Fidelity Life Insurance
Fast, flexible life insurance for families and older adults
Fidelity Life offers several ways to protect the people who matter most, from affordable term life insurance for income replacement to whole life and final expense coverage for older adults.
Life Insured By Chris can help you understand the available Fidelity Life products, compare them with options from other highly rated carriers, and determine which policy best fits your age, health, budget, and coverage goals.
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Why Consider Fidelity Life?
Fidelity Life has helped make life insurance more accessible to everyday families since 1896. Its RAPIDecision® product lineup combines streamlined applications with coverage options for different stages of life.
Depending on the product and your eligibility, Fidelity Life may offer:
Term lengths designed around mortgages, income replacement, and family milestones
Coverage options for adults and seniors
Accelerated or simplified underwriting
Policies that may not require an initial medical examination
Permanent coverage with level premiums and cash-value accumulation
Final expense and guaranteed-issue options for applicants ages 50–85
Fidelity Life may be worth considering if you want a faster application process, are shopping for coverage later in life, or want to compare both temporary and permanent insurance options.
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Fidelity Life Insurance Products
RAPIDecision® Life Term Insurance
RAPIDecision® Life is designed for adults seeking affordable protection for a specific period. Fidelity Life currently identifies this product for applicants ages 18–65, with term lengths from 10 to 30 years and coverage amounts ranging from $50,000 to $2 million.
This type of coverage may help your family:
Replace lost income
Continue making mortgage payments
Pay household expenses and outstanding debts
Fund childcare or education
Maintain financial stability during important earning years
Coverage may begin quickly for eligible applicants. However, Fidelity Life may initially issue a combination of all-cause and accidental-death coverage while full medical underwriting is completed. Some applicants may have their examinations waived.
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RAPIDecision® Senior Life Term
Senior Life Term is designed for adults ages 50–70 who still need protection for a mortgage, income, debt, or other temporary financial obligation.
Available coverage ranges from $10,000 to $150,000, depending on age, with term options between 10 and 30 years. Premiums remain level during the selected term.
This policy may make sense if you:
Are approaching retirement but still earn income
Have a spouse who depends on your income or retirement benefits
Still have a mortgage or significant debt
Want coverage for children, grandchildren, or another family commitment
Need more protection than a traditional final expense policy provides
Senior Life Term uses a graded benefit structure. The full death benefit generally becomes available after the third policy year, so it is important to review the benefit schedule carefully before applying.
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RAPIDecision® Senior Whole Life
RAPIDecision® Senior Whole Life provides permanent coverage designed for adults ages 50–85. Coverage generally ranges from $10,000 to $150,000, depending on the applicant’s age.
The policy offers level premiums, builds cash value, and can remain in force for life as long as required premiums are paid. No medical examination is required, although applicants must answer health questions.
Senior Whole Life may help provide money for:
Final expenses
Medical bills and other debts
Mortgage payments
Financial support for a surviving spouse
A legacy for children or grandchildren
Partial coverage begins immediately, while the full death benefit generally becomes payable after the third policy year.
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RAPIDecision® Final Expense
RAPIDecision® Final Expense is permanent whole life insurance intended to help families manage funeral costs, medical bills, credit-card balances, and other end-of-life expenses.
The product is designed for applicants ages 50–85 and offers coverage amounts from $5,000 to $50,000. It features level premiums, cash-value accumulation, and no required medical examination. Eligibility is based on health questions and information from certain consumer databases.
For approved applicants, full coverage begins immediately without a graded waiting period.
This option may be appropriate if you:
Want to prevent funeral expenses from becoming a burden on your family
Prefer permanent coverage with predictable premiums
Need a smaller, focused death benefit
Want an application that does not require a medical examination
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RAPIDecision® Guaranteed Issue
Guaranteed-issue life insurance can provide an alternative for applicants who may not qualify for medically underwritten coverage because of significant health conditions.
Fidelity Life offers this product to applicants ages 50–85, with permanent coverage of up to $25,000. There is no medical examination and no health questionnaire. Premiums remain level, and the policy can accumulate cash value.
The policy provides a reduced death benefit during the first three policy years, with the full death benefit available beginning in year four. Review the policy’s graded-benefit provisions and exclusions before deciding whether it is the right choice.
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Which Fidelity Life Policy May Fit Your Needs?
Consider RAPIDecision® Life if:
You are between 18 and 65
You need substantial income or mortgage protection
You want coverage for 10–30 years
You are comfortable completing additional underwriting if required
Consider Senior Life Term if:
You are between 50 and 70
You need temporary protection above typical final expense amounts
You understand the policy’s graded-benefit period
Consider Senior Whole Life if:
You are between 50 and 85
You want permanent coverage and level premiums
You want cash-value accumulation
You are comfortable answering health questions
Consider Final Expense if:
You are between 50 and 85
You primarily want to cover funeral expenses and smaller debts
You want full coverage immediately upon approval
You prefer not to complete a medical examination
Consider Guaranteed Issue if:
You are between 50 and 85
Health conditions make other coverage difficult to obtain
You need $25,000 or less
You understand that the full benefit does not begin until year four
Help Me Choose the Right Policy
Why Work With Life Insured By Chris?
Fidelity Life may offer a good solution, but no single insurance company is the best fit for everyone.
Life Insured By Chris is an independent life insurance brokerage with access to more than 30 carriers. Instead of limiting you to one company, we can compare Fidelity Life with other available carriers based on:
Your age and health history
Tobacco use and prescriptions
Desired coverage amount
Preferred policy length
Underwriting requirements
Available riders and benefit limitations
Your monthly budget
You receive personalized guidance and a clear explanation of the policy before deciding whether to apply. There is no pressure to select Fidelity Life if another carrier offers a better combination of price, benefits, and approval potential.
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Frequently Asked Questions
Is Fidelity Life a legitimate life insurance company?
Yes. Fidelity Life has operated since 1896 and offers term, permanent, final expense, accidental-death, and guaranteed-issue products. The company reports an A- (Excellent) financial-strength rating from AM Best. Ratings can change and should be verified when coverage is considered.
Does Fidelity Life offer no-medical-exam insurance?
Yes. Several Fidelity Life products do not require a medical examination. Some policies still require health questions and database checks. RAPIDecision® Life may require an examination after coverage begins unless it is waived.
Can I receive Fidelity Life coverage immediately?
Some applicants may receive a fast decision, and certain policies can begin upon approval. However, “immediate coverage” does not always mean the entire death benefit applies immediately. Senior term, senior whole life, and guaranteed-issue policies can include graded or partial benefits during their early policy years.
How much Fidelity Life coverage can I purchase?
Available amounts depend on the product, age, health, and state. Fidelity Life currently advertises coverage ranging from small final expense policies to as much as $2 million under RAPIDecision® Life.
Is Fidelity Life the same company as Fidelity Investments?
No. Fidelity Life Association is a life insurance organization and is separate from Fidelity Investments.
How much will my policy cost?
Your premium will depend on factors including your age, health, tobacco use, coverage amount, policy type, term length, and state. An advertised starting price is not a guaranteed rate. A personalized quote provides a more useful estimate.
Can Life Insured By Chris help me apply?
Yes, we can review your needs, explain available products, compare Fidelity Life with other carriers, and help you understand the application and underwriting process.
Find Coverage That Fits Your Life
The right life insurance policy should fit more than your budget. It should match the length of time you need protection, the financial responsibilities you want to cover, and the underwriting option most appropriate for your health.
Schedule a complimentary coverage review to compare Fidelity Life with other available carriers and receive personalized guidance from an independent brokerage.
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Life Insured By Chris is an independent life insurance brokerage and is not owned by, operated by, or exclusively affiliated with Fidelity Life Association. Product availability, issue ages, coverage amounts, riders, premiums, underwriting decisions, and policy provisions vary by state and applicant. Coverage is not guaranteed unless expressly stated in the applicable policy. Always review the policy contract for complete benefits, exclusions, limitations, and graded-benefit provisions.
