The experts at Spectrum Life Insurance offer an alternative to that archetypal life insurance agent: a secure site operated by our subsidiary American Life Direct, which allows you to get instant quotes and even instant coverage. At Spectrum Life Insurance, our commitment to excellence is mirrored by the service provided by American Life Direct. Whether you need safe and secure funds for funeral expenses or college tuition, or to offset inheritance and estate taxes, the policies available through American Life Direct will provide you with exactly what you need. Even those of you looking for life insurance for business purposes--perhaps to buy out a deceased partner's stake in the company--can find the perfect policy with the guidance of our professional team at American Life Direct.

Spectrum Life Insurance makes the whole process quick and easy. Just visit the American Life Direct website, and you can get an instant, totally free, and no-obligation quote. After that, you will get an application in the mail and may be asked to get a routine physical examination. Then an evaluation of your overarching medical history will determine eligibility. American Life Direct only associates with the top life insurance companies; indeed, most of our clients are rated A+ or A++. That pickiness translates into superior service for you, because our officers at American Life Direct don't peddle second-rate policies.

Of course, when it comes to Spectrum Life Insurance, you'll always have an easy and hassle-free experience. At the American Life Direct website, you can even get up to $150,000 in term life insurance in less than 10 minutes, if you are 65 or younger. This "Simplified Issue Life" plan includes a 30-day return guarantee. There is simply no plan out there that can be acquired so quickly and efficiently, and when you stop to consider that the premium of the plan does not increase for the term of the policy, you realize just how invaluable and unique this opportunity is.

At Spectrum Life Insurance, we believe the right insurance policy is a right, not a privilege, and we know you agree. Don't settle for less than the best, especially when the best can truly secure the financial future of your most precious gift: your family. With the features offered by American Life Direct, you can get superior life insurance without paying an arm and a leg. If you're looking for a life insurance agent, American Life Direct has proven experience and expertise in acquiring first-rate life insurance for consumers just like you.