Fidelity Life Association Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Fidelity Life Association Insurance Score
2.25 Stars
We award Fidelity Life Association a final rating of 2.25 out of 5 stars. While the insurance company has received high ratings through both AM Best and the Better Business Bureau (BBB), it has had several complaints filed against it through the latter organization in recent years.
The insurance company’s customer contact options are also quite limited, and it only provides snail mail claims reporting, which is inconvenient compared to the claims filing options provided by most modern carriers. Coverage options are also not very impressive, especially with lower coverage limits than many life insurance companies provide, and at higher rates than most.
Fidelity Life was founded in 1896 under the name Mystic Workers of the World. The insurance company has been in the industry for well over a century and a quarter now, and was one of the first carriers to sell life insurance policies to both men and women. By 1915, the insurance company already had more than $100 million of life insurance policies in force. The carrier changed its name to Fidelity Life in 1930.
Bottom line: Customer reviews for this insurance company seem to have improved quite a bit in recent years, which is a good start. But the insurance company could really stand to update its official website and certainly increase its user-friendliness in order to catch up to other modern carriers. We say that if you’re looking for a dependable insurance company to trust with your hard-earned cash, skip Fidelity Life Association, and work together with your independent insurance agent to review other options to find life insurance coverage you can rely on.
Fidelity Life Association Pros and Cons:
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Fidelity Life Association Insurance Products by Type
Fidelity Life focuses on life insurance but offers a few variations. Its coverage offerings include:
Fidelity Life Association Life Insurance
Fidelity Life offers numerous types of life insurance to suit the needs of customers of all ages. The carrier also offers additional coverage options such as accidental death insurance and final expense insurance.
Coverage types, features, and benefits:
Term life
Fidelity Life offers term life insurance policies that last for 10, 15, 20, or 30-year terms. Unfortunately, the carrier does not allow customers to transition their term life policies into whole or permanent life insurance once the term ends.
Permanent life
Fidelity Life also offers life insurance policies designed to cover the policyholder for their entire life. Certain policies are available with no medical exam required upon application.
Accidental death
Fidelity Life offers accidental death insurance, which can provide a payout to a designated beneficiary, such as a spouse or dependent, in the event of the policyholder's accidental passing.
Final expense
Fidelity Life's RAPIDecision final expense insurance can be used to cover the cost of funerals, burials, medical bills, and other outstanding final expenses once the policyholder passes away.
Fidelity Life Association Life Insurance Average Prices
Fidelity Life does not make information about its average life insurance premiums readily available. An independent insurance agent can provide you with exact quotes for Fidelity Life Association life insurance. You can also get a better idea of how much a life insurance policy might cost you by using our life insurance calculator.
What Discounts Does Fidelity Life Association Offer?
While Fidelity Life does not make information about its specific discounts readily available, many life insurance companies offer common discounts on comparable coverages. These discounts may include:
- Safe occupation discount: Offered to life insurance customers who work in safer occupations that are not typically life-threatening.
- Healthy family history discount: Life insurance companies also reward applicants with healthy genetics, or a good family health history.
- Healthy blood pressure discount: Offered to life insurance customers who have what’s considered to be healthy blood pressure upon evaluation.
- Non-Tobacco user discount: Life insurance companies tend to reward customers who do not use tobacco products with cheaper premiums.
- Safe hobbies discount: Life insurance companies often reward customers who practice safe, non-life threatening hobbies (e.g., no skydiving) with cheaper premiums.
Your independent insurance agent can help you find more information about the exact discounts offered by Fidelity Life and other ways to save money through the company. This will help you reduce your premiums as much as possible without sacrificing quality coverage.
Fidelity Life Association Customer Service
Fidelity Life only allows customers to file claims via snail mail. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Online bill pay
- The main customer service hotline has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 8 a.m.-5 p.m. |
Fidelity Life Association phone number: 1-866-853-3013
The best way to get your customer service needs met is by working with an independent insurance agent. These agents can help make customer service easier for you by handling claims and other concerns.
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Fidelity Life Association Insurance FAQs
Fidelity Life only provides claims filing via snail mail, which already slows the process down considerably, especially when compared to most modern insurance companies. The carrier does not provide a specific response time frame promise for an initial follow-up with the customer, but does state that most claims are paid out within 30 days.
Fidelity Life’s customer service hotline is available during restricted hours, Monday-Friday. Fidelity Life also has a social media presence on Facebook, Instagram, and LinkedIn, making it a bit more available to customers.
Fidelity Life limits its claims filing options to snail mail only. As far as an official claims process, the insurance company does not provide much detail about one for customers beyond the fact that customers must first report a death to the carrier and file their claim.
Customers most likely will be required to provide a copy of their policy and a death certificate for the individual who has passed away. Other paperwork may also be required.
To stay updated on a current claim’s progress, the customer can call the insurance company or get in touch with their independent insurance agent.
Fidelity Life’s official website is visually appealing and easy to navigate. However, it could stand to be fleshed out quite a bit more in terms of pertinent information. For example, there isn’t much detail listed about the insurance company’s claims process. This could be a deterrent for current and prospective customers alike.
Contact options for the carrier are also extremely limited compared to many modern insurance companies. Though the carrier does have a limited social media presence, Fidelity Life certainly has a ways to go to catch up to other modern carriers in terms of user-friendliness.
Fidelity Life focuses its efforts on life insurance policies. The insurance company is known for offering a separate accidental death benefit policy. Fidelity Life also offers permanent life insurance policies with no medical exam required upon application. Customers have the option to try out their coverage for 30 days before committing to a policy.
However, coverage offered by Fidelity Life is reportedly more expensive than that provided by other life insurance companies and has lower coverage limits. So while there are some unique benefits to the carrier’s life insurance, there are also some noteworthy drawbacks.
So, is Fidelity Life Insurance good? Fidelity Life has received high ratings from both AM Best and the BBB, which is certainly respectable. However, the insurance company has had several complaints filed against it through the BBB in recent years. Customer feedback seems to be mixed, too.
The carrier also reportedly charges higher premiums for less coverage than what’s offered by many other life insurance companies, including its Fidelity whole life insurance. In terms of life insurance companies, Fidelity Life may not be the best choice for customers looking for the greatest amount of coverage at an affordable rate.
Fidelity Life's insurance products may be right for customers seeking life insurance, accidental death insurance, or final expense insurance coverage. The carrier is licensed nationwide, except in NY and WY, but product availability varies by state.
https://fidelitylife.com/
https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=35799
https://www.bbb.org/us/il/des-plaines/profile/life-insurance/fidelity-life-association-0654-88013237