Enables Life Insurance Coverage In Just 15 Minutes

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Get up to $250,000 of term life insurance coverage online within 15 minutes, just by answering a few health questions. No medical exam required!

Spectrum Direct Insurance Services, Inc. has launched a new Web site ( where consumers can buy "instant-issue" Term Life Insurance with no medical exam. brings the entire process to the Internet, eliminating pushy sales agents and medical exams. Once approved, most applicants can purchase up to $250,000 of coverage in approximately 15 minutes.

"Many people put off buying life insurance because they fear the long process, the medical exam and dealing with a sales agent," explains Christopher Snyder, CEO of Spectrum Direct. "Our research indicated that even when prospects could see the value of having life insurance, they often didn't want to get bogged down in the course of buying it." is ideal for convenience-oriented buyers seeking insurance coverage. There are no medical exams required or interactions with sales agents -- putting the process straight into buyers' hands. With the click of a mouse, buyers can fill out an application, get their approval and pay for their policy.

Spectrum Direct, the largest seller of E-commerce Life Insurance in the United States, will add the site to its existing portfolio of life insurance web sites. " fits in naturally with our corporate strategy," says Shawn Schaefer, Marketing Director for Spectrum Direct. "Consumers are buying more and more of life's essentials online, from travel to groceries to big ticket items like cars and mortgages. We thought by simplifying the purchase process we could attract buyers who know they need life insurance but also want the convenience of an online purchase."

The Term Life Insurance Web site gives consumers what they want in an online purchase -- a site that is fast, safe and easy. Qualified applicants can buy up to $250,000 of Term Life insurance issued by Liberty Life Insurance Company, whose financial strength and operating performance have been rated "A" (Excellent) by A.M. Best Company. Even more convincing, the insured client can pay for and manage their Life Insurance account continuously through the Web site.

For additional information about Liberty Direct, please visit

About Spectrum Direct Insurance Services, Inc.:
Spectrum Direct is a life insurance sales and marketing organization, licensed in all 50 states, whose products are entirely internet-based and designed to enable the purchase and management of policies online. They are the largest seller of e-commerce life insurance in the United States.

About Liberty Life Insurance Company:
Headquartered in Greenville, S.C., Liberty Life Insurance Company is part of the U.S. insurance operations of Royal Bank of Canada (RBC). Founded in 1905, Liberty Life enters its second century as one of the Southeast's oldest and largest life insurers, offering life insurance, health insurance and related products through independent agents, direct marketing channels, financial institutions, RBC banking and investment channels, and a field force of over 300 full-time career agents. Additional information may be found at

Contact info
For information on the Liberty Direct Affiliate program, please contact Shawn Schaefer or visit

Shawn Schaefer, Marketing Director

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Bianca Cooper
Spectrum Direct Insurance Services, Inc./Spectrum E-Commerce
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