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Working with you, for life®
Since 1896, we’ve been focused on helping everyday families get life insurance. By designing a broad range of products, we work to meet your needs as your life and circumstances change.
Our Products
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Our Promise
Americans achieve greater financial security by making life insurance more accessible and affordable. It’s a big responsibility, and one we take seriously. We thoughtfully design policies and responsibly manage our business, so we’ll be there when you and your family need us.
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A legacy of innovation
For more than a century, we’ve been leading the way so families can achieve financial security and peace of mind. Our decades-long legacy of innovation is a testament to our continued advancement and industry leadership.
Our Story
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Working together in our communities
Supporting individuals, families, and the community is at the heart of our work. The Fidelity Life family believes in our individual and collective ability to have a positive impact in our neighborhoods and in the world.
Community Initiatives
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Forbes Names Fidelity Life One of America’s Best Insurance Companies 2025

Fidelity Life is honored to be named one of America’s Best Insurance Companies by Forbes, marking the third consecutive year of this recognition!
Fidelity Life is proud to have been named a USA Today Top Workplace 4 times!

Thanks to our staff for making us a 4X Top Workplace winner!
Forbes Names Fidelity Life One of America’s Best Insurance Companies 2024

Fidelity Life is proud to be recognized as one of Forbes America’s Best Insurance Companies for the second year in a row!
Forbes Names Fidelity Life One of America’s Best Insurance Companies 2023

Fidelity Life is proud to be recognized by Forbes as one of America’s Best Insurance Companies 2023.
Newsweek Names Fidelity Life Best Customer Service 2022

Fidelity Life is proud to be recognized by Newsweek.
Best’s Review Names Fidelity Life One of Top 200 U.S. Life/Health Insurers July, 2024

Fidelity Life is proud to be recognized by AM Best as one of the top 200 life insurers in the U.S.
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Strength in numbers
Keeping our promise to everyday families means delivering on a commitment to financial security for 125 years. Our legacy of sound financial management continues in 2024.
* Financial information for the year ending December 31, 2024.
$575 million
TOTAL ASSETS
$64 million
statutory capital and surplus
$224 million
direct and assumed premiums
$43 billion
life insurance in force
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A.M. Best is the oldest and most widely recognized provider of ratings for the insurance industry. Their Financial Strength Ratings (FSR) offer an independent assessment of an insurer’s financial strength and potential future ability to meet obligations to policyholders and their beneficiaries.
**A.M. Best is the leading provider of ratings, news and financial data for insurance companies. Our last A.M. Best Financial Strength Rating was released on September 27, 2024.
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Independently rated for financial stability
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Working together, for you.
For more than a decade, Fidelity Life has partnered with our sister company, eFinancial, to help consumers find the life insurance policy that best meets their need. Together, Fidelity Life and eFinancial are working hard to make life insurance more accessible and affordable for everyday people.
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Leadership
Jim Harkensee
Jim has P&L responsibility and overall accountability for the performance and position of Fidelity Life. He oversees product development, operations, and technology to ensure Fidelity Life delivers products and services that make it easier and more affordable for today’s consumers to get the life insurance coverage they need.
Jim brings over 30 years of experience in the insurance industry in both actuarial science and direct marketing. While president of Zurich Direct, the company grew to become a leading direct marketer of term life insurance in the United States. Jim began his career at Bankers Life & Casualty, later joining Zurich Life, where he was promoted to chief actuary. Jim is a graduate of the University of Illinois.
- Fellow of the Society of Actuaries
John Buchanan
As strategic lead for the Office of General Counsel, John and his team provide advice to Fidelity Life Association and its affiliated and parent companies. In addition, John oversees human resources, compliance, and enterprise risk management functions.
Before joining Fidelity life, he started his career as a trial attorney with dozens of first-chair jury trials and arbitrations. During his 20-year career with the Allstate Corporation, John held various senior roles in the company’s legal department, including Chief Counsel to Allstate’s Agency Operations team and to Allstate’s President of the East Region, as well as Lead Corporate Counsel for Allstate’s marketing team. He is also a former member of the Board of the New Jersey Life and Health Insurance Guaranty Fund.
John is a graduate of Northern Illinois University and the John Marshall Law School.
- Member of the American Council of Life Insurers (ACLI)
- Member of the Association of Corporate Counsel (ACC)
- Minority Corporate Counsel Association (MCCA)
Marc Cagen
With more than 30 years of actuarial and management experience, Marc joined Fidelity Life in 2010. Today, he directs all of Fidelity Life’s actuarial functions including actuarial risk management, financial modeling and forecasting, valuation, reinsurance, and asset/liability management. He also manages all regulatory accounting frameworks and emerging underwriting solutions, including new technologies.
Prior to Fidelity Life, Marc was Chief Actuary of Guarantee Trust Life and held leadership roles at CNA Insurance. He previously served on the Board of Directors of the Illinois Life and Health Guaranty Association.
A graduate of the University of Illinois at Urbana-Champaign, Marc also holds an MBA from the Kellogg School of Management at Northwestern University.
- Fellow of the Society of Actuaries (FSA)
- Member of the American Academy of Actuaries (MAAA)
- Chartered Enterprise Risk Analyst (CERA)
- Fellow of the Life Management Institute (FLMI)
- Chartered Life Underwriter® (CLU)
Melissa Balsan
Melissa oversees Fidelity Life strategy and marketing including customer acquisition and loyalty, branding and communications, strategic partnerships, and omni channel customer experience. Committed to making life insurance more accessible and affordable, her consumer-centric approach keeps everyday Americans at the heart of the Company’s endeavors.
With more than 20 years of experience in direct-to-consumer marketing and branding, Melissa has built deep knowledge of customer acquisition and led digital transformation within insurance, education, and e-commerce businesses. She served as Chief Marketing Officer for GoHealth, a Medicare insurance broker, as well as Chief Marketing Officer for Endurance Warranty, a leader in auto protection services. At Perdoceo Education Corporation, Melissa held marketing leadership positions responsible for new student enrollment and retention; and as a digital native, helped establish search engine and social media marketing at CareerBuilder.com. She began her career in advertising guiding established brands like Ford Motor Company and La-Z-Boy through digital transformation.
Melissa graduated from Adrian College in Adrian, Michigan with a BBA in Marketing where she also completed Public Relations studies.
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Fidelity Life, an iA Financial Group Company
We are proud to be a part of iA Financial Group, a company with over 130 years of experience in the insurance and wealth management sectors. iA Financial Group has earned a reputation for trustworthiness among its clients, consistently adapting its practices and product offerings to meet the evolving needs of the market. Founded in 1892, iA’s mission is to ensure the financial well-being of its clients by offering them personal insurance coverage and investment solutions to help them achieve their personal goals.
Learn More About iA
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Working with you, for life®
There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.
get started
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Join our team
Fidelity Life offers ambitious, collaborative individuals an exciting career path and meaningful work. If you’re looking to start or advance your career, we look forward to hearing from you.
Careers