Term life insurance Insuring their future starts here


See how affordable term life insurance can be. You'll have peace of mind knowing your loved ones have a safety net if the unexpected happens.


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Make sure support is there for them tomorrow... like you are today.


Help provide the financial security for loved ones to maintain their lifestyle if you were no longer there. Apply for term life insurance today.

Affordable pricing

As low as $21.25 a month for a 20-year,
$500,000 policy.1

Flexible coverage

Choose from 10 to 30 years2 of term lengths and amounts from $250,000 to $10M.

Tax-free payout

Your loved ones will receive 100% of the insurance payout income-tax free.3


How it works

  1. Start with a quick price quote

    With your monthly estimate, you'll get an easy way to start the online application.
    estimated time: 2 minutes

  2. Complete, sign, and submit your online application

    Tip: To complete the application, have details of your medical history handy.
    estimated time: 20 minutes

  3. Your application gets reviewed

    Approval could be immediate. More often, we'll email you for more information, including a medical exam. Once we have all the info, we'll complete your review.
    estimated time: Immediate to several weeks

  4. Get a personalized offer

    If you're approved, we'll email you a policy offer with your final cost. If you're satisfied, simply accept and pay—and you're covered!


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Need more help?


Have an existing term policy with us?

View and manage your policy by logging in to your Fidelity accountLog In Required.4


Check the status of your application

Thank you for applying. Log in and track the statusLog In Required of your application.


Need to file a claim?

We're so sorry for your loss.
We're here to help with your claim.

Things to know about term life insurance

What is the difference between term life and whole life insurance?


Term life covers you for an amount of time you select—such as 10, 20, or 30 years2—for a benefit amount you select. Term is typically the most affordable and simple type of life insurance coverage. Whole life is a permanent life insurance that
covers your entire lifetime, often with fixed premiums and a cash value.

How much term life coverage do I need?


Typically, you'll need coverage of 10 to 12 times your annual income. Consider how much loved ones may need for essential expenses like a mortgage and even future goals like college. Use the Coverage Calculator to estimate how much coverage you may need.

How long should I have term life insurance for?


Consider how long your loved ones would need help covering major expenses like a mortgage, rent, or childcare. Fidelity offers term life insurance in increments of 10, 15, 20, 25, or 30 years2 in most states. Get a quote to estimate your coverage needs and the cost.

Learn more about life insurance

We have gathered some of our best resources to help guide you on your journey.


Frequently asked questions

  • Is term life insurance right for me?

    Term life insurance covers you for a specific number of years and a fixed amount of money. It can act as a safety net and give financial help to your loved ones if you pass away unexpectedly. Term life insurance is available for those who are 18 years old and older, US citizens, and permanent residents of the United States.

  • What happens at the end of my term or coverage period?

    Term life insurance covers you for a specific number of years or term. For example, if you buy a 10-year term policy, you pay a fixed amount for those 10 years. At the end of the term, you can end your policy. If you choose to extend your policy, your premium would increase significantly.

  • Why do I need a medical exam when applying for a Fidelity Term Life Insurance policy? Who does it?
    Usually, you'll need a medical exam so we can understand your health and give you a personalized rate. A paramedic will do the 30-minute exam. It's safe, secure, and free. You can choose a convenient time and place. They'll check your blood pressure, weight, and height. They'll also take blood and urine samples.
  • Can I still get a Fidelity Term Life Insurance policy if I have a history of medical conditions?
    You might still qualify for a term life policy even if you have medical conditions. Medical history is just one factor in deciding if you can get coverage and how much it will cost. We'll figure out your eligibility through the application and underwriting process.
  • Can I insure my spouse, child, parent, or sibling?

    At this time, you can only apply for and buy a term life insurance policy for yourself. The best option to help get a loved one protected is to share this webpage and suggest they apply for their own policy.


Why Fidelity

Know we have your back no matter what

Fidelity Investments Life Insurance Company is an A+ rated life insurer5 that has supported families like yours since 1987.

Get a full view of your financial picture

You already trust Fidelity with your financial planning and retirement needs. Let us help you determine the right amount of protection for your loved ones.

Get your quote