Fidelity Life Insurance Review 2026

Fidelity Life offers term products and a range of permanent options aimed at older customers. While its no-exam life insurance policies may be appealing to some shoppers, the company draws a high number of consumer complaints.

Fidelity Life earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

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Where Fidelity Life stands out

Fidelity Life designs many of its policies specifically for seniors, including term, whole, final expense and guaranteed issue life insurance. For qualified applicants, some policies may be available to purchase online without taking a medical exam. The company also has several riders that customize coverage and standalone accidental death insurance.

Where Fidelity Life falls short

Fidelity Life doesn’t offer some types of insurance, including universal life, and the company’s premiums can be higher than average. More importantly, Fidelity Life has drawn a far higher rate of complaints to state agencies than expected for an insurer of its size.

Term life insurance. Open to applicants ages 18 to 65, the company’s term life insurance offers coverage amounts from $50,000 to $2 million in terms of 10, 15, 20 and 30 years. Depending on where you live, you might be able to get a quote online — though you’ll need to speak to an agent to finalize coverage.

Senior life insurance. Fidelity Life also sells several types of life insurance for seniors. These products are meant for people ages 50 and over and include:

• Senior term life with coverage amounts ranging from $10,000 to $150,000 and term lengths of 10, 20 and 30 years. This policy is for seniors ages 50 to 70 and doesn’t require a medical exam to qualify for coverage.

• Whole life insurance for people up to age 85 who need between $10,000 and $150,000 of coverage. There’s no medical exam required, but you’ll need to answer some health questions. The company will also look at publicly available data (like your car registration) to determine eligibility.

• Final expense life insurance policies with relatively low coverage amounts — $5,000 to $40,000 — for people up to age 85. You’re required to fill out a medical questionnaire, but there’s no exam.

• Guaranteed issue life insurance that tops out at $25,000. For guaranteed issue policies, Fidelity Life doesn’t ask any medical questions and, as long as you’re between 50 and 85 years old, you’re guaranteed to get approved.

Fidelity life insurance riders

Depending on the policy, you might be able to customize your coverage with life insurance riders, including:

• Accelerated death benefit rider. Allows you to access your life insurance payout before you die if you’re diagnosed with a terminal illness.

• Child life insurance rider. Adds a small amount of coverage for your children until your policy expires or they turn 23.

• Accidental death rider. Increases the payout of your life insurance policy if you die in a covered accident. 

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A strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Over three years, Fidelity Life has drawn far more than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

• What Reddit users say about Fidelity Life

  Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like life insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.

  In regards to Fidelity Life, Reddit sentiment can best be described as confused. For most users who had complaints about the company, it wasn’t clear whether they were reporting issues with Fidelity Life or Fidelity Investments Life. That’s a different insurer associated with the financial services company, Fidelity Investments, and only sells term life insurance.

  For Reddit users who were clearly calling out Fidelity Life, comments focused on checking whether the higher rates being quoted were justified in terms of value.

How Fidelity Life’s customer experience stacks up

The Fidelity Life website makes it easy to get information about the company’s policies and start an application online. The insurer’s phone number is clearly listed at the top of the site in case you need help. However, we didn’t see a live chat option.

We called the insurer and were connected to a representative within two minutes. When we asked how much term life insurance was available, the representative told us it would depend on a lot of factors. She said we could go through the online quote process, or she could connect us to an agent who could give us a quote over the phone. When we asked how to activate an accelerated death benefit rider, the representative said that was also a question for an agent.

Fidelity Life doesn’t offer a mobile app and you can’t change beneficiaries online.

What it’s like to apply for a policy with Fidelity Life

You can start the quote process from the Fidelity Life homepage. After you enter your age, ZIP code, gender, employment status and overall health condition, you’ll get estimated rates for a selection of term life policies.

Screenshot captured by our editorial team on October 25, 2025.

You can click “continue” for a policy you’re interested in. You’ll be asked for your name, contact information and other details to get a more personalized quote. The fine print on this page notes that by entering your phone and email address, you’re consenting to receive insurance offers from Fidelity Life and “partner agents.”

Screenshot captured by our editorial team on October 25, 2025.

The company is owned by Vericity, which also owns eFinancial, an insurance agency that sells Fidelity Life products. It’s not affiliated with Fidelity Investments or Fidelity Investments Life Insurance.

Fidelity Life can be reached by:

• Phone: Call 800-369-3990 on weekdays from 8 a.m. to 5 p.m. CT.

• Email: Send a message to info@fidelitylife.com or use the contact form on the website

• Live chat: Not available.