It's a fact--smokers not only pay more for their life insurance, they also have to submit to medical tests and answer more specific health-related questions than non-smokers. The options in good, affordable coverage also decline as a smoker ages. An agent can provide you with a smoker term insurance quote, but can he or she get you the coverage you need quickly and without them usual hassles?

If you are like most people, you would have to answer "no." Fortunately, there is a way to get a smoker term insurance quote and quality no medical exam term life protection in minutes, without invasive testing or a lot of questions. American Life Direct offers instant quotes for smokers and a fast application process that gets your policy put in place in just ten minutes.

Our instant coverage for smokers is called Simplified Issue Life, and it is the smart way to purchase your term life policy. It starts with a smoker term insurance quote, available within seconds on our site. We give you several different options in no medical exam term life coverage. Simply choose the amount of protection you need and fill out the online application. If you qualify for your policy, you can pay the first premium and get your coverage instantly.

American Life Direct gives smokers a better option for purchasing term life insurance. A smoker term insurance quote offers the best rates on term insurance, and our simplified process gets you covered in a fraction of the usual time. You will never have to deal with an agent, and we are always available to assist you. Let us make it easy for you to get good term life coverage.