Fidelity Life Insurance No Medical Exam: Fast, Easy Coverage You Can Trust
Last Updated: October 31, 2025 | Written by President of Term Life Online – AU, AAI, ARM
If you’re looking for life insurance without the hassle of medical exams, Fidelity Life Insurance might be your perfect match. With their no medical exam life insurance, you can get coverage quickly — often in minutes, not weeks — without ever stepping into a doctor’s office.
Let’s break down what makes Fidelity Life’s no medical exam policy one of the most popular choices for individuals and families who want affordable protection with minimal effort.
What Is Fidelity Life’s No Medical Exam Life Insurance?
Fidelity Life offers a range of life insurance policies that skip the medical exam, making it easy to qualify even if you have health concerns or a busy schedule. Instead of waiting for lab results and scheduling doctor visits, you’ll answer a few simple health questions online or over the phone.
The process uses advanced underwriting technology to instantly determine eligibility. This means:
- No needles
- No doctor visits
- No waiting weeks for approval
In many cases, applicants can get same-day coverage.
How Does It Work?
Here’s what you can expect when applying for Fidelity Life’s no medical exam coverage:
1. Online Application
Complete a short form with your personal information and basic health history.
2. Quick Review
Fidelity’s smart underwriting system reviews your answers instantly.
3. Instant Decision
In many cases, you’ll get an immediate approval — no exam required.
4. Coverage Begins Fast
Once approved and you make your first payment, your policy is active right away.
It’s one of the fastest ways to get life insurance coverage — often in less than 15 minutes.
Types of No Medical Exam Policies Offered by Fidelity Life
Fidelity Life offers several no-exam life insurance options to fit different needs and budgets:
1. Rapid Decision Life Insurance
- Coverage from $50,000 up to $2 million
- Coverage for 10, 15, 20 or 30 years
- Available for ages 18–65
- Instant approval for many applicants
Perfect for those who want high coverage quickly without the hassle of an exam.
2. Rapid Decision Senior Life
- Designed for adults 50 to 70
- Coverage from $10,000 up to $150,000
- Coverage for 10, 20 or 30 years
- Simple approval process with minimal health questions
Ideal for seniors seeking peace of mind and financial protection for loved ones.
3. Rapid Decision Guaranteed Issue
- No health questions at all
- Guaranteed acceptance for ages 50 to 85
- Coverage up to $25,000
This is best for individuals who may have been declined elsewhere due to old age or health issues.
Who Should Consider Fidelity Life’s No Medical Exam Policy?
This type of coverage is perfect if you:
- Need life insurance fast
- Have a health condition that might make traditional underwriting difficult
- Want to avoid medical appointments
- Value convenience and speed
- Are a busy professional, parent, or senior who wants protection now — not weeks later
If you fit into any of these categories, Fidelity’s no medical exam coverage can provide the financial security your family deserves without the stress of a lengthy application.
Pros and Cons of Fidelity Life’s No Medical Exam Coverage
Pros:
✅ Fast approval — often within minutes
✅ No medical tests or doctor visits
✅ Competitive rates for healthy applicants
✅ Multiple options for different ages and needs
✅ Backed by a trusted company with over120 years of experience
Cons:
⚠️ Premiums may be slightly higher than fully underwritten policies
⚠️ Coverage amounts may be limited for guaranteed issue plans
Still, for many people, the speed and simplicity outweigh these small trade-offs.
Why Choose Fidelity Life?
Fidelity Life has been helping families protect their financial futures since 1896. They combine trusted experience with modern technology, making them one of the most reputable names in life insurance today.
Their no exam policies are backed by:
- Strong financial stability
- Excellent customer support
- Quick, digital application process
- Transparent coverage options
With Fidelity Life, you’re not just buying a policy — you’re gaining peace of mind that your loved ones will be protected when it matters most.
How to Get a Quote for Fidelity Life’s No Medical Exam Policy
Getting started is simple:
- Visit FidelityLife.com
- Choose your preferred coverage type
- Complete the short application
- Receive your instant decision and quote
You can compare policy options, adjust coverage amounts, and even finalize your purchase online — all from the comfort of your home.
Final Thoughts: Fast, Reliable Coverage Without the Hassle
If you’ve been putting off life insurance because of the medical exam, now’s your chance to act.
Fidelity Life’s no medical exam insurance offers a fast, affordable, and stress-free way to protect your loved ones.
You can apply today and have coverage by tonight — no doctors, no labs, no waiting.
Your family’s future deserves protection. Fidelity Life makes it simple, secure, and immediate.
Compare No Exam Life Insurance Quotes
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 63 top life insurance companies (Including Fidelity Life) and find you affordable life insurance you need to protect your family and fit your budget.
JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.
You canget approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.
JRC offers some of the best rates on life insurance policies without any health exams required.
You can compare and choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. Get a FREE Quote.
Resources:
- Learn How No Exam Term Life Insurance Works
- Term Life Insurance No Medical Exam FAQs
- Tips for Buying a No Exam Term Life Insurance Policy
- A.M. Best Company: Compare financial strength ratings of life insurance companies
- Life Happens.org: Learn about life insurance and review facts.
- Investopedia: Learn more about financial planning with term life insurance.
About Our Methodology
Reviewed By: President of Term Life Online – AU, AAI, ARM
- 30+ years of experience in insurance planning
How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.
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