Frequently Asked Questions

Why should I use LifeInsuranceDirect?

LifeInsuranceDirect helps simplify the life insurance research and buying process. We’re here to answer your life insurance questions or help you if you’re not sure where to start. We offer affordable life insurance plans from the nation’s most recognized insurance providers.

What companies does LifeInsuranceDirect work with?

We work with some of the nation’s most recognized insurance providers. We work on behalf of these life insurance carriers in order to provide competitive rates and multiple coverage options.

How much life insurance do I need?

The right amount of life insurance coverage depends on your personal situation. There are several factors to consider. Our licensed insurance agents are available to help you determine how much coverage you need to help protect your loved ones. Simply call 1-888-350-4651.

What is the difference between term and permanent life insurance?

Term life insurance policies provide coverage for a specific period of time, whereas permanent life insurance policies can provide coverage for a lifetime.

Do I need a medical exam to qualify for a policy?

A medical exam is required for some, but not all, life insurance policies. We offer guaranteed acceptance life insurance policies that do not require a medical exam. These policies offer an easy and quick way to obtain quality life insurance protection. To learn more about guaranteed acceptance life insurance policies, please call 1-888-350-4651.

How do I apply for life insurance?

If you want to begin the life insurance application process, please fill out the form on this page. After you submit your information, one of our licensed insurance agents will call and help you find the life insurance policy that is right for your coverage needs. If you want to get started immediately, please call 1-888-350-4651.

How long do I need life insurance coverage?

The length of time you will need a life insurance policy may vary based on your age, coverage needs and other factors. If you are like many people, the bulk of your life insurance needs may encompass your working years when you may have a family that relies on your income, living expenses and a mortgage. Your life insurance coverage needs may lower after you retire if you and your spouse have sufficient savings for daily living and medical expenses, although you may want a smaller life insurance policy for final expenses. Our licensed life insurance agents can help recommend the right type of policy for your coverage needs.

How often should I review my life insurance policy?

You should review your life insurance policy when a major life event occurs, such as starting a new job, getting married or having a child. It’s important to review your current life insurance policy when these events occur because you might need to increase or decrease your coverage. The timing varies for each person. For example, if you enrolled in a term life insurance policy to help secure your mortgage, and you just paid it off, you may want to reduce the policy benefit amount, which could reduce your premium costs.

Can I get a refund if I don’t want my policy?

If you purchase a life insurance policy, some states require your insurer to give you a short period of time to cancel the policy and get a refund. Life insurance companies are often legally required to provide a “free look” period that lasts from several days to one month from the date that the policy is confirmed. If you cancel during this period, the insurance company must refund any premium payments that you have paid. After the free-look period, you can still cancel your policy at any time without further obligation, but you may not get a refund.

Should my spouse get life insurance coverage?

If your spouse contributes in any way to the family, it’s likely that he or she may need a life insurance policy. Consider what would happen if you lost a spouse who contributes to your family’s income or provides any caregiving services for your children and family. A life insurance policy may help provide the necessary financial protection in this situation.

Why should I use LifeInsuranceDirect?

LifeInsuranceDirect helps simplify the life insurance research and buying process. We’re here to answer your life insurance questions or help you if you’re not sure where to start. We offer affordable life insurance plans from the nation’s most recognized insurance providers.

What companies does LifeInsuranceDirect work with?

We work with some of the nation’s most recognized insurance providers. We work on behalf of these life insurance carriers in order to provide competitive rates and multiple coverage options.

How much life insurance do I need?

The right amount of life insurance coverage depends on your personal situation. There are several factors to consider. Our licensed insurance agents are available to help you determine how much coverage you need to help protect your loved ones. Simply call 1-888-350-4651.

What is the difference between term and permanent life insurance?

Term life insurance policies provide coverage for a specific period of time, whereas permanent life insurance policies can provide coverage for a lifetime.

Do I need a medical exam to qualify for a policy?

A medical exam is required for some, but not all, life insurance policies. We offer guaranteed acceptance life insurance policies that do not require a medical exam. These policies offer an easy and quick way to obtain quality life insurance protection. To learn more about guaranteed acceptance life insurance policies, please call 1-888-350-4651.

How do I apply for life insurance?

If you want to begin the life insurance application process, please fill out the form on this page. After you submit your information, one of our licensed insurance agents will call and help you find the life insurance policy that is right for your coverage needs. If you want to get started immediately, please call 1-888-350-4651.

How long do I need life insurance coverage?

The length of time you will need a life insurance policy may vary based on your age, coverage needs and other factors. If you are like many people, the bulk of your life insurance needs may encompass your working years when you may have a family that relies on your income, living expenses and a mortgage. Your life insurance coverage needs may lower after you retire if you and your spouse have sufficient savings for daily living and medical expenses, although you may want a smaller life insurance policy for final expenses. Our licensed life insurance agents can help recommend the right type of policy for your coverage needs.

How often should I review my life insurance policy?

You should review your life insurance policy when a major life event occurs, such as starting a new job, getting married or having a child. It’s important to review your current life insurance policy when these events occur because you might need to increase or decrease your coverage. The timing varies for each person. For example, if you enrolled in a term life insurance policy to help secure your mortgage, and you just paid it off, you may want to reduce the policy benefit amount, which could reduce your premium costs.

Can I get a refund if I don’t want my policy?

If you purchase a life insurance policy, some states require your insurer to give you a short period of time to cancel the policy and get a refund. Life insurance companies are often legally required to provide a “free look” period that lasts from several days to one month from the date that the policy is confirmed. If you cancel during this period, the insurance company must refund any premium payments that you have paid. After the free-look period, you can still cancel your policy at any time without further obligation, but you may not get a refund.

Should my spouse get life insurance coverage?

If your spouse contributes in any way to the family, it’s likely that he or she may need a life insurance policy. Consider what would happen if you lost a spouse who contributes to your family’s income or provides any caregiving services for your children and family. A life insurance policy may help provide the necessary financial protection in this situation.

How do I get the best price on a life insurance policy?

Comparison shopping can help you get the best price on a life insurance policy. The first step is to decide which type of life insurance policy fits your coverage needs. Second, you should compare different life insurance companies that offer this type of life insurance policy. You can get started immediately by filling out the form on this page or by calling one of our agents at 1-888-350-4651. When you call, you will be connected with a licensed insurance agent representing one of our carrier partners.

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