What to do with your declined cases?
Rapid Decision Senior Life: Term & Whole Life
A competitively priced graded portfolio designed to meet the needs of individuals
ages 50-85 in face amounts up to $150,000
Applicants must be able to answer "NO" to all of the following application
Have you been diagnosed as having or been treated by a physician for:
Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome
(AIDS) or AIDS Related Complex (ARC)?
Alzheimer's disease (dementia), Amyotrophic Lateral Sclerosis (ALS), mental
retardation or Down's Syndrome or do you require the assistance of another person
for dressing, bathing, toileting, or mobility or do you use an oxygen tank?
Have you, within the past 2 (two) years:
Had a heart attack (myocardial infarction) or stroke (cerebral vascular accident)?
Had or are now awaiting an organ or bone marrow transplant (except as a donor)?
Been diagnosed with cancer, received or been prescribed radiation or
chemotherapy or have you received or been prescribed dialysis?
Been confined to or been advised by a licensed medical professional to be admitted
to, a nursing home, hospice, extended care or special treatment facility or are you
Used controlled substances such as cocaine, heroin, amphetamines, barbiturates or
hallucinogens except as prescribed by a physician or been treated for or been
advised by a physician to seek treatment for drug or alcohol use?
Been advised by a licensed medical professional that your life expectancy is less
than 24 months?
Had more than one DUI (DWI) violation, been convicted of a felony or are you
now on probation?
- Issue ages 50 to 85
- Face amounts up to $150,000
- 10, 20, 30 year term and whole life plans available
- Premiums level for the life of the policy
- Competitively priced graded benefit
- Full coverage starting in year four
Approvals in as little as 24-48 hours
Based on answers to application questions
Subject to database checks
Applications can be submitted via paper or online - Rapid App
- RD Senior Life Product
- State Availability Chart
- Fidelity Quote Link
- RD Senior Life Term &
- RD Senior Life Term
- RD Senior Life Whole
For additional information and access to the full product guide, quoting,
applications, state availability, Rapid App, Agent login, webinar training schedule,
marketing materials and more, please go to our Agent Website: FidelityLifeAgents
Fidelity Life Sales & Marketing