Fidelity Life vs MetLife

Alice Stevens
Alice Stevens | Senior Editor

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
#17 Fidelity Life
6.3 Overall Score
2.9
star star star star_border star_border
(32)
MetLife logo
#12 MetLife
7.6 Overall Score
3.8
star star star star star_border
(56)

Overview

Fidelity Life

Financial Strength

A- (A.M. Best)

Term Policies

Yes

Whole Policies

Yes

Universal Policies

Undisclosed

Final Expense Policies

Yes

Time in Business

125 Years

MetLife

AA- (Standard & Poor's)

Undisclosed

Undisclosed

Undisclosed

Undisclosed

153 Years

Ratings

Fidelity Life

Overall Score
6.3 of 10
Review Score
2.9
star star star star_border star_border
Value for Money
3.4
star star star star_half star_border
Quality of Product or Service
3.2
star star star star_border star_border
Company Trustworthiness
3.3
star star star star_half star_border
Likely to Recommend
5.5 of 10

MetLife

7.6 of 10
3.8
star star star star star_border
3.7
star star star star_half star_border
3.7
star star star star_half star_border
3.7
star star star star_half star_border
6.2 of 10

Reviews

Fidelity Life

Number of Reviews
32
Review Breakdown
2.9
star star star star_border star_border
5 star
31%
4 star
16%
3 star
9%
2 star
0%
1 star
44%

MetLife

56
3.8
star star star star star_border
5 star
54%
4 star
20%
3 star
4%
2 star
4%
1 star
21%

Reviews for Fidelity Life

Helpful Favorable Review

check_circle

Review Source

star star star star star

Sarah Biondo Phoenix, AZ

My husband and I both have fidelity life insurance and have had it for nearly a decade. It's affordable and we have not had any issues. We have an ACH come out every month for less than $50 for each policy and when we first got it my husband needed to get a blood test in order to get the coverage and they came right to our house, which was really convenient.

2 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Deedee Cowansville, PA

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.

2 years ago

Reviews for MetLife

Helpful Favorable Review

check_circle

Review Source

star star star star star

Mike D Washington, DC

MetLife was an excellent company to work with when my wife’s mother passed away. They verified the necessary documents quickly and paid the policy within a few weeks. The customer service representatives were kind and considerate

2 months ago

Helpful Critical Review

star star_border star_border star_border star_border

alab50 Bloomfield Hills, MI

This company sucks and is Weight prejudice - I have absolutely no health problems except that I am heavier than they want so I was denied. I will never suggest people use this insurance as they are weight biased. I am on no medications, have no diagnosed health problems either physical/mental, probably could outrun them in a race. No worries - I am sure there are companies that want to take the money of a healthy woman.

10 months ago

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.

Top Choice

MetLife Logo
MetLife

Other Featured Comparisons

See All Comparisons

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information