About Liberty Direct
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 Liberty 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 | A199082 | Montana | 912921 |
| Arizona | 123756 | Nebraska | AG284181 |
| Arkansas | 234588 | Nevada | 81310 |
| California | OBO5917 | New Hampshire | 371238 |
| Colorado | NPI130691 | New Jersey | IP-8104378 |
| Connecticut | 1070625 | New York | LA-954522 |
| Delaware | 167892 | New Mexico | 115665 |
| District of Columbia | AI1023119 | North Carolina | 102328742 |
| Florida | A004779 | North Dakota | 426203 |
| Georgia | AGN611659 | Ohio | 83741 |
| Hawaii | NR316538/VID213187 | Oklahoma | 948827 |
| Idaho | AL092578 | Oregon | 179191 |
| Illinois | 102328742 | Pennsylvania | 299443 |
| Indiana | 410775 | Rhode Island | 1055354 |
| Iowa | IA0000000254403 | South Carolina | 102328742 |
| Kansas | 426203 | South Dakota | SD-0004974553 |
| Kentucky | DOI541198 | Tennessee | 858567 |
| Louisiana | 283658 | Texas | 1116685 |
| Maine | PRN82428 | Utah | 141503 |
| Maryland | NA1164612 | Vermont | 299497 |
| Massachusetts | 1765753 | Virginia | 102328742-67172 |
| Michigan | 263353 | Washington | 596JF |
| Minnesota | IN-20302718 | West Virginia | 418933 |
| Mississippi | 0303137 2003 001 | Wisconsin | 2406057 |
| Missouri | PR153647 | Wyoming | 65304 |
About Liberty Life Insurance Company
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