From new shoes to plane tickets, you can buy almost anything you want today with just a few clicks. While buying life insurance has traditionally been a slow process, now it’s catching up to the digital age, too. Many Americans say they’re more likely to buy life insurance if it has a quicker approval process, and life insurance companies are recognizing they need to catch up.

At Fidelity Life, we’re committed to getting you covered as quickly as possible. We help many customers get covered the same day by phone or online, so you can lock in life insurance – and peace of mind – sooner. Here’s what you need to know about the process.

How long does it take for life insurance to go into effect?

Buying life insurance traditionally involved filling out an application, scheduling a medical exam, and waiting for underwriting, a process that could take up to eight weeks or more. When you’re counting on that coverage to provide financial protection for your family, that can be a long time to wait.

We start your application on the spot as soon as you call, and you can also buy term life insurance directly online.

What life insurance has no waiting period?

With many life insurance policies in the past, buying life insurance quickly meant you couldn’t actually use it right away. With accelerated underwriting, you can now get covered faster, while still having the confidence in the policy’s protection from day one.

If you’re wondering what the waiting period is for your life insurance policy, you can rest easier with Fidelity Life. Our RAPIDecision^® Life insurance policies use information from public databases and other relevant sources to help many of our customers covered immediately. You can typically qualify 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. Many of our other products, like RAPIDecision^® Guaranteed Issue, also let you lock in coverage with no waiting period.

Immediate peace of mind

Speeding up the life insurance process and buying a term life insurance policy can help you gain peace of mind sooner, while feeling confident your family is covered for the long haul. Find your price online or give us a call for a life insurance quote – we’re here to help.

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.