Buying life insurance protection is a critical step in ensuring your family will be taken care of long after you are gone. It not only safeguards your dependants' long-term financial futures, it also ensures they will have the funds needed to quickly settle your remaining debts, pay your burial and funeral costs, and pay any taxes or expenses related to your estate. For all of these reasons, Direct Life is dedicated to quickly finding you the permanent life insurance protection you need for peace of mind.

Choosing the Right Permanent Life Insurance Policy
There are three basic kinds of permanent life insurance: Whole life insurance, Universal Life insurance, and Variable Universal Life Insurance. Permanent life insurance covers you until you die and combines a death benefit with an investment component, while term life insurance simply provides you with coverage for a set amount of time (anywhere from five  to 40 years). Permanent life policies allow you to build cash value that you can borrow against if you wish, while term life policies traditionally do not.

If you are relatively young and would only like to find coverage for a period of time, a term life insurance policy would be best. It is cheaper than permanent life insurance. However, permanent life insurance is a good choice for people who would like to supplement their retirement and set up an insurance trust that will pay their estate taxes and final expenses from the proceeds.

Choosing the Right Amount of Permanent Life Insurance Coverage
Choosing the right amount of coverage is an important decision that requires some homework. Typically you multiply your annual income by a certain multiple and then add the amount you have in debts, auto loans, mortgages and final expenses. Debts would include items like your outstanding credit card bills and other debts such as the estimated amount of college tuition bills you are planning to pay for your dependents. For auto loans and mortgages, you will need to calculate the total amount in monthly payments needed to pay your mortgages and auto loans off completely or find out any pay off amounts, including yearly interest. Your final expenses would include items like funeral costs, attorney fees, probate court costs and emergency medical expenses.

Direct Life will help answer all of the questions you have about permanent life insurance coverages and take the time necessary to find the best permanent life insurance plan to meet your family's needs. Even if you have been denied permanent life insurance in the past due to a medical condition, our agents will 'shop' your case until we have found the best, affordable life insurance option for you.

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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
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Rate Class:	Preferred Plus Preferred Standard
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Direct Life Insurance Services, Inc.
16450 Bake Parkway Suite 200,
Irvine Ca, 92618
800-719-0374