Product Review: American Life Direct insurance

About the company: “The American Life Direct website is owned and operated by Spectrum Direct Insurance Services, Inc. We are a life insurance sales and marketing organization whose products are entirely Internet-based and designed to enable the purchase and management of policies online.”

The big pitch: Buy up to $150,000 of Term Life Insurance in just 10 minutes! No medical exam. Instant approval. Print policy in minutes. Immediate coverage for qualified applicants. Get a quote in seconds. No cost. No Obligation.

The website at http://www.americanlifedirect.com is an online tool that will help you find the term life insurance you need. You can start by getting a free life insurance quote. In order to determine your life insurance quote, www.americanlifedirect.com, asks you for the state you live in, gender, birth date, and if you smoke or use any nicotine related substances. You plug in this information and receive a quote via your email address. It is quick, free way to obtain a life insurance quote.

American Life Direct will provide you with life insurance without a medical exam and approves qualified applicants in a flash. A medical exam is one of the time consuming hassles that can be avoided when purchasing a life insurance policy from this company.

This sounds too easy. What are the components of the life insurance policies? You can be approved for up a life insurance policy up to $150,000. After you are approved and have made your first payment you have 30 days in which to decide if the plan is right for you. You can cancel your policy within this timeframe for a full refund.

Your policy will be in effect starting after approval and acceptance of first payment. You can purchase your life insurance policy online without the hassle of long forms and pressure from insurance agents. You can apply in the comfort of your own home.

What about the rates? Will they change? No, your rates will remain the same as they were when you were approved for the life insurance policy. The rates will remain at this level for the duration of the policy term you picked. Your benefits will remain the same for the duration of the in-force status of the policy.

Another benefit of using www.americanlifedirect.com is that you can access your account information online. This allows you to access your account anytime day or night. This digital format and flexibility can alleviate the hassle of dealing with excess paperwork.

The Product Trends rating: American Life Direct can provide you with a free life insurance quote within minutes. The advantages include not having to spend time taking a medical exam and dealing with insurance agents. Four stars. ---Reviewed by Jillian Dobbs

To try American Life Direct insurance for yourself, click the image below:

posted by Oz @ 6:31 PM