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Everything About Direct Term Life Insurance

Published On Nov 03, 2021 10:00 AM By Gunjan Anand

The purchase of a term insurance policy earlier used to be offline and involve several steps. It involved visiting the insurer branch, going through the paperwork and waiting for weeks for approval. This brings the requirement of Direct Term Insurance, which tends to deliver the policy coverage direct to the customer without any hurdle especially through an online means. Let’s dig in to know more about direct term life insurance.

What Is Direct Term Life Insurance?

Direct Term is a term life insurance plan which gives you coverage for a specific period such as 10 years, 30 years and so on. If the policyholder suffers sudden demise, the plan will come into force and loved ones of the policyholder will become entitled to get the cash payout as per the policy coverage. 

Term life insurance offers the most flexible and affordable coverage. It is considered best to be purchased directly from a life insurance company, rather than an intermediary or independent agent. Direct term life insurance is known with several names in the insurance sector like online consumer insurance, direct life insurance, direct-to-consumer life insurance, etc.

Benefits of Direct Term Life Insurance

A direct term life insurance policy gives financial security as well as peace of mind for policyholders with different benefits given below: 

1. Convenience

The facility of direct term life insurance brings a lot of convenience for policyholders. To purchase a direct term insurance policy online means that you can purchase the plan at your convenience while sitting in the comfort of your home. You can easily get the ideal terms and conditions which suit you as well as your family.

2. Fast Process

The direct term insurance process helps you to get the research for your policy done in minutes. While filling the application through online mode, policyholders may have to answer a few questions on the quote application form and a list of insurers will appear. Once you choose an insurance company, you just have to pay for it and its coverage will start. 

3. Customisation

The entire process of direct term life insurance comes with the customisation facility. The question that you will answer will help insurers to know about your needs and they will allow you to proceed in a personalised manner. Different insurance companies hold a chatbox feature if you need any assistance while making an application for direct term life insurance.

4. No Medical Test

The top reason due to which people buy direct term life insurance is that most of the insurance companies offer such insurance plans without making you undergo any medical examination test. However, insurance companies may ask you some health or medical-associated questions to confirm that they are giving you the protection under the right policy.


In this technologically advanced world, direct term life insurance has come up being an ideal and right choice for people. This facility makes you shop easily for direct life insurance online without making an appointment with an insurance agent. You can easily get policy quotes related to life insurance instantly. The direct term life insurance policy provides you real-time updates about your policy during the purchase that helps you to not get dependent on a third party for information.

Also read - Basic Things Related to Nominees in Term Insurance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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