Direct term life insurance is a type of term policy that you can buy directly from the insurance company, instead of through an agent or agency. It provides coverage during a specific period of time, usually 10, 20, or 30 years, in exchange for guaranteed benefits and lower premiums. If you die while your policy is active, a cash payout, known as the death benefit, is given to your family so they can use it to cover short- and long-term financial needs. Direct term life insurance is one of the most affordable, flexible, and simple types of life insurance available.

Some advantages of direct term life insurance include faster approval, personalized quotes, and lower premiums. Since the policy is valid for a limited period of time, it is a good alternative for people looking for coverage for specific periods of their lives or specific reasons. Applying for direct term life insurance online from an agency or insurer is simple, convenient, and affordable.

It is important to note that direct term life insurance is a type of term life insurance, which provides a death benefit that pays the beneficiaries of the policyholder throughout a specified period of time. Once the term expires, the policyholder can either renew it for another term, possibly convert the policy to permanent coverage, or allow the term life insurance policy to lapse.