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Buying Process for Term Life Insurance

Once you understand the value of adding Term Life Insurance to your financial plan, a Fidelity representative will guide you through the process. Reviewing these steps will help you to be prepared and informed.

You can take the first two steps on your own, or call 800-642-6904 to get help from start to finish.

  1. Estimate how much you need.
    Use the Term Life Insurance Needs Estimator to calculate your approximate insurance needs.
  2. Obtain a quote.
    Use the online Term Life Insurance Quote Tool.
  3. Call a representative.
    Call a Fidelity representative at 800-642-6904. A representative will work with you over the phone or in person to review your needs, start the process, explain the underwriting procedures, and answer questions.
  4. Complete your insurance request.
    A representative will guide you through the process, which includes completing forms that will be mailed to you. After you have completed them, you can send them back by fax or mail.
  5. Gather medical information and complete the application.
    A Fidelity representative will call within two or three days after we receive the completed forms to gather medical information, complete the application, and set up an appointment for a medical exam. Scheduling your appointment as soon as it is convenient helps ensure a faster underwriting process.
  6. Undergo a no-cost medical examination.
    A trained professional will visit you at a convenient location—at work or home—to conduct the no-cost medical examination.
  7. Get your underwriting decision.
    In four to six weeks, your Fidelity representative will contact you with the details of the underwriting decision, letting you know if you are accepted for coverage and what your premium will cost.

Under certain circumstances, verification of information and additional medical requirements may be necessary. A representative will be assigned to handle all aspects of guiding your case through the underwriting process quickly and efficiently.

Fidelity Investments Term Life Insurance (Policy Form Nos. FTL-96200, et al. and FTL-99200, et al.) is issued by Fidelity Investments Life Insurance Company, 100 Salem Street, Smithfield, RI 02917, and, for New York residents, Empire Fidelity Investments Term Life Insurance (Policy Form No. EFTL-99200, et al.) is issued by Empire Fidelity Investments Life Insurance Company®, New York, NY. Fidelity Insurance Agency, Inc., is the distributor. A contract’s financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.
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