Rapid Decision Mortgage Term

Rapid Decision Mortgage Term is the fastest, easiest way to get the high quality, low cost term coverage you need to protect your biggest investment.

Unlike the simplified issue products typical of the mortgage market, Rapid Decision Mortgage Term is fully-underwritten. That means we can offer lower rates because you don't have to absorb the cost of covering higher risk customers.

With Rapid Decision Mortgage Term we use our Rapid Decision underwriting process so your application can be approved in hours or days, not months, with no medical exam. Policy issuance depends only on the answers to a few health questions.*

And while many mortgage insurers set a limit of $300,000 on their mortgage term policies, Fidelity Life is the only company issuing mortgage coverage up to $500,000 depending on age with no medical exam — an amount more in keeping with today's escalating home values.

Rapid Decision Mortgage Term can be issued for guaranteed level premium periods of 15, 20, 30 — even 40 years — the maximum available anywhere.

Since no two homeowners' insurance requirements are the same, Fidelity Life offers a variety of optional riders to insure that your RD Mortgage Term policy is exactly right. Our riders include Accident Disability Income, Waiver of Premium on Involuntary Unemployment, Accelerated Death Benefit, Waiver of Premium, Dependent Child, Accidental Death Benefit, Return of Premium and Other Insured.

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

Not all products available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.