DirectTerm
Affordable life insurance coverage for as long as you need it
DirectTerm® is term life insurance your family can use to replace income or pay debts in the event of your death. It provides a tax-free payment to your beneficiaries, giving them financial security when they need it the most.
Easy to Apply
- Qualify for immediate coverage by answering a few personal and medical questions
- Complete your application process online, without ever having to speak to an agent
Immediate Insurance Coverage
- You’re covered from the day we approve your application – even before you pay your first premium
- Receive free Accidental Death Insurance if we need more time to consider your application
Choose the Amount
- Get $25,000 to $5 million in coverage, in increments of $1,000
- Calculate how much you need
Choose the Coverage Period
- Get coverage for the number of years you need – from a minimum of 10 years to a maximum of age 85
- If you need 13 years or 17 years, that's the term you purchase
Convert to Permanent Insurance
- Turn your DirectTerm policy into permanent insurance without evidence of insurability
- Last chance to convert to permanent insurance is five years before your coverage ends, to a maximum age of 65
Guaranteed Monthly Premiums
- Your monthly premiums will never increase
Collect AIR MILES® Reward Miles
- Get AIR MILES® Reward Miles – starting at 228 miles for a 10-year policy
- Tell us your AIR MILES Collector number to start earning AIR MILES® Reward Miles
30-day Money Back Guarantee
- Cancel your policy within 30 days for a full refund
