Fidelity Return Of Premium Term Life Insurance

  Fidelity Life Announces the Addition of Return of Premium to its Revolutionary RD Term Product  

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  Fidelity Life Association announces the addition of a Return of Premium rider to its Rapid Decision Term product.

CHICAGO, March 8, 2007-

Fidelity Life Association today announced the addition of a Return of Premium rider to its Rapid Decision Term product. Available in 15, 20 or 30-year terms, the Return of Premium Rider allows customers to receive a percentage of their premium back - grading up to 100% at the end of a full policy term.

The rider is attached to Fidelity Life Association's revolutionary RD Term product which utilizes the company's web-based Rapid App underwriting and approval process. The process enables the company to make decisions on a fully-underwritten basis within hours or days, not the months typical of other fully-underwritten products.

"Because we utilize our Rapid App process, we are extremely competitively priced for our Return of Premium product versus our fully-underwritten competitors and much less expensive than simplified issue," said Mike Honeysett, Fidelity Life Association's Vice President of Marketing. "This is just another example of our use of innovation and technology to provide valuable insurance products to the traditionally underserved people of the middle market."

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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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. 

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