Frequently asked questions
WHY SHOULD I BUY MY LIFE INSURANCE FROM INTERNET LIFE DIRECT?
Internet Life Direct is a leading life insurance brokerage firm. In a matter of minutes, we compare the prices, features, and financial strength of hundreds of life insurance products from 100+ of the nation’s top insurance companies. Our clients typically save up to 70% on their life insurance.
Many online life insurance services simply "quote" the lowest rate available in the marketplace without regard to important factors, such as a health and lifestyle profile. Consumers apply for the cheapest rates and find out later they do not qualify for the rate "quoted." Often consumers settle and pay much more than they should. At Internet Life Direct, licensed and experienced customer service representatives handle incoming application requests. Our employees are knowledgeable professionals who are able to determine the rates and policies for which you are likely to qualify. Finding you the lowest price is easy. Finding you the best value requires the few additional minutes Internet Life Direct is willing to take.
HOW MUCH LIFE INSURANCE IS ENOUGH?
As a "rule of thumb," experts recommend you purchase coverage at an amount equal to 15 times your salary. Internet Life Direct provides you with a much more accurate and personalized needs analysis. Try our personalized Internet web conference and meet us in person.
Internet Life Direct is a leading life insurance brokerage firm. In a matter of minutes, we compare the prices, features, and financial strength of hundreds of life insurance products from over 140 of the nation’s top insurance companies. Our clients typically save up to 70% on their life insurance.
HOW DO I APPLY?
Internet Life Direct handles the entire process for you. Based on the information you provide, our professional representatives complete your application and mail it to you. All you need to do is review it and mail us your signed application.
DOES IT COST TO APPLY?
No. The insurance company pays for all of the underwriting expenses, including the exam.
WILL I FIND THE SAME PRODUCT FOR LESS THROUGH ANOTHER QUOTE SERVICE, AGENT OR BROKER?
No. A life insurance policy with all the same features will be the same price no matter where you purchase it. Life insurance companies, not agents, set the pricing of the plans.
If you find a plan with a different price than one you’ve been quoted, you may be looking at a different risk class or benefits.
Ask yourself the following questions:
• Did a licensed professional help you determine your risk class?
• Do you know what benefits your purchasing? Was information gathered on your family history, health, height,
weight, medications, tobacco use, hazardous activities, and driving records?
• Were your responses considered in your rate quote or were you simply quoted the overall lowest rate on the market?
To ensure you receive an accurate quote, an Internet Life Direct professional gathers information on your health and lifestyle before determining your risk class. That’s why it’s important that you answer all questions honestly. The rate you’ll receive from Internet Life Direct is the rate for which you will likely qualify.
WHAT FINANCIAL CRITERIA IS USED IN SELECTING A SAFE INSURANCE COMPANY?
Insurance company rating organizations assign letter grades (from A++ to F) to all insurance companies. The letter grades represent the company’s financial strength, integrity, performance and claim-paying ability. Internet Life Direct only represents companies with a rating of A or higher by A.M. Best, the most recognized insurance company rating organization.
WHAT IF I USE TOBACCO?
Rates for smokers are higher than for non-smokers. However, there are a few companies that treat tobacco users more favorably. (For example, one company qualifies cigar, pipes and chew as non-smoking.) knows which companies offer low rates for tobacco users. Applying with one of these companies can save you as much as 50% on your premiums!
HOW DOES INTERNET LIFE DIRECT MAKE MONEY IF THE SERVICE IS FREE?
If you choose Internet Life Direct, as we hope you do, we are paid by the insurance company.
IS THERE A MONEY BACK GUARANTEE?
Yes. If you change your mind during the application process, you’ll receive a full refund, no questions asked. This guarantee continues ten full days after your policy is delivered to you.
