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Fidelity Life burial insurance
Fidelity Life Association is a smaller carrier with a fast digital application and a rating outlook that was revised upward after its parent was acquired.
Rating read from AM Best on 2 September 2026. AM Best calls A- excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
A reasonable option in the middle of the market. The A- rating is a step below the strongest carriers on our list, and the positive outlook is worth knowing, but neither should be the deciding factor on a small policy.
What is good and what is not
In its favour
- Quick online decision
- A- rated with a positive outlook following the parent acquisition
- Competitive in some age bands where the larger carriers are not
Against it
- A- is the lowest A tier, below several alternatives we can offer
- Smaller brand, less familiar to buyers
- Product range is narrower than the bigger carriers
How it treats your health
Simplified issue with an automated engine and a standard knockout list.
What it actually sells
Simplified issue whole life for final expense.
The waiting period
No waiting period for applicants who pass the health questions.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, face amount and state.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Fidelity Life Association would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Fidelity Life Association
What does a positive outlook mean on an AM Best rating?
It means AM Best considers an upgrade more likely than a downgrade over the medium term. It is a forecast, not a rating, and it does not change what the company owes on a claim today.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.