Get the peace of mind that comes from financially protecting yourself and your family. Learn how life insurance can help protect your family and your financial goals here.
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Term life insurance
Whole life insurance
Universal life insurance
Hybrid life insurance
What is it?
Insurance that covers you for a specific amount of time—typically 10, 15, or 20 years—for a predetermined dollar amount
A type of permanent life insurance that covers you for your entire life, with fixed premiums, a guaranteed cash value, and a guaranteed payout amount
A type of permanent life insurance that covers you for your entire life, with flexible premiums, a payout amount for beneficiaries, and may build a cash value over time
A long-term care benefit included with another type of insurance, usually whole or universal life insurance
Is it available through Fidelity?
Yes, with Fidelity term life insurance
No. Traditional whole life is currently not offered
Yes, we offer universal life insurance through MassMutual
Yes, we offer hybrid life insurance with long-term care (LTC) policies, one with whole life insurance and one with universal life insurance
Why is it important?
Can help replace the loss of your income so your loved ones can pay for housing, college, or other financial necessities
Can replace income or help with wealth transfer
Can replace income or help with wealth transfer
Can help pay for long-term care needs
What are the top features?
A lump sum, tax-free payout to beneficiaries used for income replacement
Can be used for tax-free wealth transfer or to pay for estate taxes
Can be used for tax-free wealth transfer or to pay for estate taxes
If you don't use the long-term care benefit, your beneficiaries will receive a death benefit
What is the payment schedule?
Premium payment amount stays the same for the coverage period you select; the available premium options are monthly, semi-annual, and annual
Premiums are usually fixed, and can often be paid in a single payment or in installments
Flexible premium payments (within certain limits)
Varies, but usually either in a single payment or in installments
Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.
Certain products available through Fidelity are issued by third-party companies, which are unaffiliated with any Fidelity Investments company. Insurance products are distributed by Fidelity Insurance Agency, Inc. and for certain products, by Fidelity's affiliated broker-dealer, Fidelity Brokerage Services LLC, Member NYSE, SIPC.
Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 900 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.
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