“The first thing you need to be concerned with is buying insurance to provide for your family,” said Sy Alter, President of Spectrum Direct Insurance Services, Inc, owner of www.AmericanLifeDirect.com, the World’s Fastest Life Insurance Policy. “The main breadwinner should be the first one covered but possibly not the only one covered. It is crucial to replace the income the top earning spouse would have produced in the event of their untimely death.” offered Alter, “Replacing that person’s income is the most important function of a life insurance policy.”

Following that advice would lead you to insure either the husband or wife, or perhaps both, and leave the children with no insurance coverage. It makes sense, since school aged children often are not earning any income that the family would lose in case of their death. Many parents still wish to keep a modest amount of insurance coverage for their offspring, perhaps to cover burial charges, or pay off medical bills. If modest coverage is the goal, www.AmericanLifeDirect.com offers an optional Children’s Rider coverage of up to $10,000 which is available when purchasing instant issue term life insurance on this site.

The Optional Children’s Rider coverage is available for children ages 0-18 years and both the benefits and the premium amount are guaranteed for the life of the term policy that covers the parent. The coverage will end at the child’s 25th birthday or the insured’s 65th birthday. With a rider for coverage, the children don’t need to take a medical exam, and even more important, by purchasing the coverage on www.AmericanLifeDirect.com all the coverage goes into effect once you’ve completed the on-line purchase which takes less than 15 minutes. Whether a buyer chooses to buy insurance coverage for his or her children or not is a personal decision, but it’s nice to know that it can easily be accomplished on line at www.AmericanLifeDirect.com.

For additional information on the American Life Direct Affiliate program, please contact Shawn Schaefer or visit www.AmericanLifeDirect.com.

About Spectrum Direct:
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.

Contacts:
Shawn Schaefer, Marketing Manager
949-600-7904
www.AmericanLifeDirect.com