Direct Life provides coverage for low risk and high risk individuals of all ages.

1. How much life insurance do I need?
As a rule of thumb, experts recommend multiplying your annual income by a specific factor to determine the amount of life insurance coverage your dependents need. This multple varies and we can work with you to determine the right level of coverage.. Replacing income, paying off mortgages, other debt, and estate planning are just a few ways to calculate your needs. As part of our service, we can provide a much more accurate and personalized needs analysis for you, over the phone. We also encourage you to try our life insurance needs calculator. If you have any questions call us at 800-719-0374.

2. How is Direct Life different from traditional ways of buying life insurance?
First, we are independent and selective. We are not owned, employed, or controlled by any insurance company so the information we provide is unbiased. In the past, life insurance was generally purchased through a captive agent of a particular insurance company. In order to compare more than a few companies, the consumer had to meet with several agents, and listen to sometimes lengthy, confusing, high-pressure sales presentations.
At Direct Life, we provide the information you need to make a well-informed choice among dozens of products available. And, all of this is done in a matter of minutes, right over the phone.

3. What criteria is used when selecting the right life insurance company?
There are a variety of criteria we use to evaluate the financial strength, performance, and integrity of life insurance companies. We only monitor the rates from insurance companies with a proven track record of financial strength, integrity, performance, and claims-paying ability. And, before quoting any company, we require that it have a rating of A, A+, or A++ by A. M. Best. One of the country's recognized insurance company rating organizations.
We will provide you with a financial profile of your chosen company, which includes the ratings and history from each company based on the criteria above. Other third-party services providers, which measure insurance companies' financial strength, claims-paying ability, and other financial categories, include:

• Standard & Poor's
• Moody's
• Fitch
• Weiss

4. Why have term life insurance rates dropped significantly in the past few years?
First, you're right. Many carriers' term rates have never been lower. In fact, rates have fallen approximately 50% since 1995! That's a big drop, and a big savings.

Part of the reason for this is that life insurance companies will obtain more detailed information about you before they accept you at their lowest rates. In the past, exams and blood tests were only performed for older individuals or those seeking larger coverage amounts.

The age of computers and the Internet has also impacted rates by making the path-to-market for new plans and rates faster than ever. The moment a new plan is introduced, the whole world can know about it almost immediately. Years ago, it would take months or years for agents to find out about new products. As a result of the quick dissemination of information, competitive products and rates are available faster than in the past.

Advances in medical care have also made it possible for people to live longer than ever before. This means that life insurance companies don't have to pay the death benefits as soon, so they can pass the savings on to consumers through lower rates. Rates are so low right now that if you own term life insurance, you should compare your existing policy's rates, features, and guarantees to those currently available. Even if you bought your policy as recently as one year ago, it's very likely that, if you're still healthy, you could find a new policy that will provide:

• the same death benefit at a lower cost, or
• the same death benefit at the same cost, but with a longer guaranteed rate, or
• a higher death benefit, at a lower cost, or
• a higher death benefit, at a lower cost, with a longer rate guarantee!
• You have nothing to lose by submitting the free e-mail quote request form, better yet call today at 800-719-0374 to find out whether you can get more for your money!

5. Can I qualify for life insurance if my health is poor?
If your health is poor, or you have been charged extra premiums or have even been declined for life insurance and told your case "was too difficult to place," you've come to the right place. Why? Many people in this category simply assume that coverage is either not available for them, or that it will cost too much.

The truth is unless your agent understands the underwriting process for such specialized cases, the odds are against you finding the right offer. Agents may not have the time to spend in order to find the best offer for an impaired-risk case because it takes a lot of extra work. Most "quote services" focus their attention on quoting only the clean (perfectly healthy) cases. Unfortunately, the insurance companies with the best rates for healthy applicants are unlikely to be the companies you should be considering if you have health problems.

We have the experience to know which companies specialize in certain health impairments. Some clients may be offered "standard" rates by one company, yet extremely high "substandard" premiums from another. We know which companies are most likely to make you a reasonable offer. We can "shop" your condition with several of these companies in order to find the best offer.

Contact Us With Questions Or For A
Life Insurance Quote Request

Gender:	Male Female
State:	State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Coverage Type:	30-Year Guaranteed Level Term 25-Year Guaranteed Level Term 20-Year Guaranteed Level Term 15-Year Guaranteed Level Term 10-Year Guaranteed Level Term Universal Life (Permanent) Select
Birthdate:	Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Year 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927
Coverage Amt:	$100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,250,000 $4,500,000 $4,750,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 OVER $10,000,000
Rate Class:	Preferred Plus Preferred Standard
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Mailing Address:
Direct Life Insurance Services, Inc.
16450 Bake Parkway Suite 200,
Irvine Ca, 92618
800-719-0374