Fidelity Life vs MetLife

While both Fidelity Life and MetLife are reliable insurers, the one you choose to work with will depend on what kind of a consumer you are. Fidelity Life is best for people buying their own life insurance policies. MetLife is ideal for employers putting together an employee benefits package.

Fidelity Life logo verified_user
#10 Fidelity Life
7.1 Overall Score
2.6
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(26)
MetLife logo
#6 MetLife
7.6 Overall Score
3.8
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(51)

Overview

Fidelity Life

MetLife

Monthly Premium
Monthly Premium
Undisclosed
Undisclosed
Policy Types
Policy Types
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Term
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Whole
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Term
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Whole
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Universal
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Variable
Coverage
Coverage
48 states
50 states
Time In Business
Time In Business
124 Years
152 Years

Ratings

Fidelity Life

MetLife

Overall Score
Overall Score
7.1 of 10
7.6 of 10
Review Score
Review Score
2.6
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3.8
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Value for Money
Value for Money
3.1
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3.6
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Quality of Product or Service
Quality of Product or Service
3.0
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3.5
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Customer Service
Customer Service
3.1
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3.6
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Company Trustworthiness
Company Trustworthiness
3.0
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3.6
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Likely to Recommend
Likely to Recommend
4.8 of 10
5.8 of 10

Reviews

Fidelity Life

MetLife

Number of Reviews
Number of Reviews
26
51
Review Breakdown
Review Breakdown
2.6
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5 star
27%
4 star
15%
3 star
4%
2 star
0%
1 star
54%
3.8
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5 star
53%
4 star
20%
3 star
4%
2 star
4%
1 star
22%

Reviews for Fidelity Life

Helpful Favorable Review

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Stephanie Love

August 3rd, 2020 Herriman, UT DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
starstarstarstarstar

I currently have fidelity for my life insurance. It was super easy to set up. I talked to someone for about 20-30 minutes and they got everything set up for me. No medica exam needed and they gave an awesome rate. They answered all my questions and set everything out to me in a hard copy for my records. I feel comfortable knowing that my loved ones will be taken care of if some unfortunate thing ever happens to me.


Helpful Critical Review

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Deedee

August 3rd, 2020 Cowansville, PA DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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My Dad signed on for 10 yr term life. His payment was 40.00 a month once the 10 year term was up and since he wasn't dead yet it went to 400.00 a month. Which he couldn't afford. So he was out his money and then died a year later with no coverage. Don't get term life it doesn't hold cash value and then they make payments unaffordable to continue coverage if needed.


Reviews for MetLife

Helpful Favorable Review

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Myken

August 3rd, 2020 Salt Lake City, UT DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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My husband and I had a life insurance policy through MetLife offered from his employer. However, after finding a different company that had a much better rate and more responsive customer service we switched.


Helpful Critical Review

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Sydnee R Lovelace

August 3rd, 2020 Salisbury, NC DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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MetLife Ins. Sucks. If you pay them one dime you will regret it. I paid for life ins on my 3 sons for 26 yrs. My youngest son passed away and he was totally disabled from muscular dystrophy and I filed the claim with MetLife. Everytime you call them, it is being reviewed?? After FOUR(4) months we were told that it had been denied because he had married his longtime girlfriend before passing away. I'll prob see a lawyer about my options against this piss poor company!! RUN FROM METLIFE!! DO NOT BUY INS FROM THEM!!!!


The Final Word

Fidelity Life has good options for people buying their own insurance, especially for seniors. It offers term and whole life insurance, as well as final expense insurance. If these policies meet your needs, Fidelity Life is worth investigating further.

Fidelity Life also offers valuable riders that can be added to its policies. These riders include a disability waiver of premium, accelerated death benefit, and an inflation rider that adjusts your policy's death benefit to maintain purchasing power.

MetLife does not offer life insurance options for individuals. Instead, it specializes in employer-sponsored plans. It offers term and universal life insurance options. With MetLife, employers can offer fully paid term life insurance or offer term life insurance as a voluntary benefit. With some policies, employees can even buy life insurance for their dependents.

If you're buying life insurance privately, we recommend working with Fidelity Life. If you're a business owner building a benefits package, we recommend working with MetLife.

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