Fidelity Life offers
exam life insurance plans.
Rapid Decision Term
Rapid decision Term is a level death benefit
term life insurance policy that remains in force until age 95, assuming
the insured person pays the premium when due. It offers guaranteed
level premium periods of 10, 15, 20, and 30 years.
During the initial guarantee period your rates remain level and cannot
be changed/increased. After the initial guarantee period the rates
rise every year through age 94.
Although no physical
exam is required, this is a fully underwritten life insurance
policy. That means at a minimum, a review of your Medical
Information Bureau file, Motor Vehicle Record, and all Pharmacy records
is done by Fidelity Life.
If you have major health
issues it is extremely unlikely you can be approved for this plan.
Term Issue Limits
Impaired Risk Life
No exams, no testing, no waiting. And no processing
delays. Issuance of a policy depends only on the answers to a few
health questions. Even individuals who have experienced
difficultly getting insured and have serious health problems can obtain 10 year
term, 20 year term or whole life
policies with face amounts up $250,000 in days, not months. Unlike
Rapid Decision Term, Impaired Risk Life has a 2 year waiting period
before full benefits go into effect. Check out our
graded death benefit page
for more information.
Fidelity Life Quote
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