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Term life insurance is a great way to help protect your loved ones if anything were to happen to you. And luckily enough, it can be extremely affordable. But when it comes to choosing the term life insurance policy that’s right for you and your family, it’s important to make sure all your bases are covered.

Here are some questions you should ask before choosing your term life insurance policy:

What is term life insurance?

This is always a great place to start. Term life insurance is a policy with a pre-set amount of coverage that is guaranteed for a certain amount of time (a term). Term life insurance policies generally have lower premiums, but they do not build cash value. This type of policy makes life insurance extremely affordable, allowing you to pay only for the coverage you need.

What does term life insurance cover?

Should the unthinkable happen, this policy could help pay for unexpected medical bills, school bills, funeral costs, and loss of income. A term life insurance policy could help support your family and loved ones if something were to ever happen to you.

How much coverage do I need?

This is based on how much money your loved ones might need and how much debt you might have to pay off. We can help you determine the exact number with regards to your current and future financial situation.

How much coverage does Direct Auto Insurance offer?

Depending on the state you live in, Direct offers individual 6-month and 12-month term life insurance at levels of $10,000, $15,000, or $25,000.

Do I need to take a medical exam?

Not for a Direct term life policy. All we ask is that you answer a few health-related questions.

Can I get insurance for my family?

You can insure yourself, your spouse, and your child (min. age 18 years old, max. age 60 years old). In addition, your policy is guaranteed to renew for two years at the same rate with no regard to your health, giving you and your family peace of mind.

I’m more of a visual learner. Do you have a video I can watch?

Of course. Check out our whiteboard video on term life insurance below.

Where can I learn more?

We’re glad you’re interested! To learn more about term life insurance with Direct or to get a free quote, visit one of our agents at a location near you, call us at 1-877-GO-DIRECT (1-877-463-4732), or visit us online here.


*Individual term life insurance by Direct General Life Insurance Company, Policy: 58TL02010713.  Material in these articles is for general information or entertainment purposes only. Direct General does not endorse and is not affiliated with any of the other companies or apps listed in this article. Direct General is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners.