Buying Process for Term Life Insurance

Begin by using the Term Life Insurance Needs Estimator to calculate your approximate insurance needs and the Term Life Insurance Quote Tool to obtain a quote.

The next step is to determine the cost of your life insurance policy, which usually takes four to six weeks and is completed in three steps:

  1. Call a Fidelity Insurance Specialist at 800-642-6904.
    Your Fidelity Insurance Specialist will work with you over the phone to review your insurance needs and determine your initial rating, as well as your estimated annual premium. The specialist will work with you to complete the form to initiate an application. Once Fidelity receives the signed form, your Case Manager will contact you to request medical information. The call should last 10 to 15 minutes.
  2. Complete a convenient medical exam.
    Your Case Manager will schedule a routine medical exam with a trained professional at a time and location convenient for you. There is no cost for the exam, and no obligation to purchase a policy.
  3. Get your underwriting decision.
    The information collected is reviewed and, if necessary, your physician may be contacted for more information. Afterward, your Case Manager will contact you to let you know if your application has been approved and what premium you have qualified for.