Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 29, 2021

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The Facts of Life

  • Accordia Life has lower rates than Fidelity Life
  • Accordia Life has better ratings than Fidelity Life
  • Fidelity Life offers more term life options than Accordia Life

Accordia Life and Fidelity Life offer various types of life insurance. Accordia Life has lower monthly rates and better overall ratings. Fidelity Life offers three different types of term life insurance, while Accordia Life offers more permanent life options.

Comparing Accordia Life vs. Fidelity Life will help you find the best fit for your needs.

For information on providers other than Accordia Life vs. Fidelity Life, enter your ZIP code to find the best life insurance quotes in your area.

Accordia Life vs. Fidelity Life: What are their monthly rates?

Price is a major factor for many people when comparing life insurance providers. Accordia Life insurance rates and Fidelity Life insurance rates depend on multiple factors, including gender, age, and health.

The following charts will allow you to compare the monthly rates of these popular life insurance providers.

Accordia Life vs. Fidelity Life: Male 20-Year Term $250,000 Policy Monthly Rates by Age

CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly Rates
Accordia Life$16.91$23.36$56.07
Fidelity Life$51.76$77.21$175.30
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The following is the same information for females.

Accordia Life vs. Fidelity Life: Female 20-Year Term $250,000 Policy Monthly Rates by Age

CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly Rates
Accordia Life$15.58$20.69$41.83
Fidelity Life$37.63$63.94$121.15
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As these charts show, Accordia Life offers lower rates than Fidelity Life and rates for females are lower than for males.

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Accordia Life vs. Fidelity Life: What are their ratings?

Accordia Life and Fidelity Life have been rated by the most trusted rating agencies.

This includes A.M. Best, Standard and Poor’s (S&P), Fitch, and Moody’s. These ratings determine the financial strength of a company. Financially strong companies will have an easier time providing payouts when a claim is filed.

Accordia Life has been rated an “A” by A.M. Best and Fitch, an “A-” by S&P, and an “A3” by Moody’s. These are all considered strong ratings, though not at the top of the scale. The lower rating by S&P says that Accordia Life could have difficulty providing a payout during difficult times.

Fidelity Life has been rated an “A-” by A.M. Best, S&P, and Fitch, as well as a “Baa1” by Moody’s. Except for S&P, these are all lower ratings than Accordia Life.

Accordia Life vs. Fidelity Life: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow current and previous customers to list complaints. This allows potential customers to determine the quality of service that they’ll receive from each provider.

At the time of this comparison, the BBB has received 45 complaints about Accordia Life over the past three years. The NAIC has given the provider a complaint index rating of 3.67, higher than the national average of 1.00.

These numbers show that Accordia Life has received more complaints than companies of a similar size.

In the past three years, the BBB has received 45 complaints about Fidelity Life. While this is a greater number of complaints than many competitors, it has a complaint index of 0.90 according to the NAIC.

That shows that the NAIC has received a lower number of complaints than similarly-sized competitors.

The Better Business Bureau also grades companies, considering their business practices and complaint history. The organization has graded Accordia Life an “A” and Fidelity Life an “A+.”

Accordia Life vs. Fidelity Life: What products are offered?

Accordia Life and Fidelity Life offer term life and permanent life options. While they both offer term life and whole life insurance, only Accordia Life offers universal life coverage. Fidelity Life does offer final expense insurance, something that’s missing from Accordia Life’s policy options.

Accordia Life offers term life insurance in 10, 15, 20, 25, and 30-year terms. These policies start at $25,000. That’s lower than most competitors, who usually start their term life policies at $100,000. This lower value is a good option for customers looking for lower monthly rates or less coverage.

In addition to term life coverage, Accordia Life also offers whole life, universal life, and indexed universal life insurance.

The difference between these policies is that whole life has fixed premiums, universal life has flexible premiums, and indexed universal life features a cash value dependant on popular stock indexes.

Fidelity Life offers term life plans that are designed for younger customers and permanent life plans designed specifically for the elderly. The provider’s term life plans can be purchased between the ages of 18 and 65 and are available in 10- to 30-year terms.

RAPIDecision LIfe is the most basic type of term life coverage and is available for those between 18 and 65 years of age. This type of insurance is available up to $1 million and can be purchased in 10-, 15-, 20-, or 30-year terms.

The company’s express term life coverage, called RAPIDecision Express, doesn’t require a medical examination. Coverage can be obtained between $50,000 and $100,000. The lower maximum coverage is due to the lack of a medical examination.

The RAPIDecision Senior Life plan is specifically designed for the elderly, available for those between 50 and 70 years of age. The maximum amount of coverage for this type of term life insurance is $150,000 and is available in 10, 20, or 30-year terms.

Fidelity Life also offers whole life insurance. The only whole life policy offered is available for those between 50 and 85 years of age and the value ranges from $10,000 to $150,000. No medical examinations are required for this type of coverage and the premium amounts are guaranteed.

In addition to life insurance, Fidelity Life also offers final expense insurance. This helps beneficiaries with a policyholder’s final expenses, such as a burial. This type of coverage is available between $5,000 and $35,000.

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Accordia Life vs. Fidelity Life: What riders are available?

Life insurance policies offer basic coverage, but some customers might desire more. Most life insurance providers offer optional coverage, called riders. These options can be included with a policy but are more commonly added to a policy for an additional premium.

The most common rider is an accelerated death benefits rider. This allows a policyholder to access a portion of their death benefit before death if they suffer from a terminal illness. Accordia Life and Fidelity Life offer this rider free of charge with certain policies.

In addition to the accelerated death benefits rider, several optional riders are available. Optional riders offered by Accordia Life include:

  • Primary insured
  • Additional insured
  • Guaranteed purchase options
  • Children’s insurance
  • Accidental death benefit
  • Waiver of monthly deduction
  • Waiver of a specified premium
  • Wellness for life

Optional riders offered by Fidelity Life include:

  • Child life insurance
  • Accidental death
  • Return of premium

As you can see, Accordia Life offers more optional riders than Fidelity Life.

Accordia Life vs. Fidelity Life: History

The Accordia Life and Annuity Company was founded as Aviva USA and was owned by Athene. In 2013, Global Atlantic purchased the life insurance provider, making it a subsidiary of the larger company. Global Atlantic has multiple other subsidiaries offering various types of insurance.

Fidelity and Guaranty Life was founded in Illinois in 1898. Originally named the Fidelity Life Association, the provider is now owned by Vericity. The parent company also owns eFinancial and Fidelity & Guaranty Life products can be purchased through eFinancial.

Accordia Life vs. Fidelity Life: The Bottom Line

The decision between Accordia Life and Fidelity Life will largely depend on the type of policy you desire.

If you’re looking for term life, Fidelity Life has more options. For those more interested in universal life coverage, Accordia Life has multiple policies available. Comparing Accordia Life vs. Fidelity Life will help you find the provider that best meets your needs.

Finding affordable Accordia Life insurance quotes and affordable Fidelity Life insurance quotes is possible.

Now that you’ve compared Accordia Life vs. Fidelity Life, enter your ZIP code to find the best life insurance rates in your area.

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Accordia Life vs. Fidelity Life: Frequently Asked Questions

Here are some frequently asked questions about Accordia Life and Fidelity Life.

#1 – How can I cancel my policy?

Accordia Life policies can be canceled by calling a representative and requesting a cancellation. Fidelity Life policies are canceled automatically when payments are not made.

#2 – Can I buy life insurance online?

Accordia Life allows customers to apply, receive approval, and make payments through its website. Fidelity Life policies can be purchased by contacting agents listed on the company’s website.

#3 – How can I make payments?

Customers of Accordia Life and Fidelity Life can make payments through both providers’ websites, by phone, or by mail. These payments can be made by credit card, debit card, automatic bank draft, and check.