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Rapid Decision Term Insurance from PHA, US

Rapid Decision Term, Life Insurance Quotes

  • To request a personalized quotation and/or information and applications by mail on Rapid Decision Term Life Insurance please click Request Advice.

Web-based technology and underwriting innovation enables Fidelity Life to offer a fast, hassle-free term life insurance purchase experience. With our Rapid Decision Term product, the application, approval and delivery processes have been streamlined to allow decisions to be made in from a few minutes to a few days versus weeks and months with traditional term life insurers.

No medical examinations. No testing. And no waiting for results. * Issuance depends only on the answers to a few health questions. This rapid decision-making process yields results from experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other term life insurer.

Rapid Decision Term Life Insurance is a level death benefit participating term life insurance product to age 95. Guaranteed level premium periods of 10, 15, 20 and 30 years are available. After the level premium period, rates increase each year through age 94. The policy is convertible during the first 10 policy years or to age 65, whichever comes first.

Rapid Decision Term features our rapid decision underwriting process, which utilizes the Internet and the active involvement of our underwriting professionals. Our application, approval and delivery processes have been streamlined to allow underwriting decisions to be made in days, instead of the standard time frame of several months. Issuance of a policy depends only on the answers to a few health questions.

*Occasionally a medical exam, test or report will be ordered to assist a customer in clarifying or correcting an item of medical history.

 

  • About Fidelity Life’s Rapid Decision Term Life Insurance
    Fidelity Life Association now offers term life insurance with their Rapid Decision Process. Rapid Decision Term offers the most convenient application and underwriting process available in the industry.
  • Who is the Insurance Company?
    Issued by Fidelity Life Association, A Legal Reserve Company.
  • Length of the Policy
    Ten (10) Fifteen (15) twenty (20) and (30) year term life insurance plans.
  • Issue Ages
    Ages 16-75 depending on insurance plan and face amount, (death benefit).
  • Face Amounts
    $10,000 - $250,000 depending on age and insurance plan.
  • Rate Guarantee
    Guaranteed level premium periods of 5, 10, 15, 20, and 30 years.
  • Renewability
    After the level premium period, policies renew on a Yearly Renewable Term, (YRT) increasing premium schedule through age 94.
  • Convertible Option
    Policies may be converted to a permanent plan of insurance designated for conversions any time during the first ten (10) policy years or prior to age sixty-five (65), whichever comes first.
  • Underwriting Classes
    Select or Standard
  • Payment Modes and Frequency
    Annual-Direct, Semi-Annual-Direct, Quarterly - Direct or Credit Card, Monthly-Electronic Funds Transfer (EFT).

 

Secure Your Quote and applications Online and purchase your life insurance via our virtual agency at Private Heath Associates, US. You and your loved ones will be glad you did.

 

  • To request a personalized quotation and enrollment materials by mail on Rapid Decision Term life please click Request Advice.

Fidelity Life Association is domiciled in Illinois and licensed to do business in all states and the District of Columbia, except Wyoming and New York. NAIC number 63290. With one of the industry's strongest capital to risk ratios, Fidelity Life also offers an A.M. Best A- (Excellent) rating. * Jesse Heim III authorized Fidelity Life agent/broker, licensed in all fifty states. This is an outline only and not intended to serve as legal interpretation of benefits. Reasonable effort has been made to have this outline represent the contract language. However, the contract language stands alone and the complete terms of the coverage will be determined by the policy certificate. All plans of insurance not available in all states and jurisdictions.

*For the latest rating, access www.ambest.com

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