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After
much search we have found a company that will offer affordable
term life insurance that will not require that
you submit to a paramed exam.
With
today's busy lifestyles, many people simply don't have
time to schedule someone to come to their home or office
to draw blood and get a urine sample. Instead of
going through that pain and hassle, and waiting an average
of 2 months before you know if you are approved, you can
get your life insurance taken care of in less than
10 minutes, and often be approved in 48-72 hours.
This
program is ideal if you:
- Don't
like needles
- Don't
want someone snooping in your blood and urine
- Don't
have time to mess with a paramed exam
- Want
to get this taken care of so you can move on to other
things

How
to Choose a Plan and Apply
Choosing
a life insurance plan is simple. First decide how
much coverage you want - $50,000, $100,000, $200,000,
up to $300,000 in most states ($200,000 limit for those
purchasing after age 45). Then decide the "term"
of the coverage - 5, 10, 15, 20, or 30 years (20 year
term is most popular). What this means is that the
coverage will be in force for the entire period of your
term, and that your premiums will not go up during the
entire time.
Simply
answer 10 yes/no questions, provide your basic
personal information (name, address, date of birth, etc.),
and initial payment information, and fax your application
back to us at 866-284-0082. Most cases are
approved within 48-72 hours.
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Smart
Life Monthly Rates - Male
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Age
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$50,000
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$100,000
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$300,000
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35
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$12
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$14
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$27
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40
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$13
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$17
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$36
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45
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$16
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$21
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$49
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50
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$22
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$32
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N/A
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55
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$31
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$52
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N/A
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60
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$43
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$74
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N/A
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65
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$61
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$109
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N/A
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Smart
Life Monthly Rates - Female
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Age
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$50,000
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$100,000
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$300,000
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35
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$11
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$12
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$23
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40
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$12
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$15
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$30
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45
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$14
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$17
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$38
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50
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$18
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$24
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N/A
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55
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$22
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$34
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N/A
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60
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$27
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$43
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N/A
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65
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$34
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$55
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N/A
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Note:
Rates quoted above for non-smoker residing in Colorado
purchasing 10 year term coverage. The maximum coverage
available for over age 45 is $200,000
OPTIONAL
RIDERS
The
following are optional riders that you can add to your
plan:
Waiver
of Premium Rider (WP)
Issue
ages 20 to 55. There is a 6 month (retroactive)
waiting period for the rider. The rate for WP is
0.21951 times the total annual premium for the policy
(including the policy fee and other riders). For
example, if the total annual premium was $500.00 then
the cost of WP would be 500 x .21951 = $107.55.
The new total annual premium would be $607.55.
Dependent
Child Rider
Available
where the primary insured is aged 19 to 60. Issued
to children aged 15 days to 18 years. The cost is
$8.00 per year per $1,000 ($5,000 to $25,000 available).
Coverage expires when the child reaches age 23, when the
primary insured reaches age 65 or when the policy terminates,
whichever comes first. Dependent Child coverage
is only available to children who are standard risks.
No substandard coverage is available under this rider.
Accelerated
Death Benefit Rider
Beginning
in policy year 3, the rider provides for an advance payment
of up to 50% of the death benefit if the Insured has a
life expectancy of 12 months or less. Death Benefits
are reduced by the advance plus interest. There
is no additional charge for this rider.
This benefit is not available in all states.
Accidental
Death Benefit (ADB)
The
ADB rider has a Travel Benefit feature which provides
an additional benefit of 1 times the ADB amount (to a
maximum of $300,000) for accidental death while a fare
paying passenger in a public conveyance such as an airplane,
bus or taxi. This rider is available for applicants
age 20 - 60.
Premiums
per $1,000:
Ages
20 to 40 $1.20
Ages 41 to 50 $1.10
Ages 51 to 60 $1.00
NOTE:
Not all riders are available in all States.

UNDERWRITING
REQUIREMENTS
Getting
approved for the Fidelity Rapid Decesion Term Life
Insurance policy is simple. You will be asked nine
to ten questions, depending on your state of residence.
If you answer yes to any of the questions, your application
will be declined. If you answer no to each of the
questions, your height and weight are in acceptable range,
and you do not partake in any "Risky Activities or
Occupations," then HSBC will perform a quick check
of your MIB (Medical Information Bureau) file, as well
as your prescription history. If your MIB file and
Rx check does not conflict with your answers to the health
questions on your application, your policy will be instantly
issued, and you will be able to save and print a copy
of your policy from your own computer.
Application
Questions
The
main health questions asked are as follows:
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Are you a United States citizen or do you have Permanent
Resident (Green Card) status?
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Are you currently taking any medication (by prescription
or over the counter) or receiving medical or mental
health treatment of any kind?
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Has any natural parent or sibling been diagnosed with
or died of cancer or heart disease prior to the age
of 60?
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Have you, within the past 10 years, been treated by
a physician for or been diagnosed as having:
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chest pain, myocardial infarction (heart attack),
blockage or narrowing of the arteries, irregular
heart beat (arrhythmia), hypertension (high blood
pressure), stroke, transient ischemic attack (TIA),
thrombosis, aneurysm or any other disorder of the
heart or blood vessels?
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diabetes, hyperthyroid, internal cancer or tumor,
lymphoma, melanoma, leukemia, hepatitis or other
liver disease, pancreatitis, kidney disease, urinary
tract disorder or disorder of the breast?
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Human Immunodeficiency Virus (HIV), Acquired Immune
Deficiency Syndrome (AIDS) or AIDS Related Complex
(ARC)?
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sleep apnea, cystic fibrosis, asthma, emphysema
or other treatment for breathing or lung disorders?
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memory loss or dysfunction, seizures, psychological
(emotional) or learning disorders?
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multiple sclerosis, rheumatoid arthritis, paralysis,
cerebral palsy or connective tissue disorders (lupus
or scleroderma)?
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Have you, within the past 5 years:
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been a patient in any hospital, clinic, dependency
program, halfway house or other medical facility?
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used controlled substances such as cocaine, heroin,
amphetamines, barbiturates or hallucinogens?
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been treated by or been advised by a physician to
seek treatment for drug or alcohol use?
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been advised to have any test (except HIV tests),
treatment, surgery or hospitalization which has yet
to be completed?
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had an application for life or health insurance rated
up, postponed, declined or denied reinstatement?
- Have
you, within the past 24 months, used any form of tobacco
or nicotine product, including cigarettes, cigars, pipes,
chewing tobacco, snuff, nicotine patches or nicotine
gum?
- Have
you, within the past 3 years, engaged in or do you plan
to engage in:
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any aviation activity other than as a fare-paying
passenger on commercial airlines?
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any form of organized motor racing, scuba diving,
hang-gliding, cave exploration, parachuting, mountain,
rock or ice climbing, rodeo, bungee jumping or ballooning?
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Have you, within the past 3 years, been convicted of
driving while under the influence of alcohol or drugs
or had a driver's license suspended or revoked?
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Do you intend to travel, live or work outside the United
States or Canada?
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Are you currently on probation or have you, within the
past 5 years, been convicted of a felony?
Please
note that some states have state specific questions that
are slight variations of above. There is also a qualification
question about being a U.S. Citizen.

Height
and Weight
You
must fall in the following ranges (for both male and female)
to be eligible for this coverage:
Automatic
declines will generate if:
-
Applicant's height/weight is outside of underwriting
guidelines
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The product is not available in the applicant's residence
state
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Applicant's age is out of underwriting guideline range

Beneficiaries
You
may name anyone as beneficiary. The beneficiary
does not need to be a U.S. citizen. You may only
name one beneficiary at the time of application.
Once the policy is in force, the beneficiary name can
be changed and/or additional beneficiaries can be added
by completing appropriate paperwork.
Payment
Methods
There
are two options:
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Electronic Funds Transfer from Bank Account
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Credit Card/Debit - VISA, MasterCard, American Express
and Discover accepted
NOTE:
If you live in the state of Kansas, a direct bill option
must be provided, upon request.
Customer
FAQs
Q:
What type of insurance is this?
A:
This is Term Life Insurance, the type that many financial
experts recommend to provide the highest amount of coverage
at the lowest cost. With this plan, your rates are
level meaning that they will not go up for the full term
of the policy. At the end of that term, you have
the option to renew the policy at the rates that apply
at that time.
Q:
Does this policy require a medical exam?
A:
The policy does not require a medical exam.
Fidelity does, however, ask several health-related questions
and reserve the right to verify your responses through
various sources, including the medical information bureau
(MIB). For any number of reasons, Fidelity may need
to contact you via telephone for additional information.
Any incorrect information on your application could also
lead us to cancel your policy.
Q:
Do the Rates Go Up?
A:
No. The rates are guaranteed to remain level (or
the same) for the original term of the policy.
Q:
Can I Change a Beneficiary?
A:
A beneficiary may be changed at any time. When the
policy is initially issued, you will receive a Welcome
Kit in the mail (also an additional copy on-line) and
it will provide you the information you need to change
beneficiaries.
Q:
How will I be billed?
A:
The premiums can be conveniently charged to a credit card
of your choice (MC, Visa, American Express or Discover),
or directly deducted from your checking account based
on the billing mode selected. Direct billing (mailing
a check for payment) is not an option.
Q:
Can I cancel?
A:
Yes, you can cancel at any time. From the date that
you are covered, you have 30-days to review your policy
and cancel for a full refund of the premium paid during
the first month. You can also call at any time after
that to receive instructions about submitting your cancellation
request in writing, and there will be no future billing
of premium.
Q:
How do I cancel?
A:
You may call us at any time to receive instructions about
submitting your cancellation request in writing.
Q:
When is coverage effective?
A:
You are covered once your application has been approved
and signed, the MIB report has been checked, and your
credit card or checking account has been billed.
Q:
What is the Medical Information Bureau?
A:
It is a confidential, not-for-profit database used by
insurance companies throughout North America. Fidelity
utilizes it to conduct a quick check of the medical information
provided on your application to ensure that there is nothing
in the database that conflicts with the answers you have
provided to us.
Q:
I am currently pregnant. What weight should be provided
(pre-pregnancy or current)?
A:
We request your weight immediately PRIOR to the current
pregnancy.
Q:
If I am a U.S. citizen that later leaves the country,
am I still covered?
A:
Yes. As long as you were a U.S. citizen when coverage
was elected, you would be covered.
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