Fidelity Life vs MetLife

Kaitlyn Short
Kaitlyn Short | 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
#15 Fidelity Life
5.4 Overall Score
2.9
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(32)
MetLife logo
#13 MetLife
6.0 Overall Score
3.7
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(63)

Overview

Fidelity Life

A.M. Best Financial Strength Rating

N/A

Policy Types

N/A

Type of Underwriting Offered

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Purchase Process

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Time in Business

Undisclosed

MetLife

N/A

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Undisclosed

Ratings

Fidelity Life

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

MetLife

6.0 of 10
3.7
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3.7
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3.6
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3.7
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6.0 of 10

Reviews

Fidelity Life

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

MetLife

63
3.7
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5 star
51%
4 star
21%
3 star
3%
2 star
5%
1 star
22%

Reviews for Fidelity Life

Helpful Favorable Review

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Sarah Biondo

August 20th, 2021

DETAILS

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Review Source

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.

Helpful Critical Review

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Deedee

August 22nd, 2019

DETAILS

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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Samarra Miller

December 30th, 2021

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Review Source

I helped one of my older residents shop around for insurance. Being that they are 69yrs he needed a little help. when I was Speaking with the customer service rep he explained to me the benefits that my resident would have getting met life his knowledge was over and beyond that day we signed with MetLife

Helpful Critical Review

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nohjireigluf

March 18th, 2022

DETAILS

Can't get policy information online even after creating an account. customer service not good. Just tried 3 times and the auto attendant continually could not hear my responses. Then got hung up on twice. Third time the rep got on and claimed their system was down and apologized saying they could not hear other parties on their phones so she hung up .

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

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