Specializing in term life insurance products, Spectrum Direct has provided nearly $4 billion in benefits to over 250,000 consumers. Spectrum Direct is licensed in all 50 states and the District of Columbia. Inc. Magazine honored us as one of "America's Fastest Growing Companies" in 2007, 2008, 2009 and 2010. Spectrum Direct is a charter member of the Life Insurance Direct Marketing Association (LIDMA), a national non-profit organization dedicated to excellence in life insurance. We are proud members of the Better Business Bureau (rated A+).