Many insurance agents offer "instant term life insurance," but most of these companies offer nothing more than instant term life insurance quotes. Remember, quick quote term life insurance and instant term life insurance are not the same thing. Receiving a quick quote is often just the first step on the long road toward being insured.

Spectrum Direct has addressed the problem of slow life insurance processing in a number of different ways. First, the insurance companies we choose to partner with are all known for having quick turnaround times. In other words, they process applications quickly and efficiently.

After receiving your instant term life insurance quote from one of these companies via the Spectrum Direct website, you will fill out an application. In addition to reviewing your application, the insurance company will review your medical records, and will require a routine physical exam. Don't worry--Spectrum Direct will pay for this exam, which is quick and easy. The exam usually takes about 30 minutes, and can take place in your office or home, for your added convenience.

Spectrum Direct offers a second solution for those who want more than just quick quote term life insurance. For our customers who want to be fully insured within minutes, we offer "the world's fastest life insurance policy." Known as "Simplified Issue Life insurance," this policy requires no medical exam, and no examination of your medical records. Incredibly, applying and paying for this plan takes less than 10 minutes from start to finish.