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Fidelity Life Association Insurance Review 2016 [Best Plans and Features]

Fidelity Life Association Insurance Company Reviews

TermLife2Go represents dozens of insurance providers, including Fidelity Life Association Insurance Company. For more on this excellent life insurance provider please read our review.

Fidelity Life Association Insurance Company Reviews

Are you considering Fidelity Life Association Insurance Company as your life insurance provider? If so, then the following review of Fidelity Life  will help you make your decision. We will discuss the advantages and disadvantages of purchasing life insurance from Fidelity.

About Fidelity Life Association

Fidelity Life Association Insurance Company is a stock subsidiary of a mutual holding company. The organization has been operating for more than a century; its longevity proves consistent delivery. Fidelity Life Association Insurance Company is licensed in 48 out of 50 states (all but Wyoming and New York) as well as the District of Columbia.

One of the top rating agencies, A.M. Best, has given Fidelity Life a security rating of A-, or “excellent”. The rating is based on a combination of factors such as balance sheets, operations, business profile and so forth.

Benefits

Use of Technology

Fidelity Life Association Insurance Company is one of the few insurance providers that have leveraged the benefits of technology to speed up the underwriting process. Using Fidelity Life’s digital tool, approval for life insurance happens at a much more rapid pace. Customers seeking insurance will not be required to give any kind of exam or oral questionnaire.

Longevity and Reputation

Fidelity has been around for more than a hundred years, and it continues to prove itself as a top competitor dedicated to innovation and meeting customer’s needs.

Policies Offered

Fidelity Life offers many different life insurance policies, each with flexible options to fit the policyholder’s individual needs. The policy that is right for you will depend on a combination of factors including: age, health, and desired coverage. Prices for each policy may vary.

eLife Solutions: eTerm Express
  • Level Term Life Insurance – non medical
  • Face amounts $100,000-$500,000 depending on age
  • 10, 15, 20 and 30 year terms available depending on age
  • Students eligible for up to $200,000
  • Stay-at-home spouse eligible for up to $300,000
  • Three different health rate classes including preferred, standard, rated, standard tobacco and rated tobacco
    • Preferred rate available for previous nicotine users 12 months tobacco free
  • Renewable term to age 95
  • Accelerated Death Benefit available beginning year 3
Rapid Decision Policies

As the name insinuates, this is a quick and easy coverage plan. Using the Rapid App application, you will get covered in no time. Fidelity Life offers four Rapid Decision polices:

Rapid Decision Express: This quick and easy no exam required policy provides a level death benefit to age 95. Because the approvals are almost effortless and happen at such a rapid pace, this is a good choice for policyholders advanced in age. Term lengths available vary by age but 10, 15, 20 and 30 year terms are offered.

Rapid Decision Senior Life Term & Whole Life: This senior life insurance plan is for people 50-85 years old and covers up to $150,000.

Rapid Decision Final Expense: Using health questions but no medical exam, this policy protects people 50-85 years old. This plan is up to $35,000 and is intended to cover funeral, burial/cremation, or other final expenses.

Rapid Decision Guaranteed Issue: For individuals 50-85, this plan covers all post-mortem expenses, no medical test or questionnaire required. The first three years are a reduced benefit plan, but the full whole life coverage of $20,000 is available after that. You can read more about final expense and burial insurance here.

Accidental Death Benefit: This is a flexible plan with pricing dependent on how much coverage you desire. Designed to protect your family and investments in the event of an accidental death, this plan can be as affordable as $10 a month. Accidental deaths are traumatic and unexpected; this coverage plan provides your family with a cushion to fall on in such a devastating time. Accidental death insurance is not for everyone but it can be a valuable tool for those who cannot otherwise qualify for life insurance or need to supplement existing coverage.

Disadvantages

One of Many

It’s really tough to come up with any real negatives when it comes to Fidelity Life Insurance Company, if we were forced to come up with a possible disadvantage it would simply be that Fidelity is just one company of many. Meaning that until we look at your specific situation and compare what Fidelity can offer you with what might be available elsewhere we simply won’t know if Fidelity Life Insurance Company is the best option for you.

The key to finding the best quotes on life insurance is to have options. That is where we come in.

About TermLife2Go

Term2LifeGo is an impartial agency representing dozens of the best life insurance companies out there, including Fidelity Life. We help customers choose the insurance company that is right for them. We do not favor any particular company, nor do we try to push policy seekers into a plan that is not suitable for their needs. Our customers and potential policyholders are our number one concern.

If you would like a free consultation or quotes on any of Fidelity Life’s insurance policies – or on any of the dozens of top rated insurance companies that we represent – please call us or enter your information into our quote engine for free Fidelity Life insurance quotes today!

Thank you for reading our article, Fidelity Life Association Insurance Company Reviews. Please leave any questions or comments below.

 

 

 

4 comments… add one
  • Gail

    Age 61. Type 2 diabetes no insulin on blood pressure medicine female non smoker retired

    • Gail,

      There’s a lot more information that we would need to collect before we would be able to provide an accurate quote, the first thing we would want to know is: “How much life insurance coverage were you looking for?”

      From there we would then need to ask additional questions to see which life insurance company might be best for you.

      So why don’t you just give us a call when you have a few minutes and we’ll do our best to help you out.

      Thanks,

      TermLife2Go.

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