Term Life by Tomorrow: "Rapid Decision Term Life"

Need to get some term life insurance in place quickly? Want to avoid a medical exam?
We’ve got a solution for you: Fidelity Life’s “Rapid Decision Term” policies. The process has been streamlined and simplified for you to get coverage very quickly and easily.
Is there a catch? Yes, there is a higher premium for this — you can get better prices by going the traditional route (with the medical work-up and whatnot).
How much? You can get between $25,000 and $250,000 (in increments of $25k).
Now, this is not for everybody. The nature of the application (and the quick turnaround) requires that you have a pretty clean bill of health. The medical questions are simple, yes/no questions and you have to be able to answer them all with a no to get a “rapid term” policy.

You have to be able to answer every medical question “NO.” The big ones are here:

  • Do you currently take more than 2 prescription medications for pain; or do you consume, on average, more than 3 alcoholic beverages per day?
  • In the past 10 years, have you received any treatment, medical advice or consultation for; been diagnosed with or required follow-up for: diabetes or elevated blood sugar; cancer (excluding basal cell or squamous cell carcinoma of the skin); stroke, transient ischemic attack (TIA or mini-stroke); emphysema; chronic bronchitis or chronic lung disease; major depression or anxiety that required psychiatric treatment; bipolar disease or mood disorder; schizophrenia, Alzheimer’s disease, dementia, rheumatoid arthritis, paralysis; any degenerative muscle or nerve disease or disorder; alcohol or drug abuse; OR any disease or disorder of the following: heart, aorta, coronary arteries, peripheral vascular system, blood, liver pancreas, kidney (other than kidney stones), brain or connective tissue?

If you’re interested, let us know by clicking the “Contact us” button to the right!