Affordable Life Insurance Protection for Your Family

Fidelity Life Insurance No Exam

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Are You Looking for Fidelity Life Insurance?

If so, you've come to the right place.

Fidelity Life offers qualified applicants age 18 to 65 up to $499,000 of affordable term life insurance coverage without having to take any physical examination.

You can choose guaranteed level premiums for a term of 10, 20 or 30 years of life insurance coverage.

  • No Medical Exam, Just a few Health Questions
  • Instant Approval, if qualified
  • Competitive Rates
  • Most Approvals in 24 Hours

Why Choose Fidelity Life?

Fidelity Life Association has a solid reputation that dates back to 1896 and is backed by the financial strength and security of an A- (Excellent) A.M. Best rating.

Fidelity Life's innovative policies are unparalleled and are approved much more quickly than policies that have mandatory medical exam requirements (usually 24-48 hours after you submit your application).

Overview of Fidelity Life Plan

Fidelity Life introduces LifeStory Term, a patent-pending process that enables you to buy a competitively priced term life insurance policy with immediate coverage if you qualify.

For life insurance coverage amounts $499,000 or less issuance does not require a medical examination.

Instead, approval for your life insurance policy depends upon answers to health questions on the application and results from database sources such as MIB, MVR, and pharmacy records.

LifeStory Term Life Insurance from Fidelity Life provides qualified applicants with coverage, generally within 24 hours; AND with No Medical Exam Required.

Level death benefit term life to age 95 in face amounts from $25,000 to $499,000.

Guaranteed level premium periods of 10, 20, and 30 years.

After the level premium period, policies renew on an annual renewable term premium schedule to age 95.

Fidelity Life is rated "A-" Excellent by A.M. Best Company for financial strength.

Rapid Decision Term Issue Limits of Coverage

Maximum Coverage by Age Group

Age 18 to 39 - $499,000

Age 40 to 49 - $349,000

Age 50 to 59 - $249,000

Age 60 to 65 - $99,000


Sample Life Insurance Rates

$250,000 Coverage

                       Age                           Male                        Female

                           30                               $16.09                           $15.01

                           40                               $18.92                           $17.83

$500,000 Coverage

                       Age                           Male                       Female

                          30                               $23.05                         $21.31

                          40                               $28.71                         $26.97

Reasons to Buy Fidelity Life with No Exams

  • Convenience: FidelityLife offers a hassle-free application process without the need for a medical exam, making it convenient for those who prefer a quick and easy way to obtain coverage.
  • Time-Saving: Skipping the medical exam saves time, allowing policyholders to secure life insurance coverage more rapidly compared to traditional policies that require medical underwriting.
  • Privacy: Some individuals may prefer to avoid the invasive nature of medical exams and value the privacy offered by Fidelity's no-medical-exam policy.
  • Immediate Coverage: By eliminating the need for a medical exam, Fidelity offers the advantage of immediate coverage, providing peace of mind without delays.
  • Simplified Application Process: Without the need for medical exams and extensive underwriting, the application process for Fidelity-Life is often simpler and more straightforward.
  • Accessibility: The no-medical-exam requirement makes life insurance more accessible to individuals who may have difficulty scheduling or completing a medical examination due to various reasons, such as mobility issues or busy schedules.
  • Competitive Premiums: Despite the lack of a medical exam, No Exam Life policies often provide competitive premiums, making them an attractive option for budget-conscious consumers.
  • Peace of Mind: Ultimately, the primary reason to buy a no exam Fidelity Life plan is to secure financial protection for loved ones and gain peace of mind knowing that coverage is in place without the hassle of a medical examination.

Life Insurance Riders

Accelerated Death Benefit (Included)

Beginning in policy year 3, the rider provides for an advance payment of up to 50% of the death benefit if the insured is diagnosed by a physician to have a life expectancy of 12 months or less. Death benefits are reduced by the advance plus interest. This benefit is included at no additional cost and expires at age 85.

Dependent Child Rider (Optional)

The Dependent Child Rider is available to Insured's age 20 through 60, who have children between the ages of 15 days through 18 years old. This rider provides coverage from $5,000 to $25,000. Coverage on each child expires at the earlier of child's attained age 23, the Insured's attained age 65 or when the policy terminates.

Accidental Death Benefit (Optional)

This rider pays a benefit in the event of accidental death. The rider is available at issue ages 20 through 65, in benefit amounts up to $250,000. The ADB rider expires at age 80.


What is "LifeStory" Term Life Insurance?

LifeStory Term is a patent-pending product designed to offer consumers competitively-priced life insurance with immediate coverage. For coverage amounts under $500,000, issuance does not require a medical examination. Instead, approval for a policy depends upon answers to health questions on the application and results from database sources such as MIB, MVR, and pharmacy records1.


How Does the Process of Buying "LifeStory" Term Life Insurance Work?

Buying LifeStory Term is a quick and simple process. Begin with a free rate quote by filling out our short contact form. Your information will be sent to a licensed life insurance agent who will give you a call back to determine if you qualify by asking you a few simple questions.


Is "LifeStory" Term Non-Medical Life Insurance Right for Me?

This could be your best option if you:

  • Don't have the time or desire for a medical exam
  • Need life insurance quickly to secure a loan for your business
  • Don't have any serious medical conditions
  • Require $499,000 or less in coverage


When Will My Coverage Begin?

For qualified applicants, you can expect your coverage to be in effect in as little as 24-48 hours.


Do I Need to Take a Medical Exam?

For coverage amounts $499,000 or less there is no need for a medical exam and it is not necessary for your doctor to send any information. However, you will be asked several medical questions. Depending on your history and other factors, a medical exam may be required.


How Much Does Term Life Insurance Cost?

Your life insurance premium depends on such personal risk factors as: the amount of life insurance purchased, whether you have used tobacco products, your age and your gender, and your answers to a few brief questions regarding your medical history.

This type of life insurance is called Term Life Insurance, a level death benefit term life insurance product up to age 95. Guaranteed level premium periods of 10, 15, 20 and 30 years are available.


Is Life Story Term Life Available in My State?

This no exam life insurance product is currently offered by our licensed partners in all US states except for Arizona, Connecticut, Florida, Montana, North Dakota, New York, Washington DC, and Wyoming.

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Fidelity Life Insurance No Exam

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Disclosure: Compensated Affiliate