We are an Independent Insurance Agency, which means we work for you not the insurance company. Get a life quote to compare the rates of top-rated companies tailored to your specific needs and circumstances. View all Medicare plans in your area, in real time. New to medicare, recent move to area, or loss of group insurance might qualify you for enrollment outside the normal enrollment period.
Contact us for details. View all health plans, both on and off the Marketplace. Special circumstances might qualify you for enrollment outside the normal enrollment period, such as losing your health coverage, moving, getting married, having a baby, or adopting a child.
Contact us for details. View all health plans, both on and off the Marketplace. Special circumstances might qualify you for enrollment outside the normal enrollment period, such as losing your health coverage, moving, getting married, having a baby, or adopting a child.
Services
At Insurance Direct we strive to make your search to find the best coverage as streamlined, convenient and worry-free as possible. Our carriers include industry leaders such as Banner Life, American General, (AIG), Transamerica, Protective Life, Lincoln National Life, MetLife, Prudential, Voya, Symetra, AXA, Accordia Life, Principal National, and John Hancock.
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
The premium and death benefit are designed to stay level during the term of the contract. The premiums can be either guaranteed* or not guaranteed. When purchasing a level term life insurance policy be sure you are aware of the guaranteed* premium period. Once you have been approved and placed the policy in force with the first payment, the insurance company is obligated to keep the policy in force as long as you keep paying the premiums. You are not obligated to pay, but once you stop paying, the policy will lapse after usually a 30 day grace period.
Permanent life insurance provides lifelong protection and is known by a variety of names. These policies are designed and priced for you to keep over a long period of time. If you don't intend to keep the policy for the long term, it could be the wrong type of insurance for you. Most permanent policies including whole, ordinary, universal, adjustable and variable life have a feature known as "cash value" or "cash surrender value."
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