There’s a reason term life is the most popular life insurance. Term life policies are often the most flexible and affordable. Fidelity Life designs our term life products to provide term lengths and coverage amounts that work for hard-working families. Plus, our process makes it simple and easy to get covered, fast.
Our RAPIDecision® term life offerings, including RAPIDecision® Life and RAPIDecision® Senior Term, work to qualify you quickly so you can feel confident your family is protected.
| Term Life | Whole Life | |
|---|---|---|
| Length of Coverage | You choose a term length (10, 15, 20, 30 years) based on your needs. | Your coverage lasts your lifetime, as long as you pay your premium. |
| Premium | Term life premiums are usually the most affordable. | Whole life premiums are more expensive than term premiums for same coverage. |
| Medical Exam | A medical exam is not always required. | A medical exam is usually required–but not with Fidelity Life. |
| Guaranteed Payout | Yes, a payout is guaranteed for the duration of your term as long as premiums are paid. | Yes, a payout is guaranteed for the life of your policy as long as premiums are paid. |
| Cash Value | A term life policy does not build a cash value. | A whole life policy can build tax-deferred cash value. |
There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.
If there’s anyone in your life who depends on you financially, you need life insurance. A simple and affordable option, term life insurance helps you protect those you love if the worst happens. Term life offers flexible coverage for a set period of time, making it a great choice for many growing families. If you die while the policy is active, your family can receive a cash payout from your insurance company to help replace your income, take care of day-to-day expenses, pay off leftover debts, or save.
Wonder if it’s the right fit for you? Talk to an agent to explore your options.
At Fidelity Life, we offer a broad range of term life policies for every age and stage of life. As you shop for a policy, here’s what to expect.
Term life is the most popular life insurance choice in the market, with benefits that include:
Less than you might think. A recent LIMRA study found that most people overestimate the cost of life insurance by 300%. In reality, A 20-year Fidelity Life term life policy with $250,000 in coverage can cost just $17.62 a month for a healthy 30-year-old woman.
Some of the factors that can influence the cost of your policy are:
At Fidelity Life, we have options for virtually every need and budget. Give us a call to explore options.
Term life policies are designed to meet a variety of needs. You can choose your own term length of up to 30 years, along with the amount of coverage you need to protect your family financially.
To customize your plan even further, you can add riders to your life insurance policy. These are add-ons to your policy that offer extra protection, typically for an additional cost. At Fidelity Life, we offer riders for accidental death, child insurance, policy inflation protection, and more. Learn more about life insurance riders here.
In some cases, yes. A medical exam confirms the health information you gave when applying and helps determine your eligibility and rates. It usually includes height and weight checks, blood and urine tests, and a health questionnaire.
Fidelity Life is committed to making your medical exam as simple as possible. We use technology to determine whether you’ll need to take a medical exam and can even waive it, in some cases. If you do need an exam, you have the option to delay it for up to six months and still get covered immediately, so you can have peace of mind right away. Learn more about medical exams.
Read more about life insurance, including how premiums and payouts work.
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