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Easily explore Guaranteed Issue and Final Expense insurance, compare plans, and find the right coverage — all in one place.
Welcome to the Fidelity Coverage — your resource for understanding our insurance offerings and getting the guidance you need to make the right choice for yourself and your family.
We know that choosing the right insurance can feel confusing or overwhelming, especially when navigating policies like Final Expense Insurance or Guaranteed Issue Life Insurance. That’s why we’ve created this comprehensive guide to help you understand the basics, the benefits, and which coverage might be best for you.
What is Fidelity Coverage?
At Fidelity Coverage, we specialize in final expense & guaranteed issue insurance solutions designed to provide protection for every stage of life. Whether you’re planning for end-of-life expenses or seeking peace of mind with no questions asked, our goal is to offer straightforward, affordable, and accessible insurance options.
Our website is built to:
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Help you explore different insurance products
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Educate you on your coverage options
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Provide real support through our customer care team
What Is Final Expense Insurance?
Final Expense Insurance is a type of whole life insurance designed to help cover costs related to your passing, such as:
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Funeral services
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Burial or cremation
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Medical bills
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Outstanding debts
It is typically offered in smaller benefit amounts ($5,000–$30,000) and is meant to ensure your loved ones are not left with the financial burden of final arrangements.
Key Features:
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No medical exam required
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Affordable premiums
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Lifetime coverage as long as premiums are paid
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Builds cash value over time
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Fast benefit payouts to beneficiaries
Who Is It For?
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Individuals aged 50 to 85
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People who want to prepay for funeral and end-of-life costs
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Those looking for affordable coverage with fixed premiums
Understanding Guaranteed Issue Life Insurance
What Is It?
Guaranteed Issue Life Insurance is a whole life insurance policy that guarantees approval, no matter your health history. There are:
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No medical exams
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No health questions
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No denials for coverage
It’s designed for people who may have been turned away from traditional life insurance because of pre-existing conditions, chronic illnesses, or age.
Key Features:
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Guaranteed acceptance between ages 50-80
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Fixed premiums for life
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Coverage amounts typically range from $5,000 to $25,000
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Graded death benefit: full benefits available after the first 2 years (immediate payout if death is accidental)
Who Is It For?
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Those with significant health concerns
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Seniors looking for guaranteed life coverage
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Individuals who have been denied other life insurance options
What’s the Difference Between Final Expense and Guaranteed Issue?
Feature |
Final Expense Insurance |
Guaranteed Issue Life Insurance |
|---|---|---|
Medical Exam Required? |
No |
No |
Health Questions? |
Yes, a few simple ones |
None |
Guaranteed Approval? |
Not guaranteed — depends on answers |
100% guaranteed if in eligible age range |
Coverage Amounts |
Up to $30,000 |
Up to $25,000 |
Graded Benefit Period |
Sometimes, but often immediate |
Yes — full benefits after 2 years |
Best For |
Seniors in reasonably good health |
Seniors with serious health concerns |
How Fidelity Can Help You Choose
If you’re unsure which product is right for you:
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Final Expense is ideal if you want affordable coverage with potentially immediate full benefits, and you’re in decent health.
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Guaranteed Issue is best if you have serious health issues and want the peace of mind of guaranteed coverage, even if the full benefit takes a couple of years to unlock.
Still have questions? We’re here to help.
Need Assistance? Contact Us Anytime
Call us at: 1-(307)-219-0456