Life Insurance Basics

Ready to understand life insurance better and start planning? We’re here to help. Our Learning Center library and glossary, insights blog, and calculator ensure you feel confident and empowered in your decision making.

How it works: our quick, easy application

Apply for life insurance online in just a few minutes with Ethos’ simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!
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Learn & Plan

There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.

Don't sweat the medical exam

Many people worry about the medical exam, so we break down what happens and how a medical exam is used in life insurance. Plus, you can explore the policies available that don’t require an exam.
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Fidelity Life Association Named One of America’s Best Insurance Companies for 2026

Fidelity Life Association is proud to announce its inclusion in Forbes’ America’s Best Insurance Companies 2026 ranking. This prestigious recognition,…

Life Insurance Calculator

Curious about the amount of life insurance that would give you the financial security you need? A few pieces of information can help you determine what coverage might work best.
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Fidelity Life Association Named One of America’s Best Insurance Companies for 2026

Fidelity Life Association is proud to announce its inclusion in Forbes’ America’s Best Insurance Companies 2026 ranking. This prestigious recognition, made in collaboration with Statista, the leading statistics portal and industry ranking provider, was revealed on September 24, 2024, and can be accessed on Forbes.com. The America’s Best Insurance Companies 2025 ranking is based on an independent survey of over 18,000 U.S. citizens. Participants evaluated insurance providers they had interacted with in the past three years across six key dimensions: Advice, Customer Service, Price/Performance, Transparency, Digital Services, and Damage/Benefit Service. Survey respondents rated their companies on satisfaction, loyalty, and overall recommendation. These ratings were converted into scores, which were aggregated to determine rankings across five insurance types including Permanent Life and Term Life. Fidelity Life Association is honored to be recognized among the best in the industry as part of this esteemed list. Statista’s comprehensive research and analysis reflect its commitment to providing reliable data and insights across various sectors, making this recognition even more significant. We are proud to be recognized for the third year in a row and remain committed to delivering innovative products that enable everyday Americans to access life insurance coverage quickly, easily, and affordably.

Term Life Insurance Calculator

Curious about the amount of life insurance that would give you the financial security you need? A few pieces of information can help you determine what coverage might work best.
Just answer 10 or so questions about your debt, savings, expenses, etc. and we’ll show a personalized estimate for a payout amount for your consideration. Try our term life insurance calculator, then get a quote for whatever amount you decide is best for you and your family.