Fidelity Life Review

Fidelity Life offers an attractive final expense insurance proposition and excels at customer service.

Fidelity Life review
(Image: © Fidelity Life)

Top Ten Reviews Verdict

Fidelity Life offers almost everything you could want from a final expense insurance provider. The cover options should suit most and the excellent website makes clear all the choices on offer. There is also as much background information as you could hope to find. What really puts the icing on the cake, however, is the outstanding customer service you can expect to receive should you be in need of support - and if for some reason you don’t think your plan is right for you within the first month, you can ask for your money back too.


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    Easy to navigate website

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    Good choice of cover options

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    Highly regarded customer service


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    Lack of wider support for loved ones

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Founded in 1896, Fidelity Life has all the experience expected of one of the best final expense insurance companies. With over $32 billion of life insurance policies in force, it is the type number that suggests its financial strength is beyond question too - an A- rating from A.M. Best only supports the notion that Fidelity Life has few concerns over its ability to meet future obligations to policyholders and their beneficiaries.

As well as enjoying a distinguished history, Fidelity Life has embraced the technological advances made over the years too, making it easier and faster for Americans to attain the insurance coverage that they need. Besides final expense insurance, Fidelity Life offers term life insurance, accidental death benefit policies and a number of life insurance riders. 

Prepare your loved ones financially with

Prepare your loved ones financially with
A final expense insurance policy through can ensure your nearest and dearest have less to worry about after you're gone. 

Fidelity Life review: What is on offer

Customers taking out Fidelity Life's RAPIDecision Final Expense solution will see their loved ones benefit from cover designed to help meet the cost of medical and end-of-life costs, as well as funeral expenses. Alternatively, the funds can be used to payoff credit cards or other debts that the deceased might leave behind. 

As a permanent life insurance policy, cover remains in place for as long as the premium is paid. It also means that the premium covers both the death benefit and the build up of a cash value, which will be payable to the policyholder should they ever choose to let the policy lapse. 

Fidelity Life review

(Image credit: Fidelity Life)

Applications can be made over the phone or online, while the company's Rapid App underwriting process means a policy can be approved in a matter of days. While no medical examination is necessary, Fidelity asks various health questions on which your approval will be partly based - certain health problems are acceptable, but cover is unlikely to be approved for those with serious conditions or a limited life expectancy. If you do have such health concerns, an alternative plan - RAPIDecision Guaranteed Issue - is available that promises to provide cover without asking questions of health and with no underwriting process.  

Fidelity Life review: The finer details

Fidelity's final expense plan can provide coverage of between $5,000 and $35,000, depending on your needs (the Guaranteed Issue plan is limited to a maximum of $25,000). Once agreed, your premium is guaranteed and won't rise, with the policy remaining in force for as long as your premiums are paid. 

As with most final expense insurance, the plan is aimed at retired or older adults, so you will need to be between the ages of 50 and 85 years old to apply. An accelerated benefit rider can be added to both plans at no additional cost, allowing a percentage of your benefit to be taken early if you have a terminal illness. 

Fidelity Life review: Service

Fidelity Life's website is easy on the eye and accessible. Everything is clearly explained and there's a learning center that provides more in-depth information about all things insurance related. Should you get stuck, there are FAQs and a glossary of terms, along with a section entitled Insights that seeks to answer a wide range of questions too. 

Fidelity Life review

(Image credit: Fidelity Life)

If you're still in need of assistance, customer service representatives are available at the end of the phone Monday through Friday, or you can email. However you approach Fidelity, you are unlikely to be disappointed with the response you receive, with the insurer featuring in Newsweek's rundown of America's best customer service rankings for the second year in a row in 2020. Adding further gloss, Fidelity carries an A+ rating from the Better Business Bureau and an impressive rating of 4.2 stars out of five on Trustpilot

Should you find yourself dissatisfied with anything early on, there is also a 30-day free look period for all policies, during which you are entitled to a full refund of any premiums and fees paid if you decide the policy isn't right for you. If there is one thing maybe missing, it is the type of support package available to loved ones following the passing of a policyholder that Lincoln Heritage can provide. 

Should you use Fidelity Life final expense insurance?

Fidelity Life offers a choice of final expense solutions and the chance to arrange cover to the value of $35,000. The website is excellent, containing all the information you should need in terms of how the cover works and the application process involved. There's also welcome clarity over who can apply and expect to be approved. Even then, should you have any further questions or need additional support, Fidelity is widely recognized for its excellent customer service too, all combining to make it worthy of recognition as one of the best final expense insurance companies overall. 

Get final expense cover quotes at

Get final expense cover quotes at
If you want the easiest way to get a final expense quote, could prove the best option for you.  

Tim Leonard

With over 20 years’ experience in the financial services industry, Tim has spent most of his career working for a financial data firm, where he was Online Editor of the consumer-facing Moneyfacts site, and regularly penned articles for the financial advice publication Investment Life and Pensions Moneyfacts. As a result, he has an excellent knowledge of almost areas of personal finance and, in particular, the retirement, investment, protection, mortgage and savings sectors.