Finding a free term life insurance quote online is the simplest and most convenient way to zero in on a great term life insurance plan. There are literally millions of sources for finding a free term life insurance quote online, but we at Spectrum Direct feel confident that our service is the very best. Unlike many insurance brokers, Spectrum Direct partners only with those life insurance companies that offer the very best policies.

A great policy is more than just a policy with a low monthly premium. Yes, competitive monthly premiums are important, and when you find a free term life insurance quote online with Spectrum Direct, you'll notice that many of the listed premiums are very, very low. We demand more from our insurance partners than just low premiums, however. Our partners offer fast turn around times, great conversion plans, and exceptional financial ratings.

Partnering with those companies that offer quick issue life insurance is also important to us. After all, finding your free term life insurance quote online quickly is just the first step. Having your application processed quickly is just as important. Until your insurance application is approved, your family is not protected by the insurance plan.

Most quick issue life insurance requires a quick, efficient medical examination. The vast majority of term and permanent life insurance plans will require you to undergo a simple physical exam. Spectrum Direct will be happy to send a physician directly to your office or home, to perform this unobtrusive exam for free.

For those interested in obtaining life insurance very quickly, without the need for a medical exam, we offer "Simplified Issue Life insurance." If you are under 65 years of age, and are in the market for less than 150,000 dollars of coverage, then simplified issue life insurance may be right for you. Keep in mind, this type of insurance plan usually has higher premiums than more traditional plans, but it offers unbeatable convenience and speed. You will be required to fill out a health questionnaire as part of your online application, and it's extremely important that you answer this questionnaire truthfully and thoroughly. However, because the health assessment takes place entirely online, you can apply for, qualify and pay for simplified issue life insurance in less than 10 minutes.