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About Us




About WeAreTermLife


WeAreTermLife is brought to you as a cooperative effort between two respected insurance organizations: American General Life Insurance Company and Spectrum Direct Insurance Services, Inc. The purpose of WeAreTermLife is to provide a simplified quote request process for consumers wishing to apply for and obtain life insurance via the internet. We have designed the website to be streamlined and efficient for those shopping for competitively priced quality term life insurance.






About AIG American General
AIG American General member companies have been protecting the hopes and dreams of American families for nearly a century. Although the organization has retained its Houston base, today it bears little similarity to the simple operation that began with one man's dream.

With more than 4,000 employees and customer service centers across the country to serve our producers and customers, AIG American General insurers now rank among the top insurance providers in North America.

AIG American General owes its success over the years to one simple principle — being a loyal partner of American families and the advisors who help safeguard their security.

About Spectrum Direct: Meet the Founders

Christopher Snyder
Chartered Life Underwriter & Chartered Financial Consultant
Chief Executive Officer

Christopher Snyder is a seasoned insurance professional, with more than 25 years of experience in the life insurance industry. As a founder of Spectrum Direct, one of the most prominent life insurance organizations in the United States, he is a recognized expert on the topic of web-based life insurance best practices and an authority in his field of endeavor. Often called upon to speak at prestigious professional conferences he has addressed the International Business Forum, the Institute for International Research, the Society of Actuaries National Meeting and the Enrolled Actuaries National Meeting. A Charter Member of the Life Insurance Direct Marketing Association (LIDMA) as well as member of the LIDMA Website Design Committee, he also serves as Charter Member of the Consumer Life Insurance Education Foundation. In addition, Mr. Snyder received Chartered Life Underwriter, the highest-level designation available in the life insurance profession, as well as the Chartered Financial Consultant professional designations from the American College, Bryn Mawr in Pennsylvania.

A well-respected authority on various insurance products, Mr. Snyder's articles appear in many relevant publications including "Pensions & Investments," "Options Newsletter," "Credit Matters" and many other well-read publications. Insurance companies including New York Life, Pacific Life, AIG, Financial Guaranty Insurance Company, Nationwide Life, American Life of New York and others, have retained Mr. Snyder's expertise and services on a regular basis.

Mr. Snyder received his Bachelors degree from Gannon University in Erie, Pennsylvania and his Master's degree from the University of Santa Monica, California. As a speaker and consultant, as well as CEO of Spectrum Direct, Mr. Snyder conducts presentations at prestigious conferences and is available for consultations and speaking engagements.

Seymour Alter
Chartered Life Underwriter
President

Seymour Alter is a veteran insurance professional with more than three decades of experience in the life insurance arena. Mr. Alter specializes in areas of insurance, estate planning, buying and selling insurance, deferred compensation and corporate benefits. He maintains a solid track record of success working closely with families, doctors, lawyers and other high profile individuals and businesses. Mr. Alter has also developed a lofty level of expertise providing life coverage to individuals with health impairments ranging from by-pass surgery, hepatitis, diabetes, sleep apnea as well as various types of cancers and other maladies.

As a founder of Spectrum Direct, one of the most prominent life insurance organizations in the United States, he maintains a reputation for professionally providing an objective and qualified response to his client's needs. Known for his community minded activities, Mr. Alter also teaches continuing education to CPA's and other professionals sharing his expertise in the areas of insurance, estate and retirement planning. He is a Charter Member of the Life Insurance Direct Marketing Association, Charter member of the Consumer Life Insurance Education Foundation and also a member of the LIDMA Electronic Signature Committee. Mr. Alter received the Chartered Life Underwriter Professional Designation in the insurance industry from the American College, Bryn Mawr, Pennsylvania. He is a graduate of Brooklyn College with a degree in Mathematics and completed his education at St. John's University Graduate School.

Licensing

Our corporate headquarters are located at 27881 La Paz Rd., Suite G-157, Laguna Niguel, CA 92677.

     California OBO5917
     Minnesota IN-20302718
     Louisiana 283658
     Utah 141503
     Massachusetts 1765753
     Texas 1116685