What Is Direct Term Life Insurance?

Direct life insurance allows you to get the coverage you want, when you need it.

A pregnant couple using their phone to get a life insurance quote

Perhaps the easiest way to understand direct life insurance is by using its other name – DTC, or direct-to-consumer. As this phrase implies, we’re talking about a term life insurance policy that you buy directly from a life insurance company or agency—usually online—without going through an insurance agent or other type of intermediary.

Before we go any further, here’s a quick explanation of life insurance, direct or not: A “term” is a type of life insurance that gives you a certain amount of coverage for a set period of time, usually 10, 15, 20, or 30 years. It is an easy-to-understand, affordable type of life insurance that provides financial stability and helps you protect your loved ones during the years when they need it most. (For a detailed breakdown of how life insurance works, click here.)

The fact that term life insurance is so simple is one of the reasons why applying for it makes sense for many. While there are types of life insurance that may be more difficult to navigate without professional help (such as whole or permanent life insurance), the term isn’t usually one of them.

Applying for life insurance online directly from an agency or insurance company is simple, convenient and affordable. Here are some other advantages:

In this article:

Speed ​​- if you want it

For many people, the biggest attraction of direct life insurance is that you can usually check off your to-do list fairly quickly. Just answer a few questions and create a personalized quote online from an agency like Haven Life, which offers term life insurance issued by MassMutual and its subsidiary CM Life. If you like what you see, you can apply online, and if approved, you can start life insurance coverage that day.

Direct Life Insurance also allows you to apply for life insurance coverage at your convenience. If you want to get quotes for different levels of coverage, talk about options with your partner, or just sleep on it for a while, you can. no one will call you and harass you; There is no pressure to buy a life insurance policy. You can go at your own pace, and do it when it’s convenient. Is Sunday night the best time for you? Well, the internet never sleeps. Direct life insurance allows you to do this whenever you feel it is appropriate.

Minimal guesswork

Often with a direct life insurance digital purchase experience, the insurance company or agency takes your application information and reviews it in real time to offer you a personalized rate. Now, there may be some changes to the life insurance rate once you get a medical (if you need one), but overall, the rate from the digital buying experience is fairly accurate (if I’m being honest while viewing life insurance quotes) and practical. application).

You are not alone, unless you want to be

If you know exactly how much coverage you want—say, a 20-year life insurance policy worth $500,000—you can apply for it in a matter of minutes. On the other hand, if you are unsure of the level of coverage best suited to your needs, Haven Life has an online life insurance calculator that can help you determine the appropriate amount and length of coverage, based on your circumstances (including, but not limited to, your salary, and your You depend on them, and what you want your policy to cover.) This can also help you determine if you’re comfortable with, perhaps, a life insurance premium without the hassle of talking to a sales person.

There are no obligations or embarrassment

With direct life insurance, while the algorithms are very complex, they don’t have feelings. So you can get as many quotes as you want for your chosen coverage amount before making a decision. This helps you find the best life insurance policy, premium, and coverage amount at your own pace. While there are humans behind Haven Life hoping to choose a Haven Term policy, ultimately they just want you to have the type of life policy coverage that provides financial stability for your loved ones. There are no obligations, just choices.

And choice, in the end, is what direct life insurance is all about. You can choose the best life insurance coverage that you want, when it is convenient for you, and you can go straight to the source to get it. Think of Mubasher as a way for you to get life insurance on your own terms.

Our editorial policy

Haven Life is a customer-centric, backed-up life insurance agency wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe that making decisions about life insurance, your personal finances, and your overall wellness can be very simple.

Our editorial policy

Haven Life is a customer-centric, backed-up life insurance agency wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe that making decisions about life insurance, your personal finances, and your overall wellness can be very simple.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services, or strategies discussed here, but we hope they can make your life less difficult if they are appropriate for your situation.

HavenLife is not authorized to provide tax, legal, or investment advice. This material is not intended to provide, and should not be relied upon as, tax, legal, or investment advice. Individuals are encouraged to seek advice from a tax advisor or legal advisor.

Our disclosures

Haven Term is a life insurance policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively by Haven Life Insurance Agency, LLC . In New York, the Haven Term is DTC-NY 1017. In CA, the Haven Term is DTC-CA 042017. Haven Term Simplified is a simplified term life insurance policy (ICC19PCM-SI 0819 in certain states, including NC) issued About CM Life Insurance Company, Enfield, CT 06082. Policy and rider numbers and features may vary by state and may not be available in all states. Our agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by AM Best as A++ (Superior; highest category out of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received mixed ratings from other rating agencies.

Haven Life Plus (Plus) is the marketing name for Rider Plus, which is included as part of the Haven Term policy and provides access to additional services and benefits at no cost or at a reduced rate. Passenger is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for providing the benefits and services accessible under Plus Rider, which are provided by third-party vendors (Partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus

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  • The process was really simple and easy. Nobody bothered you with phone calls. The amount was exactly like the quote.

  • I highly recommend Haven Life Insurance to anyone who needs life insurance. As a family with young children, my wife and I wanted peace of mind knowing our children would be taken care of if anything were to happen to us. After having a 10+ year life insurance purchased through an agent, we realized it wasn’t enough due to high inflation and the added responsibilities of having kids. After researching our options, we decided to use term life insurance and found Haven Life to be the best option for us. The online quote process was incredibly easy and flexible, allowing us to get a quote for coverage without the need for medical exams. The rates were incredibly reasonable, and we were able to get cover covered within a few days. My wife was able to get hers in a matter of minutes! Overall, I highly recommend Haven Life Term Insurance to anyone who needs life insurance

  • My experience with Haven Life was amazing from start to finish. After working tirelessly with brokers and getting quotes that were hard to understand online, I found Haven Life and I’m so glad I did. Haven Life’s respectful and understandable approach to issuing something as important as life insurance and doing so in a straightforward manner is why I recommend Haven Life to my loved ones and friends alike.

  • Excellent and very intuitive experience! Highly recommended!

  • The application was simple and got a large no-medical life insurance approval within 48 hours. Great follow up and easy process.

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