Rapid Decision Term

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

No medical examinations. No testing. And no waiting for results.* 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.

Rapid Decision Term features our rapid decision underwriting process which utilizes the Internet and the active involvement of our underwriters. Our application, approval and delivery processes have been streamlined to allow underwriting decisions to be made in days, instead of the standard time frame of several months.

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.

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.