Terms & Conditions
Updated September 11, 2026
1. About this website
Direct Life Advisors provides general information about life insurance and a way to request a conversation. We are not an insurance carrier. Availability of products and services depends on the relevant state, insurer, licensing, and eligibility requirements.
2. Who may use the quote form
The quote-request form is intended for adults age 18 or older. Provide accurate information about yourself or contact us to discuss a request on behalf of another person. Do not submit another person’s information without appropriate authority.
3. Information and estimates
Website descriptions are general and do not replace a policy, illustration, application, or insurer disclosure. Any example is explanatory rather than an offer or guaranteed price. Actual premiums and benefits depend on the insurer and its underwriting.
4. No coverage created online
Submitting this form does not create, change, or bind coverage. A request confirmation only means that we received the request. Insurance begins only after the insurer’s requirements are satisfied and coverage is effective under the contract.
5. Permission to respond
If you submit the form and check its consent box, you request follow-up calls or emails from Direct Life Advisors about your inquiry. This consent is not a requirement to purchase insurance. You may ask us to stop follow-up contact. Additional consent would be required for communications outside the permission given.
6. Your responsibilities
Use the site lawfully. Do not send false requests, malicious code, unsolicited advertising, or material that infringes another person’s rights. Do not attempt unauthorized access to the staff inbox or interfere with the service.
7. Website materials
The Direct Life Advisors name, original design, copy, and original assets are used for this website. Other names and marks belong to their respective owners. You may read and share links to the public pages for personal use.
8. Third-party services
Hosting and call tracking may be provided by third parties. Their own terms apply to their services where relevant. A link or technical integration does not make Direct Life Advisors responsible for every action of a third party.
9. Availability and accuracy
We work to keep the site useful and accurate, but interruptions and errors can occur. We may correct information or change features. Contact us to verify details that are material to an insurance decision.
10. Professional advice
The website does not provide individualized legal, tax, investment, or medical advice. Discuss those matters with an appropriately qualified professional. An advisor conversation does not guarantee underwriting approval or a particular financial result.
11. Applicable rights
These terms do not remove rights or protections that applicable law does not allow to be waived. Questions about a particular policy are governed by its documents and the law that applies to that policy.
12. Updates
We may revise these terms as the site changes. The date above indicates the current version. Continued use of the site is subject to the then-current terms to the extent permitted by applicable law.
13. Contact
For questions about the site or these terms, contact Direct Life Advisors using the telephone number shown on the website. Do not use the general quote form for an urgent claim, payment, or cancellation request to an insurer.