Every day we approach the possible that people probably won’t talk directly to an insurance agent to cover themselves for life insurance.
And that’s not bad:
More customers are fully skipping companies and agencies to the 3rd country and will be direct. Buying life insurance directly and online is what seems to be the future of insurance.
There is a way to cover yourself directly with a life insurance company without an agent and at its own pace. Some companies do not even offer a medical examination for life insurance.
Today I will give you a more up -to -date definition of what the words Direct insurance means how you can get life insurance quotesAnd how can you go directly without needing an agent.
What is directly life insurance?
It seems that direct term insurance has several different online definitions; However, I think my definition is more accurate for its meaning and more modern.
So, first:
What is the term life insurance
At its core, time life insurance is a protection against loss for a certain period. The periods range from 5, 10, 15, 20 and 30 years. There are different types of fixed -term policies such as level, classified, increasing and decreasing. These products are always the most accessible and will give you the biggest coverage. This is honest the most basic information you can get at a time life insurance. You can look at our final guide for more information about things, how long life insurance is or how the life insurance works work.
What is the definition of the direct term for life insurance
Direct insurance, at its core, is a type of life insurance offered online, where users can handle the insurance company directly. You can take every step of the process of buying life insurance without dealing with an agent and you can walk at your own pace.
Why choose a direct timely life insurance company
Going directly with an insurance company can be a great thing. Some direct advantages include:
- You can avoid dealing with insurance agents
- The opportunity to apply for your own tempo insurance
- Send updates on the status of your policy immediately
- Get an account to make any forms of changing policy or print
If the speed of the application process and quick approval are important to you, then obtaining life insurance with an insurance company will directly be the best decision you can make.
How much does a direct time life cost insurance?
Thehe Average price per direct time life insurance It will vary depending on the gender, the size of the coating and the length of the term. Prices can ranges from $ 22 per month to $ 93 per month and are based on quotes for a 20-year period of $ 500,000, an insurance policy for a consumer that is not in good health.
How much does a direct time life cost for women?
Thehe Average price per direct time life insurance for a woman it $ 22 a month in your 30s$ 33 per month at 40 and about $ 71 per month at the age of 50.
How much does a direct time life cost for men?
Thehe Average price of a life insurance period for a man it $ 28 a month in his 30s$ 39 a month at 40 and about $ 93 per month at the age of 50.
How to Get Direct Life insurance Time Offers
Thehe The fastest way to get Direct insurance Quotes are to use our quotation tool. We do not need personal information to make you an immediate offer.
The best direct time -limited life insurance companies
Below is a list of the best direct time -limited life insurance companies. These companies are mostly new in the industry and have created a whole new space for the industry.
Ethos
ETHOS is the latest entry into the field of direct life insurance. They offer up to $ 10 million in life insurance online. They are one of the few companies that offer up to $ 2 million without life insurance.
Check out our ethos review here.
Dari
Bedow is the second latest entry into the field of direct life insurance. They offer the only true product for life insurance without an exam on the market. They created internal signing technology that allows signing and approval of 5 minutes.
Check out our Dark review here.
Ladder life
Life Life is a more new participant in this direct life insurance industry and has come up with a unique concept of how someone should use life insurance. They believe in a stairs coverage system up and down depending on your specific situation and needs. This is a solid concept of how you can manage your life insurance payments based on current life events and I am sure you will be caught soon.
You need to look at our ladder review.
The life of the tissues
LIFE LIFE is one of the most recent entry into the world of direct life insurance. They offer both a product for random death and a full -time life insurance product. They offer random death policy to put you in thinking to have coverage, especially when you are more young. You can then upgrade to a full -time life insurance policy.
Check out our tissue review here.
Sample prices for direct life insurance period
Direct time -limited life insurance graphics for men
*Prices are based on male non -smokers in preferred health, looking for 30 years of coverage.
|
Age |
$ 250,000 |
$ 500,000 |
$ 1,000,000 |
|---|---|---|---|
|
23 years |
$ 18.92 |
$ 31.00 |
$ 56.00 |
|
29 years |
$ 20.38 |
$ 33.08 |
$ 60.17 |
|
33 years |
$ 21.63 |
$ 36.42 |
$ 66.83 |
|
39 years |
$ 28.29 |
$ 49.75 |
$ 93.50 |
|
43 years |
$ 38.71 |
$ 71,42 |
$ 136.83 |
|
49 years |
$ 66.63 |
$ 124,75 |
$ 243.50 |
Direct term life insurance graphics for men (tobacco)
*Prices are based on a smoking man in preferred health, looking for 30 years of coverage.
|
Age |
$ 250,000 |
$ 500,000 |
$ 1,000,000 |
|---|---|---|---|
|
23 years |
$ 59.54 $ |
$ 110.17 |
$ 214,33 |
|
29 years |
$ 72.25 |
$ 126.83 |
$ 247.67 |
|
33 years |
$ 81,42 |
$ 142.67 |
$ 279.33 |
|
39 years |
$ 127,46 |
$ 238.08 |
$ 470.17 |
|
43 years |
$ 180.79 |
$ 350,17 |
$ 694.33 |
|
49 years |
$ 271,63 |
$ 536.00 |
$ 1066.00 |
Direct time -limited life insurance graphics for women
*Prices are based on a woman who is not smokers in preferred health seeking 30 years of coverage.
|
Age |
$ 250,000 |
$ 500,000 |
$ 1,000,000 |
|---|---|---|---|
|
23 years |
$ 15.58 |
$ 25.17 |
$ 44,33 |
|
29 years |
$ 16.63 |
$ 26.83 |
$ 47.67 |
|
33 years |
$ 17.46 |
$ 28,92 |
$ 51,83 |
|
39 years |
$ 24.33 |
$ 39.75 |
$ 73.50 |
|
43 years |
$ 32,04 |
$ 56,42 |
$ 106,83 |
|
49 years |
$ 49.96 |
$ 92.67 |
$ 179.33 |
Direct term life insurance graphics for women (tobacco)
*Prices are based on female smoking in preferred health seeking 30 years of coverage.
|
Age |
$ 250,000 |
$ 500,000 |
$ 1,000,000 |
|---|---|---|---|
|
23 years |
$ 46.21 |
$ 82.67 |
$ 159.33 |
|
29 years |
$ 54,33 |
$ 97.25 |
$ 188.50 |
|
33 years |
$ 59.75 |
$ 109.75 |
$ 213.50 |
|
39 years |
$ 72.04 |
$ 138.08 |
$ 270,17 |
|
43 years |
$ 101,21 |
194,75 dollars |
$ 383.50 |
|
49 years |
$ 174,54 |
$ 337.67 |
$ 669,33 |
The future of direct time life insurance
Several life insurance companies enter the arena, such as Sagicor Life with their Sagicor product now and give their products for immediate life insurance. I see that the direct life market is growing rapidly and in the end more and more companies will follow the example. I will continue to update this post as more and more companies like Ethos, Pordow & Sagicor are beginning to make their suggestions more.
Taking action
Choosing a direct fixed -term insurance policy is super easy and will help you keep your family secure. There really is no reason to keep your life insurance, you can click on one of the above buttons or use our offers tool above to get started.
Frequently asked questions
Is my fixed -term insurance good idea?
The term insurance is a great idea because it sets you able to have a large size of life insurance for a very small monthly premium.
Can you win a life insurance policy?
Unlike a whole life insurance policy, the term life insurance policy cannot be redirected. The fact that these policies do not build monetary value is another reason for them to be so affordable.
Do you get your money back at the end of the life insurance?
At the end of the term life insurance policy you do not receive your money, these policies cover you for a fixed term and then end. If you pay for a return to a premium rider; However, you can return the money you paid for the policy.
What happens when a life insurance policy ripens?
When a life insurance policy matures, you will have to let it cancel it or renews, if you decide to renew the premiums of the policy, you will increase.
How long do I have to keep a life insurance for life?
You need to maintain life insurance as long as possible. The more you are when you buy the coating the longer length you need to buy. Always try to go for a period of 20 or 30 years.