Who needs life insurance?
There are a wide range of life insurance product options available for individuals in all stages of life or navigating unique circumstances.
There are options for many people.
You’ve built a life together, and that means your partner’s financial security is in part based on your income. Life insurance helps maintain their same quality of life if you pass.
For working and stay-at-home parents, life insurance can help cover the mortgage, child care, college tuition, and more. Managing expenses and marking milestones are made simpler through financial protection.
There are life insurance product options if you use or have previously used cigarettes, a pipe, or chewing tobacco. Vaping, e-cigarettes, and marijuana use can also impact policy choices and premiums.
Whether you’re near or already enjoying retirement, mature adults can benefit from life insurance to help protect your beneficiaries from medical debt, loss of pension, or other financial hardships.
There are life insurance product options if you use or have previously used cigarettes, a pipe, or chewing tobacco. Vaping, e-cigarettes, and marijuana use can also impact policy choices and premiums.
Life insurance is inclusive to partners, spouses, or whomever you name as your beneficiary. They can receive a tax-free payout to help with bills and ongoing quality of life.
Recreational or medical use of marijuana may cause an increase in your premiums. Many life insurance products, once unavailable to marijuana users, are becoming more available as laws change.
If you’re living with Type 1 or Type 2 diabetes, or a variant, but managing your diabetes well and otherwise in good health, you can likely qualify for a range of term or whole life products.
There are options for individuals with chronic illnesses, especially if you are managing your chronic illness. Life insurance policies or riders may provide a death benefit or help cover final expenses.
While the range of options and death benefits may be smaller, and the premiums higher, there are still life insurance policy options for people with cancer or a history of cancer.
Living with a chronic health issue often means adjusting to a new normal, but one thing that doesn’t have to change with less-than-perfect health is your ability to qualify for life insurance.
Can someone in a high-risk occupation get life insurance? Is an individual life insurance policy for a high-risk job a good idea? Explore Fidelity Life’s options.
Find a policy that works for you
There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.
