Legal Terms and Conditions

Instant-Term-Life.com is not a life insurance company, broker, or carrier, and we cannot issue life insurance policies. This site provides free information on insurance providers and coverage options. Policies and products may not be available in all states, and product and policy information is subject to change without notice. Please contact your insurance company directly to answer your policy inquiries.

Fidelity Life Association is licensed in all states and the District of Columbia, except for WY and NY. Rapid Decision Term Life (Policy Form F3600) and some riders are not available in all states. A two year suicide exclusion and contestability period applies (one year in some states). All applications are subject to underwriting approval. Our NAIC number is 63290. Life insurance without a medical exam may not be available to all customers and we make no guarantees regarding same herein. A medical exam may be requested based upon medical history and other factors. Rapid Decision Term Life is not an insurance broker or carrier. We cannot make changes to existing life policies, nor can we issue policies. Life insurance products and services may not be available in all states. Information regarding life insurance products is subject to frequent change, and while we try to keep our site as up to date as possible, we cannot guarantee the accuracy of information on our site at any given time.