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What is American Life Direct? We happen to be the very best life insurance brokerage firm in the industry. We only represent life insurance companies with first-rate scores, with most them in the stratosphere of A+ and A++ ratings. These are companies you can trust, not fly-by-night providers who won't be there when you need them. We are also devoted to finding life insurance high risk consumers just like you excellent coverage without exorbitant premiums.

If you are a life insurance high risk, and looking for smoker life insurance in particular, then American Life Direct can help you. With our simple application process, you can get an instant online quote and be well on your way to finding smoker life insurance in just five minutes. If necessary, we will contact you for a routine physical and evaluate your medical history for eligibility.

American Life Direct is, simply put, the fastest and most effective life insurance brokerage firm out there. It does not matter if you are a life insurance high risk; we can still secure you a superior policy. We suggest term life insurance at a younger age, with an eventual conversion to permanent life insurance to fix your premiums at one level.