For many people, the need for a good insurance policy is an immediate one. If you cannot wait the usual processing time to get a policy into place, you do have options. A no physical life insurance policy may be the answer. It bypasses some of the steps that are normally taken, and usually gets you covered within minutes.

With Spectrum Direct, getting your no physical life insurance policy is a quick and easy process, done electronically at our site. There are no forms to fill out and only a short questionnaire to complete. Through our affiliation with American Life Direct, we can bring our customers the world's fastest life insurance, and instant coverage with no medical exam needed.

The process is completely paperless, and your term life insurance policy goes into effect as soon as you sign it online. Coverage ranges from $50,000 to $150,000 worth of term life insurance with premiums that can be charged to your credit card or electronic funds transfer (EFT). You avoid the paperwork and delays associated with the traditional life insurance process with no sacrifice in coverage.

Another attractive feature of our no physical life insurance policies is the 30-day money back guarantee that allows you to review your policy and cancel if you are dissatisfied in any way. We will refund your premium payment with no obligation to you. A no physical life insurance policy is the no hassle way to get quick term life insurance coverage, brought to you by Spectrum Direct and American Life Direct.