Pricing

Affordable, term life insurance coverage

Melissa, how much will it cost?

You want a price now. I get it! Despite what anyone tells you, it's just not that simple. One thing I can tell you is that life insurance is WAY more affordable than you think. Studies show consumers overestimate the cost of coverage by 3-5 times. 

That means you can easily fit buying a policy into your budget. Why don't I show rates on my website?

Here's the deal, life insurance prices are calculated by insurance carriers who review several factors of a person's health and lifestyle profile.  

Although you may find online quoters across the internet, your rate is NEVER finalized until the company has a chance to do underwriting. 

Getting a quote online for life insurance isn't ideal. The best way is to speak with a qualified professional. They can give you your options in just a few minutes. 

Working with an agent allows them to shop around for you taking a lot of leg work off your plate. When you choose me as your agent, you won't get any high pressure sales speech. Just quality, life insurance information. 

Together we'll come up with a life insurance strategy that is designed to truly protect the ones you love. 

That my friends, is how you get the right price on life insurance. Are you ready to get started?

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Food For Thought

One reason using an online quote tool for life insurance prices isn't ideal is the fact that you may not know what you need. Life insurance is more than numbers.

It's a good idea to think about your budget, how much you have in place, what amount are you missing and who you need to protect. 

Consider the following questions first:

  • How much can you afford to pay?
  • How much coverage do you need?
  • Who will be your beneficiary?

An experienced broker, like myself, can help you figure these out fast. That way you can move on to getting a price on a plan that fit your specific needs. Instead of some generic offer you found online!

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Ready to be a hero?

Melissa is an experienced life insurance agent that offers affordable coverage through top rated companies. She strives to make the process smooth for her clients. She'll help you be a hero and protect your home front with life insurance!

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Top Rated Life Insurance Companies

Melissa works with reputable, financially secure life insurance carriers whom offer competitive prices. 

Principalprotectivenorth americanbanner lifesblisagicortransamericaMutualofomahaprudential

 

aigforestersassuritygerberusbaamerican nationaljohnhanncockmbalincoln financial

Melissa offers specialized life insurance information to military families, parents and business owners. 

Military Servicemembers

There are two reasons to supplement the SGLI plan. To provide proper protection for your loved ones and ensure easy portability when exiting the service.

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Military Spouses & Children

Military spouses need more life insurance! The FSGLI provides a maximum of $100,000 which is not enough. Experts recommend at least $250,000 additional for spouses.

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Military Veterans

Exiting the service comes with a list of to dos! Make sure you're getting the best rate! Although the VGLI is a great benefit, it is not competitive compared to private market plans.

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New, Single & SAH Parents

Did you know the coverage you have at work usually won't be enough to protect your children? New, single and stay at home parents have unique life insurance considerations. It's wise to get a review to find out how much you need as a parent. 

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Business Owners

Starting up or running a business sure takes a lot of effort. Make sure your American Dream is financially protected with common plans such as coverage to fund a buy sell agreement, key person to protect the company if you lose a valuable employee as well as coverage for a SBA loan requirement. 

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I used Melissa for my life insurance middle of last year and had a great experience. She tried diligently to something within our budget and still within the coverage amount that worked for us. She keeps in good contact with us as well and asks about how our little family is doin and she always remembers their names and what we last talked about. It's refreshing to find someone so personable. Before I "met" Melissa, I was completely dreading life insurance shopping!

Samantha

It was a pleasure working with Melissa for my life insurance needs. She was very responsive to my questions and helped me understand what options I had available.

Kim

I specifically worked with Melissa and was referred to her by a friend. She made the process quite simple and never attempted to up sell me on any type of policy, rather, she educated me on life insurance policies (this is my first time getting a policy). While the process to actually become insured takes some time, Melissa always stayed in contact to let me know what was happening and followed up with any questions I had. She was also great about never being pushy and was kind enough to follow up when I had forgotten to reply to an email or phone call. I would definitely highly recommend!

Shannon

Melissa made the insurance buying process as streamlined and easy to do as possible across three states with multiple parties involved. She kept us to date at each juncture and patiently answered our dozens of questions.

Starlette

Melissa was a great asset to my family when searching for Life Insurance that fit into our military family structure as well as my growing business. She was very open to providing any and all information I needed to make a decision quickly and effectively. I would recommend Melissa to any person considering life insurance to bring peace of mind to their family whether military or civilian.

Lynn

When our financial adviser suggested we buy extra term life insurance and exchange one kind of policy for another, he suggested we try Direct Life Insurance Quotes.com. I called the company along with three other large insurers to see which would come through with the best offer. Direct Quotes won hands down for both policies. No one could meet their price even after I showed competitors their quotes. From there, the staff made it easy to comply with all the requirements and saw me through every step of the complicated exchange process, which took months. Great prices. Great service. I would recommend them to anyone.

Laurent

After I got married, I realized the importance of life insurance, but I felt overwhelmed when I started researching policies. Melissa found a great rate for my life insurance policy and tailored her suggestions to my unique situation. She patiently explained the policy and was helpful throughout the process. I highly recommend Melissa.

Sydney

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