Life Insurance Company information about American Life Direct

About American Life Direct
The Original E-Commerce Life Insurance Website

You'll be glad to know that the term life insurance product featured on this site is provided by Liberty Life Insurance Company, whose financial strength and operating performance has been rated "A" (Excellent) by A.M. Best. "A" (Excellent) rating is the third highest rating out of 16 possible ratings by A.M. Best.

The American Life Direct website is owned and operated by Spectrum Direct Insurance Services, Inc. We are a life insurance sales and marketing organization whose products are entirely Internet-based and designed to enable the purchase and management of policies online.

Licensing:
Our corporate headquarters are located at 27881 La Paz Rd., Suite G-157, Laguna Niguel, CA 92677 (CA License # 0E97501). Insurance is offered through Spectrum's licensed agent, Seymour Alter, Chartered Life Underwriter, who is licensed and appointed with Liberty Life Insurance Company in the following jurisdictions:

State	License #	State	License #
Alabama Arizona Arkansas California Colorado Connecticut Delware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Iowa Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana	A199082 123756 234588 OBO5917 NPI130691 1070625 167892 AI1023119 A004779 AGN611659 NR316538/VID213187 AL092578 102328742 IA254403 410775 102328742-999 DOI541198 283658 PRN82428 NA1164612 1637316 263353 IN-20302718 102328742 0303137 2004 001 912921	Nebraska Nevada New Hampshire New Mexico New Jersey New York North Carolina North Dakota Oklahoma Ohio Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming	AG284181 81310 371238 656763 IP-8104378 LA-954522 102328742 102328742 948827 83741 179191 238329 1055354 102328742 0004974553 858567 1116685 141503 299497 102328742-67172 596JF 418933 2406057 65304

About Liberty Life Insurance Company

Licensed in 49 states and the District of Columbia, Liberty Life Insurance Company has been providing Americans with affordable insurance protection since 1905. With over $18.7 billion of life insurance in force as of 12/31/05, our policies are backed by a strong balance sheet and a conservative investment philosophy that has produced exceptional financial stability. Our financial strength and operating performance has been rated the 3rd (or third) highest rating of "A" (Excellent) by A.M. Best.

NAIC #65323
Liberty Life Insurance Company
PO Box 789
Greenville, SC 29602-0789


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Need Help? Call Us Toll Free:
1-800-952-3491

This web site is owned and operated by Spectrum Direct Insurance Services, Inc. in accordance with its privacy policy and is not affiliated with Liberty Life Insurance Company or HSBC. Seymour Alter is the licensed agent. Information submitted in an insurance application will be used by Liberty Life and HSBC in accordance with their privacy policies. The Liberty Life product is available to U.S. and Canadian citizens residing in the United States except for residents of New York and Alabama who are eligible for HSBC products. The products are not available to individuals residing outside the U.S. Two (2) year contestability and suicide period (1 year in CO and ND). In MO, suicide within 2 years does not prevent payment of benefits unless suicide was intended at time of application. Liberty Life Form Number ST(01-03), et al.

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SPEC-ALD (05-06)