{"id":223728,"date":"2022-10-05T21:13:55","date_gmt":"2022-10-05T21:13:55","guid":{"rendered":"https:\/\/fidelitylife.com\/?page_id=223728"},"modified":"2022-10-05T21:13:55","modified_gmt":"2022-10-05T21:13:55","slug":"term-life","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=223728","title":{"rendered":"Term Life"},"content":{"rendered":"
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Affordable Term Life<\/div>\n

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Fidelity Life\u2019s term life insurance products provide affordable protection for your family. Simple to apply. Easy to understand.<\/div>\n<\/section>\n\n
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Why people choose term life<\/div>\n
There’s a reason term life is the most popular life insurance. Term life policies are often the most flexible and affordable.\u00a0Fidelity Life designs our term life products to provide term lengths and coverage amounts that work for hard-working\u00a0families. Plus, our process makes it simple and easy to get covered, fast.<\/p>\n

Our\u00a0RAPID<\/em><\/strong>ecision\u00ae<\/sup> term life offerings, including\u00a0RAPID<\/em><\/strong>ecision\u00ae<\/sup> Life and\u00a0RAPID<\/em><\/strong>ecision\u00ae<\/sup> Senior Term, work to qualify you quickly so you can feel confident your family is protected.<\/div>\n

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\nTerm life insurance provides guaranteed protection and level premiums during your term length.<\/a>\n<\/div>\n
\nFidelity Life offers several flexible products, many of which can be further customized with riders.<\/a>\n<\/div>\n
\nOur fast, hassle-free process means your coverage typically starts in days, not months.<\/a>\n<\/div>\n<\/div>\n<\/section>\n\n
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Term Life versus Whole Life<\/div>\n<\/section>\n\n
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Term Life<\/div>\n
Whole Life<\/div>\n<\/div>\n
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Length of Coverage<\/div>\n
You choose a term length (10, 15, 20, 30 years) based on your needs.<\/div>\n
Your coverage lasts your lifetime, as long as you pay your premium.<\/div>\n<\/div>\n
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Premium<\/div>\n
\nTerm life premiums are usually the most affordable.<\/div>\n
Whole life premiums are more expensive than term premiums for same coverage.<\/div>\n<\/div>\n
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Medical Exam<\/div>\n
\nA medical exam is not always required.<\/div>\n
A medical exam is usually required\u2013but not with Fidelity Life.<\/div>\n<\/div>\n
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Guaranteed Payout<\/div>\n
Yes, a payout is guaranteed for the duration of your term as long as premiums are paid.<\/div>\n
Yes, a payout is guaranteed for the life of your policy as long as premiums are paid.<\/div>\n<\/div>\n
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Cash Value<\/div>\n
\nA term life policy does not build a cash value.<\/div>\n
A whole life policy can build tax-deferred cash value.<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n
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Find a policy that works for you<\/div>\n

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There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/div>\n<\/section>\n\n
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Quick Answers to Common Questions <\/div>\n
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Who needs term life insurance?<\/div>\n
If there\u2019s anyone in your life who depends on you financially, you need life insurance. A simple and affordable option, term life insurance helps you protect those you love if the worst happens. Term life<\/a> offers flexible coverage for a set period of time, making it a great choice for many growing families. If you die while the policy is active, your family can receive a cash payout from your insurance company to help replace your income, take care of day-to-day expenses, pay off leftover debts, or save.<\/p>\n

Wonder if it\u2019s the right fit for you? Talk to an agent to explore your options.<\/p><\/div>\n<\/div>\n

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How does term life insurance work?<\/div>\n
At Fidelity Life, we offer a broad range of term life policies for every age and stage of life. As you shop for a policy, here\u2019s what to expect.<\/p>\n
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  1. Shop.<\/b> Research your options, compare providers and insurance quotes, and choose the ideal coverage amount and term length for you. With coverage amounts from $50,000 to $2 million and term lengths from 10 to 30 years, you can choose the Fidelity Life plan that works best for your goals and budget.<\/li>\n
  2. Buy.<\/b> Apply for your policy with one of our agents over the phone once you\u2019ve researched insurance quotes that fit your budget. Fidelity Life can often help you get coverage the same day. In some cases, you may need to take a medical exam to determine your eligibility. With Fidelity Life, you can often wait up to six months after getting covered to take your exam, and we may be able to waive the exam entirely.<\/li>\n
  3. Pay. <\/b>Once you\u2019re approved, you\u2019ll start paying your premiums in monthly or annual installments, whichever is most convenient.<\/li>\n
  4. Review.<\/b> Take stock of your situation regularly and adjust your life insurance coverage as needed.<\/li>\n
  5. Breathe easy. <\/b>Know that you\u2019re covered in case the worst happens. If you die while your policy is active, your family can receive a cash payout to use however they like. If you outlive the policy, you may have options to renew it, let it expire, or buy a new one.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n
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    What are the benefits of term life insurance?<\/div>\n
    Term life is the most popular life insurance choice in the market, with benefits that include:<\/p>\n