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Direct Life Insurance – What Does It Mean?

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Getting life insurance sounds like a great thing to do. You’re helping to protect your loved ones from potential financial pressure and giving yourself peace of mind. Then you look at how time consuming it could be, especially when you consider all the potential steps you must go through to get the right policy for you. 

One of the benefits of taking out a policy with Zesty Insurance Agency is that you won’t have to go through a broker. This allows you to take out protection without needing to jump through hoops to get it, giving you peace of mind. You can get a straightforward life insurance policy without all the waiting around and filling out endless forms. It’s important to understand what’s involved with the process so you can get life insurance in place quickly. So, what does it mean to buy direct from an insurer? 

What is buying direct? 

As the name might suggest, rather than having to go through a middleman you can buy insurance direct from us. It means that you can secure an insurance policy over the phone with no long application forms to fill out. The great thing is that you can get a free no-obligation quote over the phone. There’s no commitment needed, you can just investigate it and see what you think. 

When you buy directly, there's no need to go through a broker. Instead, our highly trained team is on hand to find you the right policy for your needs. We explain everything you need to know about Zesty Final Expenses Insurance in a clear and concise manner. Getting coverage in place is simple and can be done over the phone in a matter of minutes. You don’t need to provide a medical check or blood test to get coverage as Zesty Final Expenses Insurance is an acceptance guaranteed policy for Canadian residents aged 40-801.

Things to consider 

One of the benefits of buying direct is that you can get a lot more control over what is included in your life insurance policy. However, this means you should get familiar with a bit of life insurance terminology to help make the process even smoother.

Benefit amount 

A life insurance policy is a legal agreement between you and an insurance company that if you pass away while the policy in in force, you will be paid a specified amount of money. This specified amount is known as the “benefit amount”. During your application you will discuss the benefit amount with a member of our team. It’s important to consider how much money your family might need and how much you would like to leave behind.  

Premium amount 

In order to maintain the coverage that you are paying for you will need to pay a monthly premium. This premium amount is the money that you will pay each month in order to maintain your coverage. It is vitally important that you pay your monthly premium on time each month. This will be agreed during the application. This will be agreed during the application. The cost of your monthly premium will depend on factors such as your age, gender, smoking status and the benefit amount you’ve chosen. 

Level premium 

If you would prefer to know exactly how much you will be paying for the rest of the policy life, you can go for level premiums. This means that the monthly premium you pay will stay the same over the duration of the policy life. You won’t have to worry about anything to do with your policy changing.

Increasing benefit option 

Inflation could impact the value of your life insurance benefit. One way that you can help offset this impact is by choosing the increasing benefit option. If you choose this option your premiums will increase by 4.5% each year and your benefit amount will increase by 3% each year.


This term refers to how long the policy is for, as long as you continue to pay your premiums. So, once you have secured your policy you can sit back and relax with peace of mind that your loved ones will have some financial support when you pass away.  

It’s important to note that you can apply to make changes to your policy at any stage.  

How does it work? 

Getting a life insurance policy with Zesty Insurance Agency is simple and straightforward. Even if you don’t fully understand some of the details on this page don’t be afraid to get in contact with us. Our highly trained agents are waiting to help you on your life insurance journey. In order to get the process started all you’ll have to do is get in contact with us TOLL FREE at . Our team is available from Monday to Friday 9am to 8pm ET.

From there we will ask you a few questions in relation to your benefit amount and other details to do with your policy. Don’t worry though it won’t take long! Once we have those details finalized, we’ll send you all of the information in our welcome pack. From there all you’ll have to do is make sure your monthly premiums are paid and you’ll have coverage for the rest of your life. If you’d like to learn more, you can check out our guide on how life insurance works.

Get life insurance without the stress

We understand you don’t want to be hanging around waiting for quotes and dealing with the uncertainty of whether you’ll be accepted for a policy. With Zesty Insurance Agency you can rest assured that you’ll receive some of the highest quality customer care in the market. You won’t have to sacrifice protection for convenience. We’re waiting to help you get the life insurance policy that suits you and that can help you provide the protection your loved ones deserve.

Call us today about Life Insurance


Not yet available in Quebec.