Product Trends Magazine

About the company: “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.”

The big pitch: Buy up to $150,000 of Term Life Insurance in just 10 minutes! No medical exam. Instant approval. Print policy in minutes. Immediate coverage for qualified applicants. Get a quote in seconds. No cost. No Obligation.

The website at http://www.americanlifedirect.com is an online tool that will help you find the term life insurance you need. You can start by getting a free life insurance quote. In order to determine your life insurance quote, www.americanlifedirect.com, asks you for the state you live in, gender, birth date, and if you smoke or use any nicotine related substances. You plug in this information and receive a quote via your email address. It is quick, free way to obtain a life insurance quote.

American Life Direct will provide you with life insurance without a medical exam and approves qualified applicants in a flash. A medical exam is one of the time consuming hassles that can be avoided when purchasing a life insurance policy from this company.

This sounds too easy. What are the components of the life insurance policies? You can be approved for up a life insurance policy up to $150,000. After you are approved and have made your first payment you have 30 days in which to decide if the plan is right for you. You can cancel your policy within this timeframe for a full refund.

Your policy will be in effect starting after approval and acceptance of first payment. You can purchase your life insurance policy online without the hassle of long forms and pressure from insurance agents. You can apply in the comfort of your own home.

What about the rates? Will they change? No, your rates will remain the same as they were when you were approved for the life insurance policy. The rates will remain at this level for the duration of the policy term you picked. Your benefits will remain the same for the duration of the in-force status of the policy.

Another benefit of using www.americanlifedirect.com is that you can access your account information online. This allows you to access your account anytime day or night. This digital format and flexibility can alleviate the hassle of dealing with excess paperwork.

The Product Trends rating: American Life Direct can provide you with a free life insurance quote within minutes. The advantages include not having to spend time taking a medical exam and dealing with insurance agents. Four stars. —Reviewed by Jillian Dobbs

To try American Life Direct insurance for yourself, click the image below:

About the company: "Money search.com is a loan search Engine, and we’re committed to helping you find a wide assortment of lenders and brokers. Our purpose is simple… to provide you with a simple way to find a local lender and view updated rate comparison surveys from hundreds of lenders and brokers nationwide.”

The big pitch: “Get quotes from multiple lenders with the lowest rates.”

MoneySearch.com provides debt consolidation and personal, auto, commercial, and student loans, in addition to insurance services. This collection of financial resources is a great help when you are trying to choose between various lenders and brokers, as you can view information about each lender and broker quickly through the easy online navigation.

You can search for a Lender by several different loan types including home equity loans, commercial loans, construction loans, refinance loans, and the list goes on. Plus, you can search for Lenders in your specific geographic area. MoneySearch.com does all the hard work for you by providing the information you desire, quickly and efficiently.

MoneySearch says they will search high and low for loan and financial information, for free, and the way they make that happen is with a free loan search engine - how can you beat that? MoneySearch also provides free online financial tools that they claim will be your financial virtual assistant, as well as the added benefit of online calculators. They boast online calculators for mortgages, investments, and leases, allowing you to make informed, researched decisions.

For example, perhaps you are considering refinancing your home. Should you refinance your home or stick with your current loan? Use the mortgage calculator, which will ask you such things as the existing balance on the loan, the monthly payment on the loan, and rate of the new loan, etc. It will take this financial information and crunch the numbers for you, allowing you to make an informed choice.

Another example involves the lease calculator. You can figure out how much you can lease by filling in financial information including lease start date, number of payments, payment amount, and interest rate, and the website does all the thinking for you. Another option, to conduct a free credit report, is just icing on the cake.

MoneySearch can be your one stop shop for finding the best deals on insurance policies, credit card rates, and the loan that will best suit your needs, and in our opinion it’s well worth a look.

The Product Trends rating: Quite honestly, MoneySearch is a valuable financial resource for anyone interested in borrowing money. The online financial calculators take the confusion out of determining which loan is best for you, and we like that but plenty. Four Stars. —Reviewed by Jillian Dobbs

To try MoneySearch for yourself, click the image below: