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Fidelity Life Review 2024

Reviews 1,279
Fidelity Life
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Fidelity Life
Fidelity Life
Excellent
Reviews 1,279
Kale Havervold
Apr. 17, 2024
3 min read
Kale Havervold
Fidelity Life Summary
Fidelity Life is a life insurance provider founded in 1896. It offers multiple types of term and whole life insurance, final expense insurance, and a variety of riders to customize your coverage. The application process is quick and easy. Some policies offer same-day approval, and you won’t need to undertake a medical exam in many cases. Policies begin at $15 a month, and feature 10–30-year terms and up to $2,000,000 in coverage.

Pros

  • Fast approval, often same day
  • Multiple policies with no medical exam required

Cons

  • No live chat functions
  • Standard term life only available to those aged 65 and under

Fidelity Life at a glance

7.2
Editorial score

Coverage type

Offers both term and whole life insurance, often with no medical exams required.
8.0

Customization of policies

Customizable rates and deductibles, upgrades and downgrades available, decide whether to buy with an agent or buy online.
6.0

Customer services and support

Multiple communication options, ability to speak to an agent.
8.0

Online experience

Site is easy to use, but doesn't display all relevant information.
6.0

Direct insurer?

Yes, direct insurer.
8.0

Fidelity Life Fidelity Life Visit Site

Who Can Benefit from Fidelity Life?

Fidelity Life can benefit anyone who wants fast, flexible, and affordable term life insurance. You can get approval in as little as a few minutes, often without the need for a medical exam. There are many types of coverage on offer for people between 18 and 85 years old.

Those who want to customize their life insurance policy can benefit from Fidelity Life, as the company provides not only a range of riders but also plenty of choices when it comes to your term and coverage amount. No matter your budget or needs, you should be able to find a policy that works.

Features

Fidelity Life term life insurance has a range of policy options for different budgets and lets you quickly get the coverage you need. 

You can customize your coverage with anywhere from 10- to 30-year terms, and amounts range from $5,000 to $2,000,000. If your plan requires a medical exam, you have six months to schedule it once you’re approved.

Here’s a roundup of the main highlights:

●      Free online quotes

●      Quick and easy application process and approval

●      No need for a medical exam in many cases

●      Useful term life insurance calculator and insurance guides

●      Helpful customer support over the phone or via email

●      A wide range of insurance riders to extend your coverage, such as a terminal illness rider and inflation rider

Application Process

You begin the application process by providing a few items of basic information about yourself (age, gender, ZIP code, overall health condition, and employment status). Fidelity Life will then match you with a selection of policies.

Next, choose the policy that works best for you and customize your terms to request a quote. You can do this online or, if you would like some assistance, over the phone.

If you’re happy with your quote, you can apply and buy over the phone with the help of an agent, or even online in some cases. Some plans may require a medical exam, but if the company deems you healthy enough, they might waive this.

I like how quick the application process is and the fact that the company can often get you covered on the same day you apply.

Policy Types and Terms

Fidelity Life offers two term life insurance policies: RAPIDecision® Life and RAPIDecision® Senior Life Term. RAPIDecision® Life is designed to help individuals at many different stages of life feel more comfortable about the future. These policies come in 10-, 15-, 20-, and 30-year terms and start at $15 a month. To qualify, you must:

●      Be between 18 and 65 years old

●      Need coverage between $50,000 and $2,000,000

It can be a good option to secure affordable life insurance before you get older, and it becomes more expensive. RAPIDecision® Senior Life Term is a plan specifically for seniors, to help protect them and their families as they age. These policies are available in 10-, 20-, and 30-year terms, and start at $17 a month. To get approved for these policies, you must:

●      Be between 50 and 70 years old

●      Need coverage between $10,000 and $150,000

The company also offers final expense policies through Whole Life coverage that help you cover end-of-life expenses like medical bills or funeral costs. Applicants must:

●      Be between 50 and 85 years old

●      Need coverage between $5,000 and $35,000

In addition to these policies, Fidelity Life offers numerous insurance riders. These let you add additional benefits to your coverage that are not included in most base policies, such as:

●      Accidental death benefit

●      Family accidental death benefit

●      Terminal illness rider and accelerated death benefit

●      Child insurance policy rider

●      Inflation protection rider

●      Return of Premium Rider

How Safe Is It?

The company has a long, 100+ year history in the business and holds an A+ rating with the Better Business Bureau. It also maintains a rating of 4.6 out of 5 on Trustpilot, with nearly 1,000 reviews, which I feel is a good indication of its safety and reliability.

Fidelity Life takes your security seriously. The company uses procedural, physical, and electronic safeguards to protect personal information. Only authorized staff who need to know specific personal information to do their jobs will have access to it.

I like how the privacy policy states the kind of information Fidelity Life collects, what it might share, and who it may share the information with.

Help and Support

If you need assistance, Fidelity Life provides customer support via email or over the phone. You can reach out Monday-Friday, 8am-5pm (CT).

The site includes a helpful FAQs section covering topics such as how to buy the right amount of coverage and what factors influence the cost of insurance. In addition, the site features a glossary and several articles that go over the fundamentals of life insurance to ensure everyone knows the basics before making a purchase.

There is also a term life insurance calculator on the website. By entering some personal information like income, debt, expenses, and age, you can get a better idea of what you may be paying.

Phone: 800-369-3990

Email: service@fidelitylife.com

Bottom Line

With a history dating back well over 100 years, Fidelity Life is a trusted name in the life insurance industry. It offers a variety of policies with coverage and terms that you can customize to fit your needs and budget. You can get free quotes online, and applying is easy. Approval is fast, and depending on your situation, you may not need a medical exam for coverage to begin.

Physical Address

1350 E Touhy Ave Suite 205W, Des Plaines, IL 60018, USA

Kale Havervold
Written by
Kale Havervold
Kale Haverold is a freelance writer with over 5 years of experience crafting articles about credit cards, loans, debt, and a raft of other personal finance topics. His work has been featured on Top10.com, BestMoney, Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles stem from his passion to share knowledge that helps readers make informed financial decisions.
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Trustpilot reviews
See what some customers are saying about Fidelity Life
Excellent • Reviews 1,279
on
Excellent
78%
Great
8%
Average
3%
Poor
2%
Bad
9%
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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Cy
Cynthia
2 days ago
Not Much To Tell
Not Much To Tell, It Was Extremely Quick & Easy.
Pa
Patricia
2 days ago
Extremely happy with my experience
My experience with Fidelity far exceeded my expectations. On several occasions I made changes to my policy. I contacted my agent and he returned my call immediately, was more than patient and made the changes I requested. I received my new policy timely, had a question. I called Fidelity, talked to a representative who answered my question immediately.
Ma
Mary
2 days ago
How to get a customer to trust you through phone conversations
My experience was good thanks to the Julius Johnson for his advice and expertise
Jo
Johnnie
2 days ago
Really explain everything to me and I was very satisfied with what I was getting with my life insurance.
Taking enough time to explain everything to me and asking me if there was anything else I needed to know and making sure I was satisfied with what I got in the end.
Al
Allison
3 days ago
Good customer service
Good customer service! Makes buying insurance nicer. Also, you all have better better rates.
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