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Term Life Insurance
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Term Life Insurance

You may have heard that it's important, but what exactly is term life insurance? We put together some information that may help you when it comes to deciding on what policy is best for you. When you're ready, get your free life insurance quote and see just how affordable a term life policy can be.

What is term life insurance?

  • Term life insurance is a policy with a pre-set amount of coverage that is guaranteed for a certain amount of time or “term.” This option can be the most affordable of life insurance policies, as they generally have very low monthly payments, but rates could change once the term is up. The policy usually does not have a cash surrender or loan value.

Why do I need term life insurance?

  • Term life insurance can give you peace of mind when it comes to your family’s financial health. Should the unthinkable happen, your policy could help pay for unexpected medical bills, school bills, funeral costs, and loss of income. No matter what your age, term life insurance can help support your family and loved ones after your passing. Learn more about how life insurance can help take care of your family.

What kind of coverage does Direct’s term life insurance offer?

  • We provide peace of mind when it comes to covering you and your family with features that include: one-year term life insurance that provides up to $25,000 of coverage; standalone life insurance so you have the option to insure other members of your family; guaranteed renewal for two years at the same rate without regard to your health.

Who gets the benefits of my life insurance policy?

  • You choose the beneficiary or beneficiaries for your policy. In the event of your death, your beneficiaries will receive the benefits listed on your policy as long as the term of your policy has not lapsed.

Is it difficult to get Term Life Insurance?

  • Direct makes it easy. There are no hoops to jump through, so can easily get covered. How easy? No medical exam is required -- simply answer a few health-related questions. We also offer flexible payment options -- you pick the due date of your payment to fit your budgeting needs. When you have auto insurance through Direct, you can pay for your auto and life policy at the same time and at the same place. 

Can I get life insurance for my family?

  • You can insure yourself, your spouse, and your child (min. age 18 years old, max. age 60 years old). In addition, your policy is guaranteed to renew for two years at the same rate with no regard to your health, giving you and your family peace of mind.

Want to learn more?

  • To learn more about our term life insurance or to get a free quote visit one of our knowledgeable agents at a location near you, visit us online at DirectGeneral.com, or call us at 1-877-GO-DIRECT (1-877-463-4732).


 
Get Your
Quote



or retrieve an online quote
Find a store

Get Your
Quote
or retrieve an online quote

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