Fidelity Life vs National Life Group

Alice Stevens
Alice Stevens | Senior Editor

High financial strength ratings and industry experience are important indicators of trustworthy and financially stable life insurers. Both Fidelity Life and National Life Group have high financial strength ratings and long industry experience. National Life Group stands out for its universal life insurance options, while Fidelity Life stands out for its rider selection and offering of final expense insurance.

Fidelity Life logo verified_user
#15 Fidelity Life
5.9 Overall Score
2.7
star star star_half star_border star_border
(27)
National Life Group logo verified_user
#8 National Life Group
8.3 Overall Score
3.1
star star star star_half star_border
(26)

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

National Life Group

A (A.M. Best)

Yes

Yes

Yes

Undisclosed

173 Years

Ratings

Fidelity Life

Overall Score
5.9 of 10
Review Score
2.7
star star star_half star_border star_border
Value for Money
3.2
star star star star_half star_border
Quality of Product or Service
3.0
star star star star_border star_border
Company Trustworthiness
3.1
star star star star_half star_border
Likely to Recommend
4.8 of 10

National Life Group

8.3 of 10
3.1
star star star star_half star_border
3.3
star star star star_half star_border
3.2
star star star star_half star_border
3.1
star star star star_half star_border
5.1 of 10

Reviews

Fidelity Life

Number of Reviews
27
Review Breakdown
2.7
star star star_half star_border star_border
5 star
26%
4 star
15%
3 star
7%
2 star
0%
1 star
52%

National Life Group

26
3.1
star star star star_half star_border
5 star
50%
4 star
0%
3 star
0%
2 star
4%
1 star
46%

Reviews for Fidelity Life

Helpful Favorable Review

star star star star star

Stephanie Love Herriman, UT

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.

1 year 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.

1 year ago

Reviews for National Life Group

Helpful Favorable Review

star star star star star

happyclient Ensanche Ozama, 01

I was able to obtain a life insurance with benefits that I could in case I get sick (critical or chronic) or if I were to die at no additional cost. When I compared similar products with other companies, these benefits were additional and kept increasing the price of the policy. Overall very good value and have good experience with customer service.

3 weeks ago

Helpful Critical Review

star star_border star_border star_border star_border

Cristiano Salgueiro Los Angeles, CA

STAY AWAY! 200 pages contract, very confusing, to the point that two attorneys could not understand. I called to cancel and they won’t return NOTHING, not a single penny. Bevy nice pitch, very talk, very friendly, but, it is only To mislead you. STAY AWAY!!!!

1 month ago

The Final Word

Fidelity Life offers term, whole, and final expense insurance. Its whole life insurance is designed for seniors. It also has a term life insurance policy designed for seniors. These offerings, including final expense insurance, make Fidelity Life a good insurer for seniors.

Fidelity Life also has a nice rider selection. Riders can add coverage or protect your life insurance policy. Some riders are not available with each type of policy. Fidelity Life's riders include accidental death benefit, accelerated death benefit for terminal illness, and an inflation rider. The inflation rider makes Fidelity Life stand out. This rider protects the value of your policy by adjusting for inflation.

In contrast to Fidelity Life, National Life Group offers a few more policy options and offers less information online about its riders. National Life Group offers whole, universal, indexed universal, variable universal, and term life insurance. Whatever kind of life insurance policy you're looking for, you'll be able to find a good fit from National Life Group.

While National Life Group's website is sparse when it comes to information on rider options, it does offer a living benefits rider. Living benefits allow you to receive part of your policy's death benefit under certain circumstances outlined in the policy. National Life Group's website lists examples of these circumstances: some terminal illnesses, chronic illnesses, critical illnesses, and critical injuries.

As you consider working with National Life Group, be aware that it is currently part of a class action lawsuit for alleged participation in a pyramid scheme with Premier Financial Group. Learn more about the case and watch for any red flags while working with National Life Group representatives.

Both National Life Group and Fidelity Life are financially stable insurers. Fidelity Life is especially great for seniors shopping for life insurance because it offers policies designed around their needs. It also has a good selection of policy riders. National Life Group is better for people interested in a universal life insurance policy. Whichever company you lean towards, read customer reviews to learn more about the client experience with these companies.

Top Choice

National Life Group Logo
National Life Group

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