{"id":649392,"date":"2024-12-03T08:26:10","date_gmt":"2024-12-03T08:26:10","guid":{"rendered":"https:\/\/fidelitylife.com\/?p=649392"},"modified":"2024-12-03T08:26:10","modified_gmt":"2024-12-03T08:26:10","slug":"face-value-life-insurance","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392","title":{"rendered":"What is the Face Amount of Life Insurance?"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<p>The face amount, or face value, of a life insurance policy, is the amount of money an insurer will pay out to beneficiaries if the policyholder passes away. For example, if you buy a $100,000 life insurance policy, the face amount of that policy is $100,000. Generally, life insurance with a higher face value will cost more in premiums. Here\u2019s what you need to know to calculate the face value of life insurance and understand how it differs from cash value.<\/p>\n<h2>How to calculate the face value of life insurance<\/h2>\n<p>Calculating the face value of a <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> term life insurance policy <\/a> can be straightforward. The policy\u2019s death benefit payment is typically the face amount. Keep in mind that any riders you\u2019ve added to your policy may impact the total value. It may be a little trickier to calculate the face value of a permanent life insurance policy.<\/p>\n<p>A permanent life insurance policy differs from term as it lasts a lifetime and can accrue cash value. You can borrow against that cash value or withdraw from it. Removing a policy\u2019s cash value can impact the face value. Any funds removed from the cash value account and not replenished could mean loved ones won\u2019t receive as big a death benefit.<\/p>\n<p>To calculate the face amount of a life insurance policy:<\/p>\n<ul>\n<li>Review policy documents to determine the total death benefit.<\/li>\n<li>Subtract any cash value account loans or withdrawals.<\/li>\n<li>Take riders into consideration that could either increase or decrease the face amount.<\/li>\n<\/ul>\n<p>If your head is spinning as you try to calculate your life insurance policy\u2019s face amount, our agents are available to help.<\/p>\n<h2>Does life insurance face value ever change?<\/h2>\n<p>In most cases, the face value of life insurance does not change. As long as you retain the same policy and continue to make payments, the face amount will remain consistent. However, there are a few unique scenarios where face value can change, including if:<\/p>\n<ul>\n<li>You used a rider: Some policy riders, like terminal illness, enable you to use a policy\u2019s value while you\u2019re alive. With a <a href=\"\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> terminal illness rider <\/a> , you can access your death benefit early for medical or living expenses if you are diagnosed with a terminal illness. Because you\u2019re getting some of the benefit now it decreases the face value of your policy, meaning your beneficiaries will receive less when you pass away.<\/li>\n<li>You took out a loan: If you leveraged a cash value life insurance policy by taking out a loan, your insurer would subtract any unpaid amounts from the death benefit when you pass.<\/li>\n<li>You switched to a larger or smaller coverage amount: Life happens, and you may go through periods of not being able to afford as much coverage or wanting to bump up your coverage. For example, if you had a surprise pregnancy, your existing coverage might not be enough to provide for the new child\u2019s education expenses. In that case, you could work with your insurer to increase your coverage amount, which increases your policy\u2019s face value.<\/li>\n<li>You lied on your life insurance application: If you pass away during a policy\u2019s contestability period, which typically lasts a few years after buying a policy, an insurer can review your application to ensure you were truthful. If you misrepresented something, like not disclosing a cancer diagnosis, your beneficiaries could receive a partial death benefit, or the claim could be denied entirely. In this instance, the face amount of the policy would become lower.<\/li>\n<\/ul>\n<h2>Is life insurance face value the same as cash value?<\/h2>\n<p>Life insurance face value is not the same as cash value. Face value applies to all life insurance policies, regardless if it\u2019s a term or permanent policy whereas cash value only applies to permanent life insurance policies.<\/p>\n<p>Face value is for your beneficiaries: it\u2019s the amount they\u2019ll receive if you pass away while the policy is active. Yet, cash value benefits you as you can tap into the equity of a policy while you\u2019re alive.<\/p>\n<h2>What should your life insurance face value be?<\/h2>\n<p>The face value of a life insurance policy should be enough to meet your family\u2019s financial needs and goals. For example, if you want to leave a hefty legacy payment to your favorite charity, you may need a life insurance policy with a larger face amount. If you only need to leave behind enough money to cover burial expenses, a smaller face amount via a <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> final expense policy <\/a> might be sufficient.<\/p>\n<p>Consider these steps if you\u2019re unsure how much life insurance you need.<\/p>\n<h3>1. Determine your family\u2019s needs<\/h3>\n<p>It\u2019s important to assess your family\u2019s needs as you think about your life insurance\u2019s face value. Calculate the amount of money loved ones would need to cover debts like a mortgage or medical bills and education expenses for dependents. You\u2019ll also want to consider how many dependents the policy needs to support and the number of monthly expenditures covered by your income. If you\u2019re struggling to come up with an appropriate policy size, our <a href=\"\/life-insurance-calculator\/term-life-insurance-calculator\/\"> life insurance calculator <\/a> can help.<\/p>\n<h3>2. Figure out how much coverage you can get<\/h3>\n<p>Once you have a ballpark idea of how much money your family needs, you\u2019ll want to determine how much coverage you can get. Face value could be limited based on your ability to show a financial justification. An insurer may ask about your income, age, and health to determine if you have a case for a larger policy, like a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/cost-of-one-million-dollar-life-insurance-policy\/\"> million-dollar life insurance policy <\/a> .<\/p>\n<h3>3. Decide how much you can afford<\/h3>\n<p>Larger face amounts generally mean higher premium payments, so it\u2019s important to know what you can afford as you get quotes. The good news is that many people overestimate the cost of life insurance coverage. According to <a href=\"https:\/\/www.limra.com\/en\/research\/research-abstracts-public\/2021\/2021-insurance-barometer-study\/\"> LIMRA\u2019s 2021 Life Insurance Barometer study <\/a> , more than half of the population thinks a $250,000 term life policy is over three times more expensive than it actually is. For this reason, it\u2019s best to get a quote to determine how much a policy with the face amount you want costs. Then, compare that with your budget and how much you can reasonably afford to pay.<\/p>\n<h2>Find your life insurance policy with Fidelity Life<\/h2>\n<p>Reviewing different policy types can help you understand how premium payments change with different face values. It\u2019s wise to compare the cost and coverage of term and permanent life insurance policies before you commit. Get started today by <a href=\"https:\/\/fidelitylife.com\/#get-quote\"> getting a quote <\/a> or contacting an agent at 866-366-0251.<\/p>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The face amount, or face value, of a life insurance policy, is the amount of money an insurer will pay out to beneficiaries if the policyholder passes away. For example, if you buy a $100,000 life insurance policy, the face amount of that policy is $100,000. Generally, life insurance with a higher face value will [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":290160,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-649392","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the Face Amount of Life Insurance? | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Understand face amount in life insurance with Fidelity Life. Learn how it impacts your policy&#039;s payout and why it\u2019s crucial for choosing the right coverage for your needs.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the Face Amount of Life Insurance? | Fidelity Life\" \/>\n<meta property=\"og:description\" content=\"Understand face amount in life insurance with Fidelity Life. Learn how it impacts your policy&#039;s payout and why it\u2019s crucial for choosing the right coverage for your needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392\" \/>\n<meta property=\"og:site_name\" content=\"Fidelity Life\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-03T08:26:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/05\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"686\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jane Mitchell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jane Mitchell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392\"},\"author\":{\"name\":\"Jane Mitchell\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\"},\"headline\":\"What is the Face Amount of Life Insurance?\",\"datePublished\":\"2024-12-03T08:26:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392\"},\"wordCount\":1103,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg\",\"articleSection\":[\"Life Insurance 101\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392\",\"name\":\"What is the Face Amount of Life Insurance? | Fidelity Life\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg\",\"datePublished\":\"2024-12-03T08:26:10+00:00\",\"description\":\"Understand face amount in life insurance with Fidelity Life. Learn how it impacts your policy's payout and why it\u2019s crucial for choosing the right coverage for your needs.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#primaryimage\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg\",\"width\":1200,\"height\":686,\"caption\":\"Couple reviewing information on the face amount of a life insurance policy\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=649392#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is the Face Amount of Life Insurance?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#website\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"name\":\"Fidelity Life\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\",\"name\":\"Fidelity Life\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"contentUrl\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/fla-vertical-logo.svg\",\"width\":824,\"height\":148,\"caption\":\"Fidelity Life\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\",\"name\":\"Jane Mitchell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g\",\"caption\":\"Jane Mitchell\"},\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is the Face Amount of Life Insurance? | Fidelity Life","description":"Understand face amount in life insurance with Fidelity Life. Learn how it impacts your policy's payout and why it\u2019s crucial for choosing the right coverage for your needs.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"What is the Face Amount of Life Insurance? | Fidelity Life","og_description":"Understand face amount in life insurance with Fidelity Life. Learn how it impacts your policy's payout and why it\u2019s crucial for choosing the right coverage for your needs.","og_url":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392","og_site_name":"Fidelity Life","article_published_time":"2024-12-03T08:26:10+00:00","og_image":[{"width":1200,"height":686,"url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/05\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg","type":"image\/jpeg"}],"author":"Jane Mitchell","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jane Mitchell","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#article","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392"},"author":{"name":"Jane Mitchell","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/person\/ee36011e046d223246a3366bb92965b0"},"headline":"What is the Face Amount of Life Insurance?","datePublished":"2024-12-03T08:26:10+00:00","mainEntityOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392"},"wordCount":1103,"commentCount":0,"publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/05\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg","articleSection":["Life Insurance 101"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#respond"]}]},{"@type":"WebPage","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392","url":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392","name":"What is the Face Amount of Life Insurance? | Fidelity Life","isPartOf":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#primaryimage"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#primaryimage"},"thumbnailUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/05\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg","datePublished":"2024-12-03T08:26:10+00:00","description":"Understand face amount in life insurance with Fidelity Life. Learn how it impacts your policy's payout and why it\u2019s crucial for choosing the right coverage for your needs.","breadcrumb":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#primaryimage","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/05\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/05\/ad1c2ef7-young-indian-couple-reading-paper-bills-paying-loan-bank-debt-online.jpg","width":1200,"height":686,"caption":"Couple reviewing information on the face amount of a life insurance policy"},{"@type":"BreadcrumbList","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=649392#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/staging03.wordpress.fidelitylife.com\/"},{"@type":"ListItem","position":2,"name":"What is the Face Amount of Life Insurance?"}]},{"@type":"WebSite","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#website","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","name":"Fidelity Life","description":"","publisher":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/staging03.wordpress.fidelitylife.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#organization","name":"Fidelity Life","url":"https:\/\/staging03.wordpress.fidelitylife.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/","url":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","contentUrl":"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2026\/04\/fla-vertical-logo.svg","width":824,"height":148,"caption":"Fidelity Life"},"image":{"@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/staging03.wordpress.fidelitylife.com\/#\/schema\/person\/ee36011e046d223246a3366bb92965b0","name":"Jane Mitchell","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a95d7edf9e7009fc3f0a035f50061c1ecfb44d14750d570db835134e7ed06673?s=96&d=mm&r=g","caption":"Jane Mitchell"},"url":"https:\/\/staging03.wordpress.fidelitylife.com\/?author=2"}]}},"_links":{"self":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts\/649392","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=649392"}],"version-history":[{"count":0,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/posts\/649392\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=\/wp\/v2\/media\/290160"}],"wp:attachment":[{"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=649392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=649392"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging03.wordpress.fidelitylife.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=649392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}