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Get an affordable, convenient life insurance quote online

Fidelity Life offers a variety of fast, affordable life insurance plans to help everyday families protect what matters. Get a quote and buy online or by phone today.

What is life insurance?

Life insurance is a contract between you and your life insurance company for a certain amount of coverage.

If you die while your policy is active, your loved ones get a payout for that coverage amount. This is money they can use to pay bills, replace your income, cover mortgage, and generally save for the future.

In some cases, your life insurance may also build cash value over time, which can provide extra financial support during your lifetime.

Why choose Fidelity Life for life insurance?

Choosing the right life insurance doesn’t have to be complicated. We’re here to help you and your family get the financial protection you need – at a price that makes sense. Here’s how we’re working to make the process easier, faster, and more affordable.

Buy life insurance online or by phone

With Fidelity Life, you can get covered from the comfort of your own home. Get free, instant quotes online for our plans, or have one of our agents help you compare your options by phone. With certain plans, you can buy online and get covered the same day. Our team is here to answer any questions you may have along the way, if needed.

Get covered immediately

We know time is tight, so we’ve made buying life insurance fast and convenient. With Fidelity Life, there’s no need to wait weeks for the results of a medical exam to get covered.  With our plans, you can get covered the same day in many cases. Some policies offer the option to delay or even skip a medical exam, based on your health. We also offer policies that don’t require an exam at all, so your coverage can start within days.

Choose from more life insurance options

Fidelity Life offers plans for every age and every stage of life to help keep you covered as your needs change. Our products include term, permanent and final expense plans for individuals, families, and older adults. You can choose from a range of term lengths and coverage amounts, including no-exam options for people whose health may be holding them back from getting life insurance coverage.

Find affordable protection

Protecting your family financially shouldn’t derail your financial plan. That’s why we’ve designed our coverage to work with the needs of everyday families. For example, a healthy 30-year-old man can buy a $250,000 10-year term life insurance plan starting as low as $13 per month.

Which type of life insurance is right for me?

No matter where you are in life, protecting your family financially matters. Life insurance is designed to help you honor your most important commitments.

As life changes, your life insurance needs will change, too. Fidelity Life is committed to helping families like yours get the financial protection they need, every step of the way. That’s why we offer a variety of plans to meet the needs of individuals, families, and older adults.

The main types of life insurance include:

Term life

Term life insurance is easy to understand, affordable, and the best choice for many people. With term life insurance, you’ll choose a term length and coverage amount. Higher coverage amounts let you cover a bigger range of needs, like replacing income, paying the mortgage, or covering debts.
Explore term life insurance.

Permanent life

Permanent life insurance provides coverage that lasts a lifetime. Permanent life also comes with a cash value component that can grow over time, which provides financial protection both during and after your lifetime. It’s more expensive than term life insurance, but it can be a good choice for those looking for lifelong protection.
Explore permanent life insurance.

Final expense

Final expense insurance is designed for adults 50 and up. It provides a smaller amount of coverage and is used to help cover funeral expenses and other end of life needs.
Explore final expense insurance.

Term Life Insurance Permanent Life Insurance Final Expense Insurance
Age 18-70 50-85 (with RAPIDecision® Senior Whole Life) 50-85
Coverage length Covers you for a set period of time, typically 10-30 years Covers you for your lifetime Covers you for your lifetime
Coverage amount Up to $2M with Fidelity Life Up to $150,000 with Fidelity Life Up to $35,000 with Fidelity Life
Cost Most affordable type of coverage More expensive than term life More expensive than term life, but lower coverage amounts keep it affordable
Builds cash value? No Yes Yes
Level premiums Yes Yes Yes
Fidelity Life Products RAPIDecision® Life
RAPIDecision® Senior Life
RAPIDecision® Senior Whole Life RAPIDecision® Final Expense
RAPIDecision® Guaranteed Issue Life
Best for? Often the best choice for people in the prime of life because of its flexibility and affordability Helping you take care of lifelong needs, like providing for a child with disabilities or making sure there’s an inheritance for kids or grandkids Helping to pay for end-of-life expenses, like a funeral or medical bills
Age Term Life Insurance 18-70 Permanent Life Insurance 50-85 (with RAPIDecision® Senior Whole Life) Final Expense Insurance 50-85
Coverage length Term Life Insurance Covers you for a set period of time, typically 10-30 years Permanent Life Insurance Covers you for your lifetime Final Expense Insurance Covers you for your lifetime
Coverage amount Term Life Insurance Up to $1M with Fidelity Life Permanent Life Insurance Up to $150,000 with Fidelity Life Final Expense Insurance Up to $35,000 with Fidelity Life
Cost Term Life Insurance Most affordable type of coverage Permanent Life Insurance More expensive than term life Final Expense Insurance More expensive than term life, but lower coverage amounts keep it affordable
Builds cash value? Term Life Insurance No Permanent Life Insurance Yes Final Expense Insurance Yes
Level premiums Term Life Insurance Yes Permanent Life Insurance Yes Final Expense Insurance Yes
Fidelity Life Products Term Life Insurance RAPIDecision® Life
RAPIDecision® Senior Life
Permanent Life Insurance RAPIDecision® Senior Whole Life Final Expense Insurance RAPIDecision® Final Expense
RAPIDecision® Guaranteed Issue Life
Best for? Term Life Insurance Often the best choice for people in the prime of life because of its flexibility and affordability Permanent Life Insurance Helping you take care of lifelong needs, like providing for a child with disabilities or making sure there’s an inheritance for kids or grandkids Final Expense Insurance Helping to pay for end-of-life expenses, like a funeral or medical bills

Factors when choosing a life insurance policy

Age

When you’re just starting out or beginning a family, you’re often looking for protection that will last through the prime of life while you’re raising kids or paying for important expenses, like a mortgage. Term life is an affordable option that allows you to choose a policy length that aligns with your family’s plans.

As you get older, life insurance gets more expensive and it may become harder to qualify for some types of policies. Fidelity Life has a number of products designed especially for older adults, including RAPIDecision® Senior Life Term insurance and RAPIDecision® Senior Whole Life permanent insurance.  If you just need enough coverage for end-of-life expenses, final expense insurance can be a good choice in your 50s and beyond.

Health

Health is one of the main factors that affects your eligibility and rates for life insurance. If you’re in good health, term life can help you lock in higher coverage amounts at the lowest rates possible. It’s important to note that you’ll typically take a medical exam with term life. Fidelity Life offers the option to delay your medical exam by up to six months – and even skip it in some cases.

If you have a history of health issues or have a chronic medical condition, there are options that don’t require a medical exam. Final expense insurance policies don’t require a medical exam, and our RAPIDecision® Guaranteed Issue plan has no health questions at all, so you can’t be turned down based on your health.

Financial responsibilities

Do you need a little or a lot of protection? Different insurance products offer different amounts of coverage. In general, you can get the most coverage with term and permanent life insurance policies.

With RAPIDecision® Life, you can purchase up to $2 million in life insurance coverage. As you get older, our RAPIDecision® Senior Life Term and RAPIDecision® Senior Whole policies offer up to $150,000 in coverage. These plans are designed for big financial needs, like covering mortgage or sending your kids to college. Once those responsibilities are past you, final expense plans can help cover smaller needs like funeral, medical bills, and leftover debts.

Our most popular policies
10 years
RAPIDecision® Life
Get Covered Today!
starting at
18.49
a month
up to
250k
coverage
20 years
RAPIDecision® Life
Get Covered Today!
starting at
22.84
a month
up to
250k
coverage
30 years
RAPIDecision® Life
Get Covered Today!
starting at
28.71
a month
up to
250k
coverage
*Rates based on a 30 year old female in good health.
Family running on a beach
Family running on a beach

Designed for peace of mind

There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.

Life insurance products

How to buy life insurance with Fidelity Life

Life is complicated; life insurance shouldn’t have to be. Here’s what to expect with us each step of the way.

Choosing a life insurance plan

It helps to start by thinking about your financial needs and the type of policy that makes the most sense for you. Keep in mind your age, health, budget, and financial goals. You can learn more about different types of life insurance here.

You’ll need to choose a coverage amount based on current and future expenses, like your mortgage payments, educational expenses, or caring for a disabled child or spouse. You can use our quote calculator to help you determine a personalized estimate. Our agents can also help you weigh your options and determine what works for you.

Get a life insurance quote online or over the phone

Ready to shop for life insurance? Fidelity Life provides free life insurance quotes online, so you can see which products are a good match for you and how our plans fit into your budget. There are two ways to get a quote: online or by phone.

You can get a no-obligation quote on our website at any time, or give one of our agents a call to compare options and ask questions about our plans. You’ll be prompted for the following information when you request a quote:

  • Whether you have a partner, kids, or both
  • Your age
  • Your gender
  • Whether you’re currently working (you don’t need to have a job to qualify for life insurance)
  • Your overall health (you’ll provide a quick rating of great, good, fair, or poor, and we follow up with more detailed questions during the application process)

These details help us determine your rate and recommend the best products for you. Based on that information, you can quickly access personalized prices on Fidelity Life plans in less than one minute.

The rate you’ll see is based on your individual background: the longer your life expectancy, the lower your premiums will be. For example, women tend to get approved for lower rates because they tend to live longer. If you’re younger or in good health, that also helps keep your rates low. Another factor that drives price is the type of coverage and amount you’re seeking.

Depending on the type of policy you want, you may be able to buy online immediately, or you can get in touch with an agent who can answer questions and help you start the application process.

Buying life insurance

If you’re ready to check life insurance off your list right now, Fidelity Life can help. We’re one of the few companies that offers immediate coverage by phone or online, with plans starting the same day, in many cases. There are two ways to do it:

Buy online
You can purchase our RAPIDecision® Life term life insurance completely online.The application takes about 10 minutes to complete and includes questions about your age, health, lifestyle, income, and other personal details.This is where we’ll confirm your eligibility and your final rate, if it’s different from the original quote.

To speed up the process, think about who you want to name as your beneficiary beforehand – this is the person who will get the payout if you die. You can name primary and secondary beneficiaries. Also, make sure to have your driver’s license and credit card on hand as you begin the application process.

Unlike some companies, where you apply online and have to wait for a decision, Fidelity Life can get you covered immediately in many cases – no medical exam or extensive interview required, and you can pay right away with your credit card. In some cases, we may reach out with follow-up questions as part of the approval process.

By phone
Interested in other types of coverage? You can also apply over the phone with one of our agents for any Fidelity Life plan. The process takes about 20 to 30 minutes, and we can give you a decision in a single call, in many cases.

There’s no need to wait for a medical exam, either. If you apply for a policy that includes a medical exam, you’ll have the options to complete your medical exam at your convenience within six months or even waive it entirely. We also offer plans that don’t require a medical exam, so you can apply, buy, and get peace of mind right away.

Get covered

With Fidelity Life, you’ll pay regular premiums to keep your policy active. We offer level premiums, so your rates won’t go up.

If you die while your policy is active, you can feel confident your family will be protected. We’ve been taking care of families like yours since 1896.

Life insurance quotes & coverage in 3 easy steps

Find my policy

Tell us about yourself, and we’ll match you to available life insurance policies that meet your needs and work with your budget.

Get a quote

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.

Apply and buy

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.

Your life insurance questions answered

Life insurance agent icon
Still need help?

Get your life insurance quote online or call one of our agents at (866) 912-7775(866) 244-5475