Life insurance and long-term care solutions

Get the peace of mind that comes from financially protecting yourself and your family.


How life insurance can help protect your family and your financial goals


Replace your income


Helps ensure your family can pay the bills, send the kids to college, or keep the business running


Protect your plan


Can help pay for long-term care costs while protecting your retirement savings plan


Leave a lasting legacy


Lets you transfer your wealth on your terms

Life insurance solutions available from Fidelity

Term life insurance


Provides a lump sum of money to help cover expenses after your death

Universal life insurance


Provides lifetime coverage and the ability to transfer wealth to your heirs

Hybrid life insurance with
long-term care


Helps you pay for long-term care expenses while protecting your retirement savings plan

Compare different types of life insurance


  Term life insurance Whole life insurance Universal life insurance Hybrid life insurance
What is it? Insurance that covers you for a specific amount of time—typically 10, 15, or 20 years—for a predetermined dollar amount A type of permanent life insurance that covers you for your entire life, with fixed premiums, a guaranteed cash value, and a guaranteed payout amount A type of permanent life insurance that covers you for your entire life, with flexible premiums, a payout amount for beneficiaries, and may build a cash value over time A long-term care benefit included with another type of insurance, usually whole or universal life insurance
Is it available through Fidelity? Yes, with Fidelity term life insurance No. Traditional whole life is currently not offered Yes, we offer universal life insurance through MassMutual Yes, we offer hybrid life insurance with long-term care (LTC) policies, one with whole life insurance and one with universal life insurance
Why is it important? Can help replace the loss of your income so your loved ones can pay for housing, college, or other financial necessities Can replace income or help with wealth transfer Can replace income or help with wealth transfer Can help pay for long-term care needs
What are the top features? A lump sum, tax-free payout to beneficiaries used for income replacement Can be used for tax-free wealth transfer or to pay for estate taxes Can be used for tax-free wealth transfer or to pay for estate taxes If you don't use the long-term care benefit, your beneficiaries will receive a death benefit
What is the payment schedule? Premium payment amount stays the same for the coverage period you select; the available premium options are monthly, semi-annual, and annual Premiums are usually fixed, and can often be paid in a single payment or in installments Flexible premium payments (within certain limits) Varies, but usually either in a single payment or in installments

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