Fidelity Life Customer Service

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Our Customer Service Center Representatives are ready to meet your needs during our normal hours of operation from 8:00am to 5:00pm Central Time at: (800) 369-3990.

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Write to Us

Written correspondence can be directed to:

Fidelity Life Association
P.O. Box 5030
Des Plaines, IL 60017

To reach us overnight our mailing address is:

Fidelity Life Association
8700 W. Bryn Mawr Ave
Suite 900S
Chicago, IL 60631

Please include the policyowner name, insured name, policy number and contact information. Please note that FLA customer service representatives can only provide policy information over the phone to policyowners or to someone the policyowner has provided FLA with written permission to receive information.

Frequently Asked Questions

New Coverge

Can I apply for a Fidelity Life policy on this website or secure a quote?

We market our products through a national network of agents. For a referral to one of our agents email sales@FidelityLife.com, or to speak to a live agent now call 888-231-8292.

Not all products are available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.

Policy Questions and Policy Changes

I have lost my policy. Can you provide me with a certificate of coverage?
Please contact Fidelity Life Customer Service - service@fidelitylife.com or 1-800-369-3990.
My policy has lapsed and I want to reinstate the coverage. How can I do this?
Please contact Fidelity Life Customer Service - service@fidelitylife.com or 1-800-369-3990
How do I make changes to information on my policy, such as address change, name change, beneficiary change, or owner change?

You can make all of these changes by using our Service Request Form found in the Customer Center, in the Individual Life Insurance Service forms section.

Service Request Form

How do I make changes to the policyowner designation for my policy?

You can make changes by using our Ownership Change Request Form found in the Customer Center, in the Individual Life Insurance Service forms section.

Ownership Change Request Form

All policy benefit changes must include spousal consent for community property states:
If the policyowner is a resident of AZ, CA, ID, LA, NV, NM, TX, WA or WI, spousal consent is required unless the participant has no legal spouse. Please note, that without the spousal signature (if applicable), we will not be able to process the request.
I have a rider benefit on my policy and would like to have it removed. How can I do this?
Please contact Fidelity Life Customer Service - service@fidelitylife.com or 1-800-369-3990
How do I collaterally assign my policy?

You must complete the Assignment of Policy as Collateral Security Form to effect this change which is on our website in the Customer Center in the Individual Life Insurance Service forms section.

Assignment of Policy as Collateral Security Form

How do I request a loan, partial withdrawal, surrender, or dividend option change on my policy?

You must complete our Loan/Withdrawal Surrender Form found on our website in the Customer Center in the Individual Life Insurance Service forms section. The policy packet should be returned with a surrender request or in lieu of that the policyowner must destroy the policy. Spousal Signature required if residing in a community property state.

Loan/Withdrawal Surrender Form

* NOTE: Fidelity Life Association will not accept emails or phone calls to surrender, cancel or freelook a policy. FLA cannot verify the identification of the sender or the caller.

How do I free look my policy under the 30 day free look provision explained in my policy?
Agent or Policyowner should return the policy packet to Home Office. The policy packet may be returned within 30 days from the date you received it for a full refund. If you destroyed or lost your policy, the policyowner may send a letter of instruction requesting the free look. Both methods require the signature of the policyowner along with a current date. Spousal Signature required if residing in a community property state.
How do I cancel my policy coverage?
Submit a written, dated, and signed request by the policyowner and send to Fidelity Life Customer Service. The policy packet should be returned with a cancellation request or in lieu of that, the policyowner must destroy the policy. Spousal Signature required if residing in a community property state.
Why am I asked to return or destroy my policy if I am requesting to cancel, free look, or surrender my policy?
In the unfortunate event of the insured’s death, if the policy was not destroyed or returned at the time of cancellation, freelook, or surrender the beneficiary may believe they can make a death claim if they find the policy packet in the insured’s personal effects

Premium Payments and Billing Information

How do I change the way that I pay my premiums, such as change of bank account information, or change of credit card information?

You can use our Premium Payment Option Form found on our website in the Customer Center in the Individual Life Insurance Service forms sections to make these changes. OR, you may contact Fidelity Life Customer Service for assistance.

Premium Payment Option Form

Premium Payments Acceptable Modes/Frequency

Credit/Debit Card:
Fidelity Life Association accepts Visa, MasterCard, Discover, and American Express credit and debit cards. Monthly, quarterly, semiannual, and annual payment modes are available (Please note pre-paid credit cards may be declined). In order to make updates or changes to credit/debit card premium billing please call in changes to Credit/Debit cards to FLA Customer Service. Please note the policy will draft on the evening of the bill/draft date, however, it may take an additional 1-3 days for the withdrawal to appear at the Payor’s banking institution. No billing reminders are sent on policies using credit/debit card as premium payments.
Electronic Fund Transfer (EFT, ACH, and Bank Draft):
Checking or savings accounts may be used, and monthly, quarterly, semi annual, and annual payment modes are available. Payor must either provide a Premium Payment Option form, a signed letter of instruction from the policyowner, or a voided check. Please note the policy will draft on the evening of the bill/draft date, however, it may take an additional 1-3 days for the withdrawal to appear at the Payor’s banking institution. No billing reminders are sent on policies using credit/debit card as premium payments.
Direct Bill:
Quarterly, semi-annual, and annual frequencies are available. Payor, Policyowner, or Agent may request a change to Direct Bill. Please note, FLA does not offer direct bill monthly.
Why is my monthly premium amount greater than the annual premium divided by 12 months?
Paying with an annual premium payment is the least expensive payment mode as the administrative costs are the lowest. To cover additional administrative costs, all other modes (monthly, quarterly, and semi-annual) have a modal factor added to the premium payment amount. (Please refer to your policy for more details)
Mail information for in-force direct premium payments to lockbox

Regular mail:

Fidelity Life Association
75 Remittance Dr, Suite 6431
Chicago, IL 60675-6431

When do you send my premium billing?
Premium notices are sent 21 days in advance of the premium due date. A reminder notice is mailed 10 days after the premium due date.

Death Claims

How do I submit a claim?
A beneficiary or someone acting on behalf of the beneficiary can submit a claim using our Claim Form found on our website in the Customer Center in the Individual Life Insurance Service forms section.
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