Kids’ soccer games, work deadlines, dentist appointments – you have a lot on your plate. What you don’t have is time to jump through hoops for a life insurance policy.

You know having financial protection for your family is important, but it’s easy to put off shopping for life insurance when it seems like a hassle. You’re in good company: Many Americans are looking for life insurance that’s as quick and painless to buy as possible. According to an industry study, almost half of people say they’re more likely to buy simplified life insurance, since it offers a quicker approval process and no medical exam.

At Fidelity Life, we know how many responsibilities you’re juggling. That’s why we’re committed to finding ways to help customers get covered more quickly, from introducing the first paperless application to waiving medical exams for customers who qualify. Here are four tips to help you spend less time on life insurance, so you can get back to living your life.

1. Compare multiple plans in one spot

There are a lot of life insurance options out there, and comparing them can feel like a full-time job. Working with a company with a wide range of policies can make it easier to find the right fit for your needs and budget. Fidelity Life offers plans for every age and stage of life, from term life options for young families to final expense insurance for customers in their later years. You can shop and compare personalized quotes online, or give one of our agents a call to help you find the ideal policy. Want to get started? It only takes a minute to request an instant quote.

2. Be prepared for your application

After shopping for quotes, you’ll want to talk to an experienced life insurance agent to help you select the right policy. They’ll ask you about your goals, budget, and background to make sure you’re considering all your options. Be sure to have all the information you need ready before talking to an agent. They’ll typically want to know your age, height and weight, smoking habits, lifestyle choices, and current health. They’ll also ask about your medical history from the past five years. Preparing for these questions ahead of time will get you to that application as soon as possible.

3. Work with a company that offers quick approvals

The traditional life insurance buying process looks something like this: Talk to an agent, select a policy, apply, go through underwriting, take a medical exam if necessary, and wait for the insurance company to make a decision. It can take up to eight weeks from start to finish to get approved – but it doesn’t have to.

At Fidelity Life, we start your application on the spot as soon as you call. One of our licensed agents will guide you through the process and send the policy for you to sign electronically. For many of our life insurance plans, you can get approved in as little as one phone call, instead of six to eight weeks.

For example, our RAPIDecision® Life insurance uses information from public databases and other sources to help many of our customers get covered on day one. You can typically qualify right away for a combination of traditional life insurance and accidental death coverage, which provides a payout if you die in an accident. If you choose, you then have up to six months to take a medical exam, and as long as the results line up with your initial application, your policy will provide a payout for any covered cause of death. Fidelity Life may also be able to waive the need for a medical exam altogether.

Many of our other products, like the RAPIDecision® Guaranteed Issue, also let you lock in coverage quickly with no waiting period or required underwriting. Fast-tracking the insurance approval process is part of our commitment to serving you and your family’s needs better, so you can protect your family with confidence.

4. Skip your medical exam, if you can

Getting a checkup isn’t anyone’s idea of fun, and taking a medical exam for life insurance can also tack time onto the approval process. A 2019 study found that people are more likely to buy life insurance if they can skip the exam, with 56% of people choosing simplified issue insurance because it doesn’t require one.

At Fidelity Life, we use the power of data to help many people get covered without an exam. We were the first company to conclusively use predictive analytics at the time of sale and waive medical exams for qualified customers. If you do need to take an exam, we’ve designed the process to be quick and convenient. We’ll send a certified medical professional to your location of choice, at no cost to you. In just 30 minutes, you can check the exam off your list and be one step closer to securing your family’s financial future.

Get covered faster with Fidelity Life

Life is complicated, but life insurance doesn’t have to be. Fidelity Life can help you get covered as soon as possible, so you can protect what matters most.

Want to learn more?

Start your instant quote today or give us a call.

At Fidelity Life, our goal is to make life insurance simple, affordable, and understandable for everyday families. This content is intended for educational purposes only. Each post is carefully fact-checked, reviewed, and updated regularly to ensure the information is as relevant as possible.