Fidelity Life Association has been helping families since 1896.
With over $32 billion of life insurance in force and $420 million in assets as of 2019, Fidelity has helped a lot of families.
Rating as of 2019 and subject to change
Fidelity was one of the first to offer accelerated life insurance and makes it very easy to get a policy if you meet the criteria.
They are one of the best life insurance companies available for smaller face, no hassle life insurance policies.
You have a choice of term life insurance, whole life and final expense policies.
Fidelity has a unique approach to underwriting.
They will approve a policy first and then give you 6 months to complete the required exam.
Because the policies do not require traditional underwriting, exams, etc. the pricing tends to be more expensive.
Three term life insurance options are available:
RAPIDecision Life is a term life policy (“all-cause benefit) blended with an accidental death benefit.
Underwriting is a non-medical process…initially.
As an example, the issued policy blend might be a 30% term life, 70% accidental policy.
You would then have up to 6 months to complete a paramed exam.
Once complete and approved by underwriting, the policy would then become 100% term life.
If you didn’t complete the paramed exam, the initial blend (30/70 in this example) would become permanent.
In some cases, the initial policy may be issued with 100% term life insurance coverage from the beginning.
RAPIDecision Express is underwritten on a simplified issue, accept or reject basis.
There are a series of 9-10 health and non-medical questions.
Underwriting then checks your motor vehicle record, prescription database, and the MIB – Medical Information Bureau.
If approved, your policy will be issued.
Senior Term Life is a graded death benefit term life insurance policy.
Most cases do not require an exam.
This is a graded death benefit whole life insurance policy.
Graded Death Benefit Details for term and whole life policies:
We have other graded whole life insurance policies available from American General that are worth comparing to.
You may reach customer service at 855-961-0346
Policy information is available by logging in – here
Corporate headquarters is located at:
8700 W. Bryn Mawr Avenue, Suite 900S – Chicago, Illinois 60631
Fidelity Life insurance is a good company to consider when looking for smaller life insurance policies with accelerated underwriting.
Please take a few minutes to submit your quote request.
We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.