Term Life
Our patented term life insurance combines high coverage amounts and affordable premiums.
Fidelity Life offers 10-year term life insurance to help individuals at all stages of life feel confident about the future. RAPIDecision® Life 10-year term policies are a flexible and affordable option, with lower premiums than longer terms.
10 YEARS
*Rates are based on a 30 year-old employed female in good health.
Fidelity Life offers flexible term lengths, including a 15-year term life insurance product.RAPIDecision® Life 15-year term policies are often an affordable choice for many people.
10 YEARS
*Rates are based on a 30 year-old employed female in good health.
A RAPIDecision® Life 20-year term policy from Fidelity Life helps individuals secure longer-term coverage at affordable rates. Whether you’re ensuring your income is replaced or debts are paid, you’ll know there’s financial protection for your spouse, partner, or young children.
20 YEARS
*Rates are based on a 30 year-old employed female in good health.
A 30-year RAPIDecision® Life policy offers financial protections during the decades you and your family are most likely to need it. Rather than renew at the end of a shorter term, and risk a premium increase, you can rest easy knowing your policy’s premiums are level for 30 years.
30 YEARS
*Rates are based on a 30 year-old employed female in good health.
Many people just don’t have the time to find the right life insurance. With a job, kids, a partner, and other responsibilities to juggle, there never seems to be enough time to shop around.
Our RAPIDecision® Life plan is built to help you buy life insurance quickly and affordably. With traditional life insurance policies, it could take up to eight weeks to apply for your policy, schedule and take a medical exam, and wait for results before getting any coverage. Now, we’ve simplified the process.
With RAPIDecision® Life, you’ll get:
Tell us about yourself, and we’ll match you to available life insurance policies that meet your needs and work with your budget.
Select the life insurance policy that works best for you. We’ve made it fast and easy to get a quote online or to connect with one of our agents.
Check getting life insurance off your to-do list. We’ll walk you through the application and purchasing process. Coverage often starts the same day.
Our innovative RAPIDecision® Life product allows us to offer affordable, high-coverage policies right away to many of our customers. By combining real-time electronic non-medical underwriting support with information from public databases (like Motor Vehicle Registration or MVR), you have protection from day one. Typically this day one coverage is a blend of all-cause and accidental death coverage, but in some cases you may be able to receive a 100% all-cause policy right away
With blended coverage, you have six months to go through full medical underwriting after your coverage starts. If your results show your initial underwriting was accurate, your coverage moves to 100% all cause. If your results show something that would lead to your policy being declined elsewhere, don’t worry. With Fidelity Life, your blended coverage remains intact. Nothing is conditional or temporary, once you’re covered, you’re covered.
Fidelity Life is committed to helping you find the right life insurance. For more than 100 years, we’ve been helping everyday people like you get the life insurance you need and the peace of mind you deserve. Our mission is to work with you throughout your life. Whether just starting out, raising your children, or getting ready to enjoy retirement, we design products with families like yours in mind.
You can feel confident we’ll be there for your loved ones because we carry an A+ rating from the Better Business Bureau as well as an A- rating (Excellent) from A.M. Best Company, the oldest and most widely recognized provider of ratings for the insurance industry.
Our commitment to our customers, and their families, shows up in our innovative products and our top-notch customer service.
Term life insurance is designed to replace your income and cover financial responsibilities, both immediate and long term, so you can protect those you love. Many people like to have seven to 10 times their annual income in coverage, but every situation is different.
When calculating your life insurance needs, and while comparing life insurance quotes, consider expenses like:
Also take into account any savings, assets, or other cash sources, like investments. The difference between the expenses you need to meet and your assets is a good indication of your coverage amount.
Even if you do have savings, it can be difficult to save enough to cover all your family’s current and future needs. That’s where buying life insurance comes in: You spend a little each month for a potentially big payout if your family needs it, all through your life insurance coverage.
It’s also important to get the coverage you need, both amount and term length, as soon as possible. Costs will only rise as you get older, so a life insurance policy will never be cheaper than it is right now.
You have up to 6 months to complete your medical exam after buying RAPIDecision® Life
As with any life insurance company, in some cases, yes. With RAPIDecision® Life, we’ve designed the medical exam process to be as convenient as possible. While most life insurance companies require you to take a medical exam before you’re approved, your RAPIDecision® Life coverage can start the same day you apply in many cases. You then have up to six months to complete your medical exam at a time that works for you. If you’re healthy, we may be able to waive your medical exam entirely.
Medical exams are provided by Fidelity Life at no cost to you and scheduled at your convenience. They’re conducted by a medical technician and include more in-depth health questions, along with a basic exam that includes measuring your height and weight, checking your pulse and blood pressure, and taking blood and urine samples.
Learn more about medical exams.
Medically underwritten policies like RAPIDecision® Life can help you get the best rates for life insurance. If you don’t want to take an exam or are concerned about taking one because of your health, Fidelity Life also offers no medical exam life insurance options to help you get covered.
Term life insurance is flexible and affordable. It provides important financial protections for individuals concerned about replacing their income, covering their debts, and maintaining the quality of life for the people they love.
When your term ends, so does your coverage, which is part of the reason term life is so affordable. Like auto or car insurance, term life coverage is a “just-in-case” purchase to keep you covered when you need protection most.
Once your policy ends, you have a few options:
Our agents can help you find the right option for your needs.
Get your life insurance quote online or call one of our agents at
