2023 Fidelity Life Reviews: Life Insurance (2023)


Our Partner

  • Traditional Insurance Carrier (expect to speak with agent)
  • Offers a suite of life insurance products from reliable carriers
  • Term Coverage: Customizable increments from 10 to 30 years
  • Death benefit from $100,000 to $2 million
  • Policies Offered: Term, Universal, Guaranteed Issue Whole


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ConsumersAdvocate.orgRating: 4.5 / 5 (Excellent)

8 Customer Comments & Reviews - see all comments

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Founded in 1896, Fidelity Life is an Illinois-based insurance company offering term and whole life insurance policies with comprehensive coverage and fast approval times. The company, originally established to serve middle-income families, continues to provide innovative products and services at affordable prices. Fidelity Life is a BBB accredited business with an A+ rating.

2023 Fidelity Life Reviews: Life Insurance (3)

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How is Fidelity Life rated?



Company Stability




Policies & Coverage

Overall Rating: 4.5 / 5 (Excellent)

Fidelity Life has been providing reliable insurance products geared towards Middle American consumers since 1896. The company, which enjoys an excellent financial reputation, offers innovative hybrid policies, a streamlined application and approval process, and great flexibility at affordable prices. Fidelity Life is a great option for anyone looking for quality insurance, a quick approval, and competitive rates.

Key Details


Fidelity Life Association



Premiums Written 2019


AM Best Financial Rating


Company Stability - 4.5 / 5

With over 100 years of experience in the industry, Fidelity Life Association enjoys an excellent financial reputation and long-term stability. The company currently holds an A.M. Best financial rating of A- (Excellent) and a long-term issuer credit rating of A- (Excellent).

*The above information reflects the market share, premiums, and financial strength of the issuer of the Fidelity Life life insurance policies: Fidelity Life Association.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2017


NAIC Total Complaints 2017


*The NAIC complaint ratio (in this case 1.04) is a ratio of the number of complaints a company received for the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Trust Pilot Rating

4.5 out of 5

BBB Rating


Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews


Date Collected


Reputation - 4.7 / 5

Fidelity Life Association is a BBB accredited business with an A+ rating. According to the NAIC, the company's complaint ratio score for individual life policies is just slightly above the national median, but better than many competitors in the market.

Fidelity Life Policies

Fidelity Life offers customers the following life insurance policies: Term, Whole Life, Guaranteed Acceptance/ Final Expense.

Term Life Insurance

Minimum Age


Maximum Age


Minimum Death Benefit


Maximum Death Benefit


Available Terms

10 year

15 year

20 year

30 year

Key Term Policy Features

  • Guaranteed Level Premiums

Policies & Coverage - 4.3 / 5

Fidelity Life offers term, whole, final expense, and guaranteed acceptance insurance products with guaranteed level premiums and no medical exam requirements. Their policies are flexible and accessible when compared to those of other similarly-sized carriers. Fidelity Life extends comprehensive coverage at affordable rates and offers shorter waiting periods than other companies.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider
  • Guaranteed Insurability Rider

Flexibility & Available Riders - 0 / 5

Fidelity Life Insurance offers optional child protection and accidental death benefit riders you can use to customize your policy to better suit your insurance needs. That's not quite the full range choice that other insurers make available to their policyholders, but may suffice for some customers.

Additional Company Information

Homepage URL
Company Phone

(800) 369-3990

Headquarters Address

1350 E Touhy Ave Suite 205W, Des Plaines, IL, 60631

Mailing Address

Fidelity Life Association, P.O. Box 5030, Des Plaines, IL, 60018

Year Founded


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8 Customer Comments & Reviews

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They certainly know how to give people the run-around. I wanted to cancel the policy on Monday after purchasing on Saturday but I never got a policy #. I got an email from Fidelity but no policy was attached. I called them but they couldn't find any policy for me using just my name. I waited and got another email to 'complete your application' notice with no documentation attached but at least there was a policy # listed. I've tried to cancel the policy online but there doesn't seem to be a way to do that. I may have to call my bank to make sure no policy premium is paid out. I wouldn't trust this group if they came notarized.



Never ending marketing emails. Unsubscribe is ignored. Avoid, it’s a low rent joke if a company.



I have received at least 25 spam emails and all numbers I have called either send you to another number to complain or you have to leave a message. I have life insurance with another company and would never use this company if my life depended on it. It deserves no rating



I have had nothing but problems with Fidelity Life Insurance. They are very disorganized and do not effectively communicate to their customers. Because of all of their issues and lack of customer service support, I have paid double what I should have paid. When I went to cancel my life insurance with them, they sent me a form with the wrong insurance number on it. I paid another month more than what they should have gotten from me. I am very disappointed and I personally feel that they may be collecting more money from customers who are elderly and not on top of every wrong communication they send. Make sure you read your policy and double check any communication they send you.




People need to do a better job listening on the phone. If you look at Regina's comment, Fidelity Life provides temporary coverage so if you die before the exam is completed, your family gets paid something instead of nothing. Most companies provide NO life insurance while you're waiting. And if you fail your medical exam, you get to keep that blended coverage no matter what. This was explained to me and it makes a lot of sense. Also if a family isn't paid, it's because mom or dad fudged their answers and wasn't completely honest in the background questions. This is why families don't get paid. Be honest. Pay attention,


Regina H


READ YOUR POLICY! READ YOUR POLICY! I purchased a 15 year term $100,000 life insurance policy from an agent that represented Fidelity Life. Since I have worked in the underwriting Department of a Life Insurance Company in the past, I opened the policy when it arrived in the mail and began reading it (most people do not read their policies). I WAS SHOCKED to see the policy was for $25,000 term life (for any cause of death) HOWEVER, the remaining $75,000 was accidental death and dismemberment (for only a death by an accident, not normal medical reason, etc.) The first premium had already been taken from my checking account and the para medical exam had not been completed. I even asked... Read More

Candy T


4 months after death and still no payout! What an insult added to the pain of loss of a loved one. Life insurance is supposed to give you security that final expenses will be paid...but the funeral home has yet to receive a dime!



This is the worst experience ever. First of all the day no medical exam required. But, that's no true. This is false advertisement. So, I took medical exam. Then, I was denied for the coverage I requested. They ordered me a lower policy wirh high premium. So, I cancelled the policy. They mailed me a form to cancel my policy. So, I fax in my cancellation form. It's two weeks later and I haven't received my refund. So, I call them only to find out they denied it because, I didn't specify that I'm a widow. I submitted this information over the phone , application and during my exam. So, they had to resubmit the information again. So, I guess will see how. Long it takes now.

Top Rated

Our Partner

  • Traditional Insurance Carrier (expect to speak with agent)
  • Offers a suite of life insurance products from reliable carriers
  • Term Coverage: Customizable increments from 10 to 30 years
  • Death benefit from $100,000 to $2 million
  • Policies Offered: Term, Universal, Guaranteed Issue Whole


VIEW RATES2023 Fidelity Life Reviews: Life Insurance (5)

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