{"id":41,"date":"2019-08-28T07:27:52","date_gmt":"2019-08-28T07:27:52","guid":{"rendered":"http:\/\/localhost:8000\/?page_id=41"},"modified":"2019-08-28T07:27:52","modified_gmt":"2019-08-28T07:27:52","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=41","title":{"rendered":"Life insurance"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/10b355ee-life_insurance_header.jpeg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-648521\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\">Get an affordable, convenient life insurance quote online<\/div>\n<div class=\"acf-field stream_0_description\">Protecting families for over 125 years, Fidelity Life offers fast, affordable life insurance plans to help protect what matters. Get covered today &#8211; get a quote and buy online or by phone.\n<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get Started<\/a><\/p>\n<div class=\"acf-field stream_0_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">content<\/div>\n<p class=\"acf-field stream_1_text\">\n<h2>What is life insurance?<\/h2>\n<p>Life insurance is a <a href=\"\/life-insurance-basics\/life-insurance-101\/what-is-life-insurance\/\">contract between you and your life insurance company<\/a> for a certain amount of coverage.<\/p>\n<p>If you die while your policy is active, your loved ones get a payout for that coverage amount. This money isn\u2019t just for paying off immediate debts or covering funeral costs; it can ensure that your long-term financial responsibilities and goals can be met even when you&#8217;re not around. A life insurance policy may be used to pay bills, replace your income, cover your mortgage, and generally save for the future. It\u2019s a safety net for your loved ones and peace of mind for you.<\/p>\n<p>In some cases, your life insurance may also build cash value over time, which can provide extra financial support during your lifetime.<\/p>\n<h2>Common life insurance policy terms<\/h2>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Premiums:<\/strong> Premiums refer to the regular payments required to keep the policy active. Failure to pay premiums on time or within a specific grace period can lead to policy cancellation. While term life policies usually offer fixed premiums for the length of the term, permanent policies might have variable premiums.<\/li>\n<li><strong>Beneficiaries:<\/strong> These are the designated recipients of the death benefit. It&#8217;s crucial to keep this information up to date and to consider secondary beneficiaries should the primary beneficiary die before you.<\/li>\n<li><strong>Face Value:<\/strong> The face value of the policy is the amount that will be paid out upon the policyholder&#8217;s death, not accounting for any loans or withdrawals from any cash value.<\/li>\n<li><strong>Cash Value:<\/strong> This is the savings component present in permanent life insurance policies.<\/li>\n<li><strong>Riders:<\/strong> These are optional add-ons that can provide additional benefits or coverage at an extra cost. Examples include accelerated death benefit riders, long-term care riders, or waiver of premium riders for disability.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div style=\"text-align: center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding: 0 0 40px 0;\"><a class=\"site-link button blue\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\" data-gtm=\"true\" data-ctatext=\"Get My Quote\" data-location=\"life insurance- How much life insurance do i need\">Get My Quote<\/a><\/div>\n<\/div>\n<h2>How much life insurance do I need?<\/h2>\n<p>Ideally, you should buy enough life insurance to cover the expenses you have right now, like your bills and mortgage. You\u2019ll also want to cover financial goals, like college expenses or an inheritance for your children. Think about all these needs, then factor in assets like your investments and savings \u2013 the difference is your coverage amount.<\/p>\n<h2>Should young people get life insurance?<\/h2>\n<p>There is a common misconception that life insurance is primarily targeted at older individuals. The reality is that younger people often stand to benefit more due to lower premiums. Locking in a lower rate at a younger age can lead to significant long-term cost savings. Many life insurance policies may also offer the option to convert term life into a permanent policy, providing a way to adapt your coverage as your needs change over time.<\/p>\n<h2>How much does term life insurance cost?<\/h2>\n<p>According to a recent study, people think life insurance costs <a href=\"https:\/\/www.limra.com\/en\/research\/research-abstracts-public\/2022\/2022-insurance-barometer\/\" target=\"_blank\" rel=\"noopener\">three times<\/a> more than it actually does on average.<br \/>\nIn reality, a healthy 30-year-old male can buy a plan for less than the cost of a large pizza (or maybe sushi, if you\u2019re thinking healthy).<\/p>\n<h2>Which type of life insurance is right for me?<\/h2>\n<p>No matter where you are in life, protecting your family financially matters. Life insurance is designed to help you honor your most important commitments. There are a variety of different types of life insurance to choose from, each with different advantages and use cases.<\/p>\n<h3>Whole life insurance:<\/h3>\n<p>Whole life insurance is a long-term commitment that provides lifelong coverage and builds cash value over time. It&#8217;s an agreement between you and your insurance provider, in which you pay fixed premiums in exchange for a predetermined death benefit. Upon your death, your beneficiaries will receive a tax-free lump sum amount, ensuring their financial well-being.<\/p>\n<p>The cash value component is an added advantage. It acts as a savings component that grows tax-deferred, allowing you to borrow against it for various life events such as purchasing a home, funding education, or even retirement. Given its lifelong nature and cash value accumulation, whole life insurance tends to be more expensive than other types of insurance.<\/p>\n<h3>Universal life insurance:<\/h3>\n<p>Universal life insurance offers flexibility in both premium payments and death benefits while also building cash value. Similar to whole life insurance, it provides lifelong coverage but allows for adjustments to your premium and benefit amount as your financial needs change, so long as you pay the required premium amounts.<\/p>\n<p>The cash value in a universal life policy grows at a specific interest rate. You may have the option to use this cash value to pay premiums, thereby reducing out-of-pocket costs. However, note that dipping into your cash value may reduce the overall death benefit. This type of policy is ideal for those who anticipate changing financial needs and wish for flexibility in their coverage.<\/p>\n<h3>Variable universal life insurance:<\/h3>\n<p>Variable universal life insurance combines the flexible premium and benefit structure of universal life insurance with investment options. Here, the cash value is invested in a selection of stock, bond, or mutual fund sub-accounts, allowing you to potentially earn a higher return.<\/p>\n<p>Given that your cash value is tied to market performance, this policy carries investment risks. If the investments perform poorly, you may have to pay higher premiums to maintain the same level of death benefit. This type of policy is suited for those who are financially savvy and are comfortable taking on market risks to potentially maximize cash value.<\/p>\n<h3>Term life insurance:<\/h3>\n<p>Term life insurance is the most straightforward and often the most affordable type of life insurance policy. It provides coverage for a specific term, usually ranging from 10 to 30 years. If you die within the term, your beneficiaries receive the predetermined death benefit. There is no cash value component in this policy.<\/p>\n<p>Premiums are generally lower, making it a cost-effective way to secure significant financial protection. However, once the term ends, you&#8217;ll either need to renew the policy, often at a higher rate, or convert it to a permanent policy. This policy is best for those who require substantial coverage for a specific period, like the duration of a mortgage or while raising children.<\/p>\n<h3>Group life insurance:<\/h3>\n<p>Group life insurance is typically offered as a part of an employee benefits package. Coverage is usually based on a multiple of your salary and is often available without the need for a medical examination. Premiums are either covered by the employer, shared between the employer and employee, or solely paid by the employee.<\/p>\n<p>The main drawback is that coverage may be limited compared to individual policies and often terminates when you leave the job. However, some policies allow for conversion to an individual plan. This type of insurance is beneficial for those without individual life insurance coverage, as it provides a baseline level of protection.<\/p>\n<p>As life changes, your life insurance needs will change, too. Fidelity Life is committed to helping families like yours get the financial protection they need, every step of the way. That\u2019s why we offer a variety of plans to meet the needs of individuals, families, and older adults.<\/p>\n<section class=\"page-content block block-page-content\" style=\"margin: 0; padding: 0; background: #f3f6f8;\" tabindex=\"-1\">\n<div class=\"page-content-inner\" style=\"text-align: center;\">\n<p><img decoding=\"async\" style=\"display: block; width: 100%; max-width: 800px; margin: 0;\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg\" alt=\"Couple smiling on a boat\" \/><\/p>\n<h2 style=\"margin: 0;\"><span id=\"life-insurance-for-seniors\">Find a policy that works for you<\/span><\/h2>\n<p style=\"margin: 0; padding: 0 50px;\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/p>\n<div class=\"preview-section-button\"><a class=\"site-link button purple\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\"> Get Started <\/a><\/div>\n<\/div>\n<\/section>\n<h2>What should you consider when buying life insurance?<\/h2>\n<p>Choosing the right life insurance policy is an important decision. Here are some factors that you may want to consider when picking a policy that aligns with your specific needs and financial objectives.<\/p>\n<h3>Financial goals and debts<\/h3>\n<p>The first step in the selection process is to identify the financial obligations that your loved ones would need to fulfill in your absence. This may include immediate needs such as funeral expenses and settling debts, as well as longer-term obligations like mortgage payments or educational costs for children. Adding up these costs may help you arrive at a baseline for the minimum amount of coverage you should consider.<\/p>\n<h3>Cash value growth<\/h3>\n<p>Permanent life insurance policies, such as whole life or universal life, come with an investment component. While the cash value can offer added financial flexibility, it&#8217;s important to weigh this feature against their more expensive premiums.<\/p>\n<h3>Beneficiaries<\/h3>\n<p>The structure of the death benefit payout can be tailored to meet specific needs. For example, you may opt for a lump sum, annuity payments, or even direct payments for costs like mortgage or educational expenses. Consider the financial situations of your beneficiaries when deciding how the benefit should be structured.<\/p>\n<div class=\"acf-field stream_1_remove_padding\">0<\/div>\n<div class=\"acf-field stream_1_add_table_of_contents\">0<\/div>\n<div class=\"migrated-grid repeater-products\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_1_products_0_title\">Term Life<\/div>\n<p class=\"acf-field stream_1_products_0_label_text\">10 years<\/p>\n<div class=\"acf-field stream_1_products_0_label_style\">red<\/div>\n<div class=\"acf-field stream_1_products_0_description\"><strong><em>RAPID<\/em><\/strong>ecision<sup>\u00ae<\/sup> Life<\/div>\n<div class=\"acf-field stream_1_products_0_starting_at\">19<\/div>\n<div class=\"acf-field stream_1_products_0_up_to\">500,000<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_1_products_0_buttons_0_style\">hollow<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Get my Quote<\/a><\/p>\n<div class=\"acf-field stream_1_products_0_buttons_1_style\">purple<\/div>\n<div class=\"acf-field stream_1_products_0_buttons\">2<\/div>\n<div class=\"acf-field stream_1_products_0_no_medical_exams\">0<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_1_products_1_title\">Term Life<\/div>\n<p class=\"acf-field stream_1_products_1_label_text\">15 years<\/p>\n<div class=\"acf-field stream_1_products_1_label_style\">yellow<\/div>\n<div class=\"acf-field stream_1_products_1_description\"><strong><em>RAPID<\/em><\/strong>ecision<sup>\u00ae<\/sup> Life<\/div>\n<div class=\"acf-field stream_1_products_1_starting_at\">19<\/div>\n<div class=\"acf-field stream_1_products_1_up_to\">250,000<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_1_products_1_buttons_0_style\">hollow<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_1_products_1_buttons_1_style\">purple<\/div>\n<div class=\"acf-field stream_1_products_1_buttons\">2<\/div>\n<div class=\"acf-field stream_1_products_1_no_medical_exams\">0<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_1_products_2_title\">Term Life<\/div>\n<p class=\"acf-field stream_1_products_2_label_text\">20 years<\/p>\n<div class=\"acf-field stream_1_products_2_label_style\">pink<\/div>\n<div class=\"acf-field stream_1_products_2_description\"><strong><em>RAPID<\/em><\/strong>ecision<sup>\u00ae<\/sup> Life<\/div>\n<div class=\"acf-field stream_1_products_2_starting_at\">19<\/div>\n<div class=\"acf-field stream_1_products_2_up_to\">500,000<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_1_products_2_buttons_0_style\">hollow<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_1_products_2_buttons_1_style\">purple<\/div>\n<div class=\"acf-field stream_1_products_2_buttons\">2<\/div>\n<div class=\"acf-field stream_1_products_2_no_medical_exams\">0<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_1_products_3_title\">Term Life<\/div>\n<p class=\"acf-field stream_1_products_3_label_text\">30 years<\/p>\n<div class=\"acf-field stream_1_products_3_label_style\">green<\/div>\n<div class=\"acf-field stream_1_products_3_description\"><strong><em>RAPID<\/em><\/strong>ecision<sup>\u00ae<\/sup> Life<\/div>\n<div class=\"acf-field stream_1_products_3_starting_at\">19<\/div>\n<div class=\"acf-field stream_1_products_3_up_to\">250,000<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_1_products_3_buttons_0_style\">hollow<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_1_products_3_buttons_1_style\">purple<\/div>\n<div class=\"acf-field stream_1_products_3_buttons\">2<\/div>\n<div class=\"acf-field stream_1_products_3_no_medical_exams\">0<\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_1_products_4_title\">Term Life<\/div>\n<p class=\"acf-field stream_1_products_4_label_text\">20 years<\/p>\n<div class=\"acf-field stream_1_products_4_label_style\">pink<\/div>\n<div class=\"acf-field stream_1_products_4_description\"><strong><em>RAPID<\/em><\/strong>ecision<sup>\u00ae<\/sup> Life<\/div>\n<div class=\"acf-field stream_1_products_4_starting_at\">19<\/div>\n<div class=\"acf-field stream_1_products_4_up_to\">250,00<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_1_products_4_buttons_0_style\">hollow<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_1_products_4_buttons_1_style\">purple<\/div>\n<div class=\"acf-field stream_1_products_4_buttons\">2<\/div>\n<div class=\"acf-field stream_1_products_4_no_medical_exams\">0<\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_1_products_5_title\">Term Life<\/div>\n<p class=\"acf-field stream_1_products_5_label_text\">20 years<\/p>\n<div class=\"acf-field stream_1_products_5_label_style\">pink<\/div>\n<div class=\"acf-field stream_1_products_5_description\"><strong><em>RAPID<\/em><\/strong>ecision<sup>\u00ae<\/sup> Life<\/div>\n<div class=\"acf-field stream_1_products_5_starting_at\">19<\/div>\n<div class=\"acf-field stream_1_products_5_up_to\">250,000<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_1_products_5_buttons_0_style\">hollow<\/div>\n<p><a href=\"#\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_1_products_5_buttons_1_style\">purple<\/div>\n<div class=\"acf-field stream_1_products_5_buttons\">2<\/div>\n<div class=\"acf-field stream_1_products_5_no_medical_exams\">0<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">theme_7<\/div>\n<div class=\"acf-field stream_2_enable\">1<\/div>\n<div class=\"acf-field stream_2_style\">info-white<\/div>\n<div class=\"acf-field stream_2_small_icon_holder\">0<\/div>\n<div class=\"acf-field stream_2_title\">Choose the right life insurance policy<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_remove_padding\">0<\/div>\n<div class=\"acf-field stream_3_type\">with_preview<\/div>\n<div class=\"migrated-grid repeater-products\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_3_products_0_title\">Term life insurance<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/10\/e17f84d5-esther-ann-glp-yh-1-c-wf-0-o-unsplash@2x.jpg\" alt=\"stream_3_products_0_image\" class=\"migrated-media id-441\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<a href=\"\/life-insurance\/term-life-insurance\/\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_3_products_0_description\">Term life insurance provides coverage over a set period, between 10 and 30 years. Term life is affordable and policies can be issued quickly, making it a popular choice for young adults and families.<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_3_products_1_title\">Final expense insurance<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/09\/7aeb5e61-anthony-tran-rvdl-db-1-d-68-c-unsplash@2x.jpg\" alt=\"stream_3_products_1_image\" class=\"migrated-media id-295\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<a href=\"\/life-insurance\/final-expense-insurance\/\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_3_products_1_description\">Final expense insurance can help pay for burial, as well as end-of-life medical costs or other debt. It&#8217;s a way to keep your loved ones from paying out of pocket or using savings or credit cards to pay for those expenses.<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_3_products_2_title\">Accidental death benefit<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/10\/124223c3-colin-maynard-8-a-yz-a-7-n-hwx-e-unsplash@2x.jpg\" alt=\"stream_3_products_2_image\" class=\"migrated-media id-440\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<a href=\"\/life-insurance\/accidental-death-insurance\/\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_3_products_2_description\">An accidental death benefit offers affordable coverage \u2013 without a health exam \u2013 in case of death by an accident or unexpected event like an automobile crash.<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_3_products_3_title\">Permanent life insurance<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/09\/78cf2025-jessica-rockowitz-6-c-4-uhhe-68-y-q-unsplash@2x.jpg\" alt=\"stream_3_products_3_image\" class=\"migrated-media id-293\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<a href=\"\/life-insurance\/permanent-life-insurance\/\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_3_products_3_description\">Permanent life insurance policies don&#8217;t expire, offering lifelong protection. While typically more expensive than term-life policies, they can build cash value over time.<\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_3_products_4_title\">Life insurance riders<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/09\/2cc5d010-anthony-tran-rvdl-db-1-d-68-c-unsplash-copy-10@2x.jpg\" alt=\"stream_3_products_4_image\" class=\"migrated-media id-292\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<a href=\"\/life-insurance\/life-insurance-riders\/\" target=\"\" class=\"acf-link\">Learn More<\/a><\/p>\n<div class=\"acf-field stream_3_products_4_description\">Life insurance riders are optional terms and conditions that can be added to your life insurance policy. A rider includes added benefits or protections, but may also increase a premium.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">theme_4<\/div>\n<div class=\"acf-field stream_4_title\">Get an affordable life insurance quote<\/div>\n<div class=\"acf-field stream_4_info\">*Rates based on a 30 year old female in good health.<\/div>\n<div class=\"migrated-grid repeater-products\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_4_products_0_product_name\">RAPIDecision\u00ae Life<\/div>\n<div class=\"acf-field stream_4_products_0_product_term\">10<\/div>\n<div class=\"acf-field stream_4_products_0_product_face_amount\">250000<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_4_products_1_product_name\">RAPIDecision\u00ae Life<\/div>\n<div class=\"acf-field stream_4_products_1_product_term\">20<\/div>\n<div class=\"acf-field stream_4_products_1_product_face_amount\">250000<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_4_products_2_product_name\">RAPIDecision\u00ae Life<\/div>\n<div class=\"acf-field stream_4_products_2_product_term\">30<\/div>\n<div class=\"acf-field stream_4_products_2_product_face_amount\">250000<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_enable\">1<\/div>\n<div class=\"acf-field stream_5_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"migrated-grid repeater-testimonials\">\n<div class=\"migrated-card card-0\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/08\/82a04884-shutterstock-641342971@3x.png\" alt=\"stream_5_testimonials_0_photo\" class=\"migrated-media id-74\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_5_testimonials_0_name\">Name<\/div>\n<div class=\"acf-field stream_5_testimonials_0_comment\">Quote about how Fidelity Life has changed my life. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.<\/div>\n<div class=\"acf-field stream_5_testimonials_0_stars\">3.8<\/div>\n<div class=\"acf-field stream_5_testimonials_0_reviews_count\">542<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/08\/82a04884-shutterstock-641342971@3x.png\" alt=\"stream_5_testimonials_1_photo\" class=\"migrated-media id-74\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_5_testimonials_1_name\">Name<\/div>\n<div class=\"acf-field stream_5_testimonials_1_comment\">Quote about how Fidelity Life has changed my life. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.<\/div>\n<div class=\"acf-field stream_5_testimonials_1_stars\">4.6<\/div>\n<div class=\"acf-field stream_5_testimonials_1_reviews_count\">123<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-6\">\n<div class=\"acf-field stream_6_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_6_style\">info-white<\/div>\n<div class=\"acf-field stream_6_small_icon_holder\">0<\/div>\n<div class=\"migrated-grid repeater-steps\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_6_steps_0_title\">Find my policy<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/1.svg\" alt=\"stream_6_steps_0_icon\" class=\"migrated-media id-209\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_6_steps_0_description\">Tell us about yourself, and we&#8217;ll match you to available Fidelity Life policies developed to meet your needs and work with your budget.<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_6_steps_1_title\">Get a quote<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/2.svg\" alt=\"stream_6_steps_1_icon\" class=\"migrated-media id-210\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_6_steps_1_description\">Select the life insurance policy that works best for you. We&#8217;ve made it fast and easy to get a quote online or to connect with one of our agents.<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_6_steps_2_title\">Apply &#038; buy<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/3.svg\" alt=\"stream_6_steps_2_icon\" class=\"migrated-media id-208\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_6_steps_2_description\">Check getting life insurance off your to-do list. We&#8217;ll walk you through the application and purchasing process. Coverage often starts in less than 48 hours.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-7\">\n<div class=\"acf-field stream_7_enable\">1<\/div>\n<div class=\"acf-field stream_7_circles_theme_generated_in_functions\">theme_19<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-8\">\n<div class=\"acf-field stream_8_display_single\">0<\/div>\n<div class=\"acf-field stream_8_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_8_add_table_of_contents\">0<\/div>\n<p class=\"acf-field stream_8_text\">\n<h2>Your life insurance questions answered<\/h2>\n<\/p>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-9\">\n<div class=\"acf-field stream_9_remove_padding\">0<\/div>\n<div class=\"acf-field stream_9_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_9_use_alphabetical_index\">0<\/div>\n<div class=\"migrated-grid repeater-list\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_9_list_0_title\">Will I need to take a medical exam?<\/div>\n<div class=\"acf-field stream_9_list_0_content\">Certain types of life insurance plans require a medical exam. Since companies are insuring your life, your health is a big factor in which plans you qualify for, and how much they will cost. At Fidelity Life, we offer many ways to get covered without needing to wait for a medical exam. It\u2019s part of our commitment to making life insurance simpler.<\/p>\n<p>Medical exams are free to you, can be completed at your home or workplace, and take about 30 minutes. When you take a medical exam with Fidelity Life, the examiner will measure your height and weight, pulse, and blood pressure. We then use that information to verify your health and determine the final price for your policy. <a href=\"\/life-insurance-basics\/life-insurance-medical-exam-101\/life-insurance-medical-exams\/\">You can learn more about taking a medical exam here<\/a>.<\/p>\n<p>Fidelity Life offers a number of plans that provide immediate coverage, with no need to wait for a medical exam. We were the <a href=\"\/why-fidelity-life\/our-company-history\/\">first life insurance company<\/a> to use predictive analytics to replace the need for a medical exam. With our <strong><em>RAPID<\/em><\/strong>ecision\u00ae Life term life insurance, you can buy coverage that starts the same day and delay or even skip the medical exam, in some cases.<\/p>\n<p>Many of our other policies, including <strong><em>RAPID<\/em><\/strong>ecision\u00ae Senior Life Term, <strong><em>RAPID<\/em><\/strong>ecision\u00ae Senior Whole Life, and <strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense, rely on a health questionnaire instead of a medical exam. If you don\u2019t want to take an exam, these options can still help you get the coverage you need.<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_9_list_1_title\">Are life insurance policies effective immediately?<\/div>\n<div class=\"acf-field stream_9_list_1_content\">While it traditionally took up to eight weeks to complete the application process and have coverage take effect, you don\u2019t have to wait to protect your family anymore. Online buying and new underwriting methods are making it faster and simpler to get covered.<\/p>\n<p>With many of Fidelity Life\u2019s plans, you can get coverage the same day you apply. If you buy life insurance online with Fidelity Life, your policy is effective as soon as you complete the online application and pay \u2013 and the process only takes about 10 minutes. You can also buy life insurance by phone, with coverage starting immediately in many cases.<\/p>\n<p>One note: With some policies, you may have partial coverage for an initial period of time, with full coverage kicking in later. Check with one of our agents about the specifics for your policy.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_9_list_2_title\">Can I get covered if I have health issues?<\/div>\n<div class=\"acf-field stream_9_list_2_content\">Yes, it\u2019s possible to get covered, even if you have a medical condition or history of health issues. Fidelity Life offers a wide range of plans, including no medical exam options. When you apply, we\u2019ll ask you about your health history, such as any current conditions you may have, the medications you take, and treatments you\u2019ve undergone. This information will help determine the best plan for you.<\/p>\n<p>If your condition is mild and you\u2019re in good health otherwise, you may still be a good fit for term life, and you can even still get competitive rates. Otherwise, some options that may work better include:<\/p>\n<ul>\n<li><a href=\"\/life-insurance-basics\/life-insurance-101\/simplified-issue-life-insurance\/\"><strong>Simplified issue<\/strong><\/a><strong>: <\/strong>Simplified issue insurance is a life insurance policy you can be approved for with minimal health questions. This type of insurance is typically geared toward people who need to obtain life insurance right away or those who don\u2019t want to take a medical exam.<\/li>\n<li><a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/guaranteed-issue-life-insurance\/\"><strong>Guaranteed issue<\/strong><\/a><strong>: <\/strong>Guaranteed issue insurance is a life insurance policy with no health qualifications. This type of insurance is typically geared toward older people who may have health conditions that prevent them from qualifying for other types of life insurance.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_9_list_3_title\">What\u2019s the difference between life insurance and accidental death benefit plans?<\/div>\n<div class=\"acf-field stream_9_list_3_content\">Both life insurance and accidental death benefit plans are designed to provide financial protection, with some important differences. Accidental death benefit plans provide a payout if you die because of a covered accident or injury, while life insurance pays out for any covered cause of death.<\/p>\n<p>Life insurance offers more complete protection, but accidental death benefit plans can be a good choice in some cases. There\u2019s no medical exam needed with accidental death, and you\u2019re guaranteed to be approved if you meet the age requirements.<\/p>\n<p>Accidental death might be right for you if:<\/p>\n<ul>\n<li>You have health issues and are concerned about qualifying for a term or permanent life insurance policy. If you\u2019re between the ages of 20 and 59, you\u2019re guaranteed to qualify for Fidelity Life\u2019s accidental death benefit coverage.<\/li>\n<li>You need coverage fast \u2013 since there\u2019s no medical exam required, you can get approved for coverage as soon as you apply.<\/li>\n<li>You want to supplement your existing life insurance coverage.<\/li>\n<\/ul>\n<p>FLA offers accidental death benefit coverage of up to $300,000 to meet our customers\u2019 needs. <a href=\"https:\/\/fidelitylife.com\/life-insurance\/accidental-death-insurance\/\">Explore accidental death benefit plans here.<\/a><\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_9_list_4_title\">Should I add a life insurance rider to my policy?<\/div>\n<div class=\"acf-field stream_9_list_4_content\"><a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/\">Life insurance riders<\/a> are optional conditions you can add to your insurance policy to expand its benefits. Fidelity Life offers several riders you can add to a policy, some at no additional cost:<\/p>\n<ul>\n<li>Accidental death benefit rider<\/li>\n<li>Child insurance policy rider<\/li>\n<li>Inflation rider<\/li>\n<li>Accelerated benefit rider<\/li>\n<li>Return of premium rider<\/li>\n<\/ul>\n<p>Talk to an agent about whether a rider makes sense for you.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_9_list_5_title\">I have a question about my current policy. What should I do?<\/div>\n<div class=\"acf-field stream_9_list_5_content\">We\u2019re here to help. <a href=\"https:\/\/fidelitylife.com\/support\/\">You can find answers to many questions in our support center<\/a>, including FAQs regarding policy changes, billing and death claims. If you need to talk to someone, you can give us a call at 800.369.3990 from 8 a.m. to 5 p.m. Central.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-10\">\n<div class=\"acf-field stream_10_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_10_style\">info-white<\/div>\n<div class=\"acf-field stream_10_small_icon_holder\">0<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-11\">\n<div class=\"acf-field stream_11_heading\">Your life insurance questions answered<\/div>\n<div class=\"acf-field stream_11_enable\">1<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-12\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/10\/4d2ae549-callin_slider_img.png\" alt=\"stream_12_image\" class=\"migrated-media id-649983\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_12_content\">\n<div class=\"slider-text\">\n<p>A LICENSED AGENT IS AVAILABLE NOW!<\/p>\n<div class=\"slider-navigation-phone slider-phone-text\"><a href=\"tel: 1-844-486-2054\">CALL 1-844-486-2054<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default style-blue Get an affordable, convenient life insurance quote online Protecting families for over 125 years, Fidelity Life offers fast, affordable life insurance plans to help protect what matters. Get covered today &#8211; get a quote and buy online or by phone. Get Started Default content What is life insurance? Life insurance is a contract [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-41","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Compare Life Insurance Quotes and Find a Policy | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Protect your loved ones with affordable life insurance. 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