Fidelity Life Simplified Issue Life Insurance


See What Fidelity Life Simplified Issue Life Insurance And Our Insurance Brokerage System Has To Offer!

Fidelity Life insurance brokerage to offers a fast, hassle-free purchase experience. With our Rapid Decision Term product and our state-of-the-art Rapid App application, approval and delivery process has been streamlined to allow you to obtain coverage from Fidelity Life in days, not months.

There are no exams, no tests, no waiting periods and processing delays.* Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other insurer.

Rapid Decision Term is a level death benefit term life insurance product to age 95. Guaranteed level premium periods of 5, 10, 15, 20 and 30 years are available. After the level premium period, rates increase each year through age 94. The policy is convertible during the first 10 policy years or to age 65, whichever comes first.

Our Rapid Decision Term product also features a number of valuable riders such as Accelerated Death Benefit which is included with the policy and optional riders such as Return of Premium, Waiver of Premium, Dependent Child, and Accidental Death.

*Occasionally a medical exam, test or report will be ordered to assist a customer in clarifying or correcting an item of medical history

Fidelity Life

Fidelity Life Stock Chart

An odd duck. It's a mutual company, but it had been closely affiliated with a Chase insurance company (as well as Bank One and the Zurich Insurance Group), sharing the same management. That management services agreement ended in 2005, and the Board of Directors has approved a plan to convert to a mutual holding company. Next steps: Approval by state regulators and policyholders
Fidelity Life Association
Address1 P.O. Box 9269
Address2 -
City Oak Brook
State IL
Zip 60522
Phone Number (877) 704-6279
Fax Number -

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Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

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Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

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Mail completed forms to -

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  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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