No Exam Life Insurance

Fidelity Life offers two types of no 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 normally 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.

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 can obtain 10 year term or whole life policies with face amounts up $250,000 in days, not months.  Both term and whole life are graded death benefit plans.

 Term Issue Limits

Issue Age	Minimum	Maximum
25-45	50,000	300,000
46-55	50,000	200,000
56-65	25,000	100,000
66-70	10,000	25,000

**occasionally a medical exam test or report will be ordered to assist in clarifying or correcting an item of medical history.

Please complete this form to receive your quote via phone or email.

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Insurance Requested
Amount Requested	Select Amount Burial, 5000 to 25000 50,000 100,000 150,000 200,000 250,000
Purpose:	Select Purpose Family's security after death Replace Existing Insurance Supplement Policy from work Payoff Mortgage and Debts Child's Education Estate Planning/Taxes Build Cash Value
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Height 4 5 6 7 ft 1 2 3 4 5 6 7 8 9 10 11 in Weight lbs. In the past 12 months have you used nicotine or nicotine substitutes in any form. Select No Yes Call us toll free at 1-888-394-0971 to confidentially discuss your situation. Comments: Please add your comments or questions here

This form is not an application.  Age, Gender, State, Tobacco use, and height and weight are needed to prepare your quote accurately.  Personal information is required so that we provide this service only to those consumers willing to be contacted by us.  None of this information is sold or distributed to anyone outside our agency.  See our Privacy policy for more details.