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. Seymour Alter is the licensed agent. Information submitted in an insurance application will be used by Liberty Life in accordance with it's privacy policy. The product is available to US and Canadian citizens residing in the United States. This product is not available in every state or 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 the time of application. To Be Used With Form Number ST(01-03), et al.