Worksite & Sponsored Benefits

Whether you purchase a life insurance policy directly through an agent or through a worksite-sponsored, payroll deduction program, purchasing life insurance is crucial for helping to ensure that your family needs are met in case of the death of you or your spouse during peak earning years.

WHO NEEDS LIFE INSURANCE?
You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death. The money your dependents will receive, "the death benefit," can help pay essential day-to-day expenses, such as the mortgage and medical bills, and help your family reach longer-term goals such as your children's college education. Plus, life insurance can help ensure that your loved ones are not burdened with debt, or forced to sell assets to pay outstanding bills or taxes.

WHAT LIFE INSURANCE POLICIES DO YOU CURRENTLY OFFER?
Fidelity Life can team up with your employer to offer you the life insurance you need to provide protection and financial security for yourself and your family.

• Worksite LifeTime Benefit Term: Provides employees and spouses term coverage through age 120 on a guaranteed level premium basis. Utilizes accept/reject underwriting on a conditional guaranteed or simplified issue basis.
  
  
• Worksite RD Term: Provides higher death benefits at lower cost for individuals willing to submit to additional underwriting. Although fully-underwritten, medical exams are not required and accept/reject underwriting is completed within a few days of receipt of the application. Coverage lasts to age 94.
  
  
• Worksite Graded Death Benefit Whole Life: Designed especially to meet the needs of an employer’s retirees and the parents of current employees. Provides a partial death benefit in the first two years with full coverage beginning in year three. Simple to apply for with underwriting based on the answers to a few health questions.
  

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.