Fidelity Life No Exam Life Insurance

What does my quote mean?

Using the many comments we have received from customers over the years, we have put together this basic explanation of your no exam life insurance quote. Once approved for your insurance, you will have the opportunity to review your new policy and decide to keep it, make changes or just cancel it (no money is needed to apply.)

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What Types Of No Exam Life Insurance Plans Are Available?

We gave you as many options as possible while at the same time tried not to confuse you. In all cases the no medical exam life insurance coverage remains level throughout the life of any of the plans below. What that means is that if you take a $250,000 policy, your insurance coverage will remain the same at $250,000 for the life of the plan. You can cancel any of our plans at any time.

10 year plan: All that means is that your insurance payments are guaranteed to remain the same for 10 years. After 10 years your premiums can go up three to five times or more. You can stop paying at any time and cancel this plan. Don't take this plan if you feel you will need more than 10 years of term life insurance coverage.
15 year plan: All that means is that your insurance payments are guaranteed to remain the same for 15 years. After 15 years your premiums can go up three to five times or more. You can stop paying at any time and cancel this plan. Don't take this plan if you feel you will need more than 15 years of term life insurance coverage.
20 year plan: All that means is that your insurance payments are guaranteed to remain the same for 20 years. After 20 years your premiums can go up three to five times or more. You can stop paying at any time and cancel this plan. Don't take this plan if you feel you will need more than 20 years of term life insurance coverage.
30 year plan: All that means is that your insurance payments are guaranteed to remain the same for 30 years. After 30 years your premiums can go up three to five times or more. You can stop paying at any time and cancel this plan. Don't take this plan if you feel you will need more than 30 years of term life insurance coverage.
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Money Back/100% Cash Back Plans

The cash back plans are very popular as by paying a little bit more you are guaranteed to receive a 100% return of all the payments/premiums you made over the 20 or 30 year period. (some clients have questioned how the insurance company can make money if they give you all your money back. Well, do not be concerned, the insurance company does just fine by collecting interest on your premiums for 20 or 30 years.)

20 year plan With 100% Money Back: Just like with the regular 20 year plan above, payments are guaranteed to remain the same for 20 years. An added benefit is that at the end of the 20th year you will receive back 100% of all the premiums you paid - if you cancel your policy before the end of year 20 you may only receive a partial refund of premium or no refund at all . After 20 years your premiums can go up three to five times or more. Dont take this plan if you feel you will need more than 20 years of term life insurance coverage.
30 year plan With 100% Money Back: Just like with the regular 30 year plan above, payments are guaranteed to remain the same for 20 years. An added benefit is that at the end of the 30th year you will receive back 100% of all the premiums you paid - if you cancel your policy before the end of year 30 you may only receive a partial refund of premium or no refund at all . After 30 years your premiums can go up three to five times or more. Dont take this plan if you feel you will need more than 30 years of term life insurance coverage .
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