Terms of use

Last updated 2026-09-17.

Who we are

Direct Life Advisors is an independent life insurance agency. Kervenson Joseph is the licensed agent behind it, license number WW886363, licensed in all 50 states. We are an agency, not an insurance company. We do not issue policies, we do not pay claims, and we cannot access anyone's policy records.

What this site is

The pages on this site are general information about life insurance, about companies that write it, and about companies that used to. They are not advice about your particular situation, and they are not an offer of any specific policy. Nothing here creates coverage. Coverage begins when an insurance company issues a policy, and only then.

Accuracy

We source what we publish and date it. Company names, ownership and contact details change, and a page accurate on the day it was checked can be out of date later. Where a page names the source and the date it was checked, that is what the statement rests on. If you find something wrong here, call us and we will correct it.

Naming other companies

We name insurance companies throughout this site so that readers can find the company that holds their policy. Naming a company does not mean it endorses us or that we speak for it. Trademarks belong to their owners.

How we are paid

You pay us nothing. When someone buys a policy through us, the insurance company pays us a commission. That is the only way we are paid, and it is disclosed on every page where we offer to help.

Links

We link to insurance companies, state insurance departments and other outside sources. We do not control those sites and we are not responsible for what they publish.

Limits

This site is provided as it is. To the extent the law allows, Direct Life Advisors is not liable for losses arising from reliance on general information published here. Decisions about your own coverage should be made with a licensed agent who knows your situation — ours or someone else's.

Contact

Direct Life Advisors · (888) 753-8706