Affordable Life Insurance Protection for Your Family

Fidelity Life Hybrid

What is Fidelity Life Hybrid Life Insurance?

It’s a combination of term life insurance and accidental death insurance that helps you get insured in just 48 hours. And, there’s no health exam required to start your life insurance policy.

Fidelity Hybrid Life Explained  

It’s quick issue life insurance that offers affordable prices and easy approval.

Fidelity Life is one of the best no medical exam life insurance companies.

Why? Because they offer affordable prices, easy approval and flexible plans to meet your needs.

Fidelity’s "hybrid" term life insurance plan allows clients like you to get life insurance coverage in 48 hours or less.

This life insurance policy offers 1/3 of your life insurance coverage as term insurance and the remaining 2/3’s as accidental death insurance.

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Example: $300,000 Fidelity Hybrid Policy:

You would begin your policy with $100,000 of term insurance that covers all causes of death, and you would have an additional $200,000 of life insurance that covers accidental death only.

You also have the option of taking a health exam up to 6 months after signing up for your policy. If you pass the medical exam you can convert your policy into a traditional policy. So, in the example above, you would have a total of $300,000 of term life insurance that covers all cause of death.

Don’t worry – if you fail the exam, you still get to keep your existing policy.


Fidelity Life Hybrid Features: 

  • Coverage starting at $50,000 up to $1,000,000
  • Blended coverage available with a convenient 24-48 hour approval process
  • Completion of medical examination confirms your health and can confirm your blend of hybrid life insurance coverage
  • Ability to defer your health exam for up to 6 months


Did you know the typical life insurance company takes up to 3 months to issue a high face amount life insurance policy at a reasonable price?

However, some insurers issue coverage quickly, but either limit the total amount of life insurance coverage you can purchase, or charge a very high premium – or both.


Fidelity’s Hybrid Life was designed to solve this problem.

With Fidelity Life Association’s Hybrid Life, you can receive a high face amount of life insurance protection quickly – most policies are approved within 24 to 48 hours.

In addition, Fidelity’s prices are among the most competitive in the life insurance industry.

Hybrid Life provides a blend of level term "all cause" life insurance and accidental death benefit through a convenient, quick non-medical underwriting process.

This will give you coverage immediately and once you take a brief medical exam and are approved through medical underwriting, your coverage will be converted to 100% all cause coverage.


Hybrid Life: Get Your Coverage in 15 minutes – 48 hours

Fidelity Life Association’s Hybrid Life is unlike any other.

It’s an innovative new level premium term life insurance policy that let’s you get covered immediately – there’s no waiting for month’s to get your application processed, approved, and to receive your policy.

Most Fidelity hybrid policies can be approved within 24 to 48 hours!


Why wait? Your Coverage is available NOW at very competitive rates.

Hybrid Life is initially a blend of benefits paid for any cause of death and, until medical underwriting is complete, additional benefits limited to accidental death.

This blended approach to life insurance allows you to get covered immediately.

In most cases you can then improve your coverage by eliminating or reducing the accident only limitation without a premium change by completing the medical underwriting at your convenience within 6 months of the policy issue date. 


Here’s how it works:

You qualify for coverage by completing Fidelity’s initial underwriting process, which includes answering some questions about your health history.

In most cases, you should receive coverage within 24 to 48 hours of applying, if approved.


Your policy is initially a blend of two types of coverage.

A portion is level premium term life insurance – this pays a death benefit for any cause of death. 

Another portion of the coverage is an accidental death benefit in the case of accidental death.

After your life insurance policy is issued, you may – at your option – contact the company to schedule a paramedical exam.

Based on the results of your health exam, Fidelity Life may adjust the blend of coverage initially provided (for example, increase the portion of the policy that pays for all cause of death), at no additional cost to you.

You have up to 6 months after your policy is issued to schedule your optional health exam.


Plus, Hybrid Life comes from a company you can trust: Fidelity Life Association.

Fidelity Life has over 100 years of experience and an "A-" Excellent financial strength rating from AM Best. So you can be sure of the same dependability, quality, and flexibility that Fidelity Life is known for. 

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Life Insurance No Exam | Fidelity Life Hybrid

Disclosure: Compensated Affiliate