Term life insurance Insuring their future starts here


See how affordable term life insurance can be. You'll have peace of mind knowing your loved ones have a safety net if the unexpected happens.


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Make sure support is there for them tomorrow... like you are today.


Help provide the financial security for loved ones to maintain their lifestyle if you were no longer there. Apply for term life insurance today.

Affordable pricing

As low as $21.25 a month for a 20-year,
$500,000 policy.1

Flexible coverage

Choose from a range of term lengths and amounts—from $250,000 to $10MM.

Tax-free payout

Your loved ones will receive 100% of the insurance payout income-tax free.2


How it works

  1. Start with a quick price quote

    With your monthly estimate, you'll get an easy way to start the online application.
    estimated time: 2 minutes

  2. Complete, sign, and submit your online application

    Tip: To complete the application, have details of your medical history handy.
    estimated time: 20 minutes

  3. Your application gets reviewed

    Approval could be immediate. More often, we'll email you for more information, including a medical exam. Once we have all the info, we'll complete your review.
    estimated time: Immediate to several weeks

  4. Get a personalized offer

    If you're approved, we'll email you a policy offer with your final cost. If you're satisfied, simply accept and pay—and you're covered!


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Need more help?


Have an existing term policy with us?

View and manage your policy by logging in to your Fidelity accountLog In Required.3


Check the status of your application

Thank you for applying. Log in and track the statusLog In Required of your application.


Need to file a claim?

We're so sorry for your loss.
We're here to help with your claim.

Things to know about term life insurance

What is the difference between term life and whole life insurance?


Term life covers you for an amount of time you select—such as 10 or 20 years—for a benefit amount you select. Term is typically the most affordable and simple type of life insurance coverage. Whole life is a permanent life insurance that
covers your entire lifetime, often with fixed premiums and a cash value.

How much term life coverage do I need?


Typically, you'll need coverage of 10 to 12 times your annual income. Consider how much loved ones may need for essential expenses like a mortgage and even future goals like college. Get a quote to estimate your needs and your cost.

How long should my coverage last?


Consider how long your loved ones would need help covering major expenses like a mortgage, rent, or childcare. Fidelity offers term life insurance in various increments. Get a quote to estimate your coverage needs and the cost.

Learn more about life insurance

We have gathered some of our best resources to help guide you on your journey.


Frequently asked questions

  • Is term life insurance right for me?
    Term life insurance covers individuals for a specific amount of time, for a predetermined dollar amount. This coverage serves as a safety net for a period of years and can provide financial security to those you love if something happens to you. Term life insurance is available to those 18 years and older, US citizens, and permanent residents of the United States.
  • What happens at the end of my term or coverage period?
    Term life insurance covers you for a set period or term. If you buy a 10-year term policy, for example, you pay a fixed amount for that period of time and at the end of the 10-year term, you can terminate or lapse your policy. If you choose to extend your policy, your premium would increase significantly.
  • Why do I need a medical exam and who does it?
    In most instances, you will need a medical exam so we can better understand your health and provide you with a personalized rate. The 30-minute exam is conducted by a paramedic professional, is safe, secure, and can be done at a location and time convenient for you at no cost. You can expect blood pressure, weight, and height to be checked. Blood and urine samples will also be collected.
  • If I have a history of medical issues, can I still get a term life insurance policy?
    Yes, you may still be eligible for a term life policy. Medical history is just one factor in determining eligibility for coverage and premium amounts. Your eligibility will be determined through the application and underwriting process.
  • I need to file a claim. How do I notify Fidelity of the death of my loved one who had a term life insurance policy?
    We’re sorry for your loss and are here to help you. For policies issued prior to October 10, 2022, please call 888-343-8376 (select option #3), for policies issued on or after October 10, 2022, please call 844-519-5433.


Why Fidelity

Know we have your back no matter what

Fidelity Investments Life Insurance Company is an A+ rated life insurer4 that has supported families like yours since 1987.

Get a full view of your financial picture

You already trust Fidelity with your financial planning and retirement needs. Let us help you determine the right amount of protection for your loved ones.

Get your quote