Question 1

How long does the application process take?

Accepted Answer

The online application takes about 10 minutes to complete. Many applicants receive a decision the same day, though some applications may require additional review which can take a few business days.

Question 2

Do I need a medical exam to get life insurance?

Accepted Answer

Not necessarily. We offer no medical exam life insurance options with coverage up to $1.5 million where decisions are based on your answers to health questions. Many applicants qualify for coverage without any medical exam, blood tests, or doctor visits.

Question 3

What information do I need to apply?

Accepted Answer

You'll need basic personal information (name, date of birth, Social Security number), contact information, beneficiary details, and be prepared to answer questions about your health history and lifestyle.

Question 4

Can I apply if I have health conditions?

Accepted Answer

Yes, many people with health conditions can still qualify for coverage. Eligibility depends on the specific condition and how well it's managed. The application will ask about your health history, and coverage decisions are made based on that information.

Question 5

What types of life insurance do you offer?

Accepted Answer

We offer a full range of life insurance products including term life insurance (10, 15, 20, and 30 year terms), whole life insurance, universal life insurance, and annuities. We also offer simplified issue (no medical exam) policies for those who want faster approval without medical underwriting.

Question 6

How much coverage can I get?

Accepted Answer

Coverage amounts range from $5,000 to $1.5 million for no medical exam options, depending on your age, health, and the specific policy. Traditional underwritten policies may offer even higher coverage amounts. The application process will show you the coverage options available to you.

Question 7

How much does life insurance cost?

Accepted Answer

Premiums vary based on factors including your age, health, coverage amount, policy type, and term length. Many people are surprised to find that life insurance is more affordable than they expected. You can get a personalized quote through our online application.

Question 8

Are the premiums fixed or do they increase?

Accepted Answer

With term life insurance, your premiums are level (fixed) for the entire term of your policy. Whole life insurance also has level premiums. Universal life insurance offers flexible premiums. If you choose a 20-year term policy, for example, your premium will remain the same for all 20 years.

Question 9

Who issues the life insurance policies?

Accepted Answer

All policies are issued by Fidelity Life Association, a legal reserve life insurance company headquartered in Wheeling, Illinois. Fidelity Life has been providing life insurance since 1896 and is a trusted name in the industry.

Question 10

Is iEnsure Insurance the same as Fidelity Life Association?

Accepted Answer

No. iEnsure Insurance is an independent licensed insurance producer authorized to sell Fidelity Life Association products. We are not affiliated with Fidelity Life Association except as an authorized distributor of their policies.

Question 11

Is my personal information secure?

Accepted Answer

Yes. We use bank-level 256-bit SSL encryption to protect your personal information throughout the application process. We never sell or share your data with third parties without your consent.

Question 12

What happens after I'm approved?

Accepted Answer

Once approved, your policy will be issued by Fidelity Life Association. You'll receive your policy documents electronically, and your coverage becomes effective according to the policy terms. Premium payments can typically be set up for automatic monthly billing.

Question 13

Who can I name as a beneficiary?

Accepted Answer

You can name any person, trust, or entity as your beneficiary. Most people name a spouse, children, or other family members. You can also name multiple beneficiaries and specify what percentage each should receive.

Question 14

Can I change my beneficiary after the policy is issued?

Accepted Answer

Yes, you can typically change your beneficiary at any time by contacting Fidelity Life Association and completing the required paperwork. There's usually no fee to make this change.

Question 15

How do beneficiaries file a claim?

Accepted Answer

In the event of a claim, beneficiaries should contact Fidelity Life Association directly. They will guide your beneficiaries through the claims process, which typically involves submitting a death certificate and completing claim forms.

Frequently Asked Questions

Application Process

Coverage & Policies

About the Insurance

Beneficiaries & Claims

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