News: Fidelity Life Association

Fidelity's answer to your DECLINES

Posted on 6/20/2013 by

What to do with your declined cases?

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 questions:

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 now hospitalized?

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?

Product Features:

  • 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

Simplified Underwriting

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

Product Information:

  • RD Senior Life Product Guide
  • State Availability Chart
  • Fidelity Quote Link

Consumer Advertising:

  • RD Senior Life Term & Whole Life
  • RD Senior Life Term
  • RD Senior Life Whole Life

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

Thank you,
Fidelity Life Sales & Marketing

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