Fidelity Life Rapid Quote

From our good friends and clients

About Fidelity Life

Fidelity Life Association was established over a century ago as a fraternal benefit society in the state of Illinois designed to provide financial security for the growing middle class of the Midwest and Northern states. Today, Fidelity Life continues the tradition of serving the needs of Middle Americans through innovative products, consumer-friendly service and a staff of some of the most talented, dedicated and creative people in the industry.

With a consumer-centric reputation built on innovation, we are dedicated to providing a customer experience unique in the industry today. Besides life insurance that meets your needs, Fidelity Life has combined technology with underwriting innovation to create a unique, web-based underwriting process that speeds up the time needed to approve you for a policy. By utilizing the Internet and the active involvement of our underwriters, we virtually eliminate embarrassing exams, invasive tests and tedious delays so you obtain coverage from Fidelity Life in days, not months.

Currently, Fidelity Life has $23.59 billion of life insurance in-force, $481 million in admitted assets, and capital and surplus of $196.4 million. With one of the industry’s strongest capital to risk ratios, we also offer an A.M. Best A- (Excellent) rating.* As of May 19, 2011, A.M. Best has affirmed our rating with a Stable Outlook.

Financial Strength

Fidelity Life offers the security of an A- (Excellent) rating from A.M. Best, the leading provider of ratings, news and financial data for insurance companies. This rating was reaffirmed on May 19, 2011, with a Stable Outlook.*

A.M. Best financial strength ratings are based on evaluations of a company’s balance sheet, operating performance and business profile, and constitute an opinion of an insurer’s financial strength and ability to meet obligations to its policyholders.

Fidelity Life continues to maintain a strong capital position. In 2010, Total Assets and Capital and Surplus declined due to the continued growth in life insurance sales, the planned run off of past annuity business and one time reserve strengthening. The declines from the growth in sales are the result of required statutory accounting practices related to the acquisition costs of new insurance policies sold, which are required to be expensed as incurred. Under Generally Accepted Accounting Principles (GAAP) incremental first year policy acquisition costs are recorded as an asset and recorded as expense over the anticipated premium period of the underlying insurance contracts.

Fidelity Life’s statutory Capital and Surplus remains well in excess of required levels to support its assets and liabilities.

Life is unpredictable, which is why it is so important to take the time to plan properly for yourself and your loved ones in case something happens to you. Are you sufficiently prepared financially for future changes that may require additional resources? Would your family be covered if you were not here tomorrow to care for them? These are important questions to consider when assessing and planning for a secure financial future for you and those who are most dear to you.

Don't put it off any longer... Let us create a "rapid quote" for you. It only takes a few minutes to put that extra coverage on you, or a loved one, and rest easy knowing you have insured for the unexpected.

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From our good friends and clients