we instruct the product provider to 'sacrifice' the bulk of commission that would normally be paid to a financial adviser. This is added to your investment by either enhancing the 'allocation rate' on the bond or by simply increasing the amount invested. In either case, you gain the amount stated on day one of your investment.
Any enhancement is in addition to any incentive currently offered by the product provider for applications submitted via an independent financial adviser.
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How to submit your application?
1. Obtain the application form using the link above or by telephoning us to request forms by post.
2. Send your completed application together with a cheque and evidence of identification to:
Cheques should be payable to the product provider (not us) and have your name written on the back of the cheque. Evidence of identification is also needed for each applicant in accordance with Money Landering guidance (just the same as when you open a bank account). Without ID the insurer will not accept your application. Occasionally we can identify people using computer checks but this is not always possible. Therefore to avoid delays we request the following for each applicant. Please send a copy of one from each list:
Passport orDriving Licence or Inland Revenue Tax Notification or State Pension Letter
plus one of the following showing your current address:
Recent mortgage statement or recent bank statement or recent council tax bill or recent utility bill (not mobile phone) or driving licence (if not used above) or house insurance certificate or motor insurance certificate.
Thank you for your cooperation and for using Investment Direct. Please contact us should you have any queries.
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Who are Investment Direct?
Investment Direct is a trading name of UK Life Direct Ltd - independent financial advisers. We are authorised and regulated by the Financial Services Authority.
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Why use Investment Direct?
We provide access to a very wide range of investment bonds. We also sacrifice commission to provide a massive enhancement to your chosen investment. We believe we offer the best discounts available.
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What is the benefit of arranging an investment through Investment Direct rather than going direct to the product provider?
Quite simply, the accountant we provide is not available if you invest directly with the product provider, as the company would retain the commission we use to enhance your investment. Your investment is in no way different by using Investment Direct, other than the extra incentive we provide.
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Is there any fee for using your service?:
You will pay NO fees or charges for access to our discounts.
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How much discount do you provide?
On Bond investments we take just 1% commission. All the remaining commission is used to boost the allocation rate on your chosen bond - which means you could benefit from up to 6.25% extra added to your investment on day one. We take no annual 'trail' commission on your bond as this would represent a charge to your investment. By rejecting annual payments we trigger a higher initial commission from the insurer which is used to give you a bigger discount than our competitors who take annual commission. See our Bond pages for details of the incentive on your chosen bond.
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Do you provide advice on choice of investment?
We are happy to answer generic questions about a product under this service but are unable to give advice on the suitablity of that plan for you.
eg. We can answer a question like "What is the allocation rate on the Prudential Prospects Bond?" but cannot answer personal questions like "Is a bond right for me?" or "Which is the best bond for me?"
This service is really aimed at individuals who know what they want and simply want a good deal.
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The guidance and/or advice contained within this site is subject to the UK regulatory regime and is restricted to consumers based in the UK. This web-site works on a Direct Offer basis, which is where we provide you with information to enable you to make an informed decision as to the product which best suits your needs. Please note that this offer does not represent personalised advice and is not a recommendation that this product matches your financial requirements. If you should have any doubts about whether this product meets your own needs please contact us so that your individual circumstances can be considered.