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RAPIDecision® Express
TERM LIFE
Fast and hassle free term life insurance from Fidelity Life. No exams, no tests, no waiting period.
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Is this policy a good fit for me? RAPIDecision® Express is a good option if:
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- You are age 18 to 65 and want between 10-30 year terms.
- You want quick, affordable term life coverage that is not medically underwritten.
- You need coverage amounts between $25,000 to $100,000.
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10 year
10
Fidelity Life offers 10-year term life insurance to help individuals at all stages of life feel confident about the future. RAPIDecision® Express 10-year term policies are a flexible and affordable option, with lower premiums than longer-term policies.
- If you have a young family, you might choose 10-year terms to help with debt, whether from credit cards or student loans, if you pass away.
- Mature adults, including those planning to retire soon, choose 10-year terms to ensure your mortgage is covered or during the gap before Social Security starts.
- For retired individuals, a 10-year term life policy could help maintain your partner’s quality of life in the event you die.
RAPIDecision® Express Term
10
50000
15 year
15
Fidelity Life offers flexible term lengths, including a 15-year term life insurance product. RAPIDecision® Express 15-year term policies are often an affordable choice for many people.
- If you have elementary school aged children, a 15-year term ensures financial support until your children are legal adults or have finished college.
- If your mortgage will be paid off in 15 years, a 15-year term could help your partner cover the balance or continue to pay your mortgage, therefore staying in the home you created together.
- You plan to retire in 10-15 years, but you want to be sure your current income is replaced if you die before you retire.
RAPIDecision® Express Term
15
50000
20 year
20
A RAPIDecision® Express 20-year term policy helps you secure longer-term coverage at affordable rates. Whether you’re ensuring your income is replaced or your debts paid, you’ll know there’s financial protection for your spouse, partner, or children.
- You may choose 20-year terms because two decades often covers critical family milestones, such as raising young children before college or paying down a mortgage.
- A 20-year term allows you to lock in level premiums and guaranteed coverage through your peak earning and savings years.
- Terms of 20 years provide financial protection during a time in life when your debt may be higher due to a mortgage, student loans, or credit cards.
RAPIDecision® Express Term
20
50000
30 year
30
A 30-year RAPIDecision® Express 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 stays in place.
- With a 30-year term, you get long-term coverage that is typically more affordable than whole or permanent insurance.
- Start a 30-year term when you are younger and healthier so you can lock in a lower rate for a longer time.
- A longer term of life insurance with a 30-year term means you get maximum flexibility as life and family circumstances change.
RAPIDecision® Express Term
30
50000
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Quick Answers to Common Questions
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How does RAPIDecision® Express work?
A combination of web-based technologies and underwriting innovation makes RAPIDecision® Express possible. A state-of-the-art underwriting process via our Rapid App takes you from application to coverage in days. There’s no exam or waiting period to get started, you simply answer a few medical questions. We know a speedy decision means faster coverage, so our process works to make it as quick and easy as possible.
RAPIDecision® Express is a level death benefit term life insurance product to age 95. This means you have guaranteed level premium periods of 10, 15, 20 and 30 years. After the level premium period, you may be able to renew with a rate increase each year through age 94. You may also select optional riders like those for a dependent child and accidental death to increase your coverage.
Why should I choose Fidelity Life?
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.
How do I decide how much coverage I need?
Term life insurance is designed to replace your income and cover financial responsibilities, both immediate and long term. Many people like to have 7 to 10 times their annual income in coverage, but every individual’s situation is different. Use our life insurance calculator to help you determine your personal needs.
Will I need a medical exam?
With RAPIDecision® Express, there’s no medical exam for your coverage to start. Coverage often begins between 24 and 48 hours after your application is processed.
Why would I choose term life insurance?
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.
What happens when my term ends?
When your term ends, your coverage ends. With RAPIDecision® Express, you have the option of renewing your policy every year up to age 95. Or, you can select a different life insurance product.
How can I get started?
If you want to calculate your coverage, you can use our calculator. Then, we’ve made it simple to get your application started online.
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