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This web site is owned and operated by HydraMedia, LLC and is powered by American Life Direct. American Life Direct is owned and operated by Spectrum Direct Insurance Services, Inc. in accordance with its privacy policy. American Life Direct is not affiliated with Liberty Life Insurance Company or Garden State Life Insurance Company. Seymour Alter is the licensed agent. Information submitted in an insurance application will be used by Liberty Life and Garden State Life in accordance with their privacy policies. The Liberty Life product is available to U.S. and Canadian citizens residing in the United States except for residents of New York and Alabama who are eligible for Garden State Life products. The products are not available to individuals residing outside the U.S. Two (2) year contestability and suicide period (1 year in CO and ND). In MO, suicide within 2 years does not prevent payment of benefits unless suicide was intended at time of application. Liberty Life Form Number ST(01-03), et al; Garden State Life Form Numbers GSA22, GSA23NY;GSA040, GSA040NY.