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: Apr 16, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Fidelity Life offers various term and whole life insurance options
  • Only customers ages 50-85 can apply for whole life by Fidelity
  • Some life insurance policies through Fidelity don’t require a medical exam

Fidelity Life offers many different types of life insurance, including term life insurance and whole life insurance. Depending on the type of policy you purchase and your age, you may not have to undergo a medical exam.

Before you buy Fidelity Life insurance, read our review to see if the products available are right for you. Weigh the pros and cons of Fidelity Life rates and ratings to determine if it meets your life insurance needs.

Shop around and compare quotes from multiple companies to find the best life insurance coverage at the cheapest price. Enter your ZIP code now to compare term and whole life insurance quote from multiple companies near you.

What products does Fidelity Life offer?

The Fidelity Life insurance company offers a variety of life insurance coverages and riders, although some of the offerings are restricted by age. Fidelity products include:

  • Term life insurance – Coverage amounts range from $50,000 to $1 million, and terms range from 10-30 years.
  • Whole life insurance for seniors – The policies range from $10,000 to $150,000, and there is usually no required medical exam.
  • Final expense insurance – These policies offer low coverage amounts for people up to age 85.
  • Accidental death insurance
  • Multiple riders including a child rider, terminal illness rider, and inflation rider

If you are between ages 50-85 and purchasing a guaranteed life insurance policy, there are no medical exams or questions. However, these senior life insurance policies tend to be very low coverage and have high rates.

Fidelity Life also offers a 30-day cancellation policy in case you change your mind after purchasing.

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What life insurance rates are offered by Fidelity Life?

Fidelity Life insurance rates are determined by a variety of factors. Your age, gender, habits, hobbies, and medical history can all play a part in determining how much you pay for Fidelity life insurance.

This table shows you average rates for a non-smoker with a Fidelity term life insurance policy. Rates for smokers will be much more expensive.

Fidelity Life Average Monthly Term Life Insurance Rates for a Non-Smoker
Age of Insured (Years)Average Monthly Rates for $100,000/10-yearAverage Monthly Rates for $100.000/20-yearAverage Monthly Rates for $100,000/30-year
25$10.01$12.62$16.01
30$10.05$12.70$16.53
35$10.62$13.53$17.23
40$11.10$14.84$20.14
45$14.31$19.49$30.63
50$18.67$27.80$49.07
55$26.28$37.93N/A
60$36.76$64.47N/A
65$58.38NAN/A
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Rates with Fidelity are generally higher than average. As you age, your rates will increase significantly with a Fidelity term life insurance policy.

What are the Fidelity Life ratings?

A.M. Best rates companies on financial stability. Fidelity Life received an A- rating, meaning it has an excellent ability to meet financial obligations.

The Better Business Bureau gives Fidelity Life an A+ rating, and it is accredited.

Fidelity seems to have a problem with customer service as there are many negative reviews. Many of the negative reviews involve spam emails. Complaints about customer service lower the confidence buyers have in Fidelity Life.

What is the history of Fidelity Life?

Fidelity Life was founded in Illinois as Mystic Workers of the World in 1896 offering various types of life insurance. It was also one of the first companies to offer life insurance to both men and women. In 1930, the company was renamed the Fidelity Life Association.

Fidelity offers a website that allows customers to find out about the different products offered as well as access their accounts. You can even get Fidelity life insurance quotes online, although some reviews say the quote system is difficult to use.

In addition to the website, you can reach Fidelity customer service at 866-912-7775.

It’s important to note that Fidelity Life is not a part of Fidelity and Guaranty Life. Fidelity & Guaranty Life is a part of Fidelity National Financial.

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Fidelity Life: The Bottom Line

Fidelity Life life insurance offerings include term and whole life coverage, but whole life is only offered to seniors. Rates are usually higher than average with Fidelity, and customer service ratings are lower than average.

You might not be able to find affordable Fidelity Life insurance, but it might be worth the extra money if you need guaranteed acceptance with no medical exam.

Now that you’ve learned about what Fidelity Life can offer you, shop around to see which company can offer you the best deal. Enter your ZIP code now to compare term and whole life insurance quotes for free today.