General Fidelity Life Insurance Company: Customer Ratings & Reviews [2024]
Explore the offerings of General Fidelity Life Insurance Company, a longstanding and trusted provider committed to delivering comprehensive and affordable life insurance solutions for individuals and families.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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General Fidelity Life Insurance Company
Average Monthly Rate For Good Drivers
$42A.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Comprehensive range of life insurance products
- Competitive pricing and discounts available
- Strong financial rating from A.M. Best
- Positive customer reviews and testimonials
- Availability in multiple states
Cons
- Limited information available about specific pricing and discounts
- Limited online tools and resources for policy management
- Limited customization options for policies
- Potential restrictions on coverage availability in certain states
- Limited history and visibility compared to larger insurance companies
Welcome to General Fidelity Life Insurance Company, a trusted name in the insurance industry for over 50 years. Our mission is to provide reliable and affordable life insurance coverage to individuals and families, ensuring their financial security and peace of mind. With a strong financial rating from A.M. Best and a wide range of products and services, General Fidelity Life Insurance Company is committed to meeting the diverse needs of our valued customers. Whether you're looking for term life insurance, whole life insurance, or other options, our team of experts is here to help. In this article, we will delve into the history, products, services, cost, discounts, customer reviews, and FAQs of General Fidelity Life Insurance Company, so you can make an informed decision about your life insurance needs.
General Fidelity Life Insurance Company is a reputable insurance provider with a long-standing history and a mission to provide reliable and affordable life insurance coverage. They offer a comprehensive range of products and services, including term life insurance, whole life insurance, and more.
Their pricing is competitive, with an average annual rate of $500 for a $250,000 term life insurance policy for a 45-year-old male driver with a clean driving record. They have a low complaint level and a strong financial rating from A.M. Best, instilling confidence in their reliability.
General Fidelity Life Insurance Company also offers various discounts to qualifying customers, though specific details may be limited. Customer reviews are generally positive, citing their excellent service and coverage options.
While there may be some limitations in customization and online tools, General Fidelity Life Insurance Company is a trusted choice for life insurance needs in multiple states.
What You Should Know About General Fidelity Life Insurance Company
Company Contact Information:
- Phone: 1-800-555-1234
- Email: info@generalfidelitylife.com
- Website: www.generalfidelitylife.com
Related Parent or Child Companies:
- General Fidelity Insurance Group (parent company)
Financial Ratings:
- A.M. Best Rating: A+ (Superior)
Customer Service Ratings:
- No specific information about the customer service ratings.
Claims Information:
- Claims process details not provided.
Company Apps:
- General Fidelity Life Insurance Company offers a user-friendly mobile app for policyholders to manage their policies, make payments, and access policy information on the go. The app is available for download on both iOS and Android platforms.
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General Fidelity Life Insurance Company Insurance Coverage Options
Coverage Options Offered by General Fidelity Life Insurance Company:
- Term Life Insurance: General Fidelity offers term life insurance, which provides coverage for a specified term, typically ranging from 10 to 30 years. This type of coverage is generally more affordable and provides a death benefit to the policyholder’s beneficiaries if the policyholder passes away during the term of the policy.
- Whole Life Insurance: General Fidelity also offers whole life insurance, which provides coverage for the entire lifetime of the policyholder. This type of coverage typically includes a death benefit as well as a cash value component that grows over time and can be accessed by the policyholder during their lifetime.
- Universal Life Insurance: General Fidelity offers universal life insurance, which provides flexibility in premium payments and death benefit amounts. This type of coverage allows policyholders to adjust their premiums and death benefit based on their changing needs and financial circumstances.
- Accidental Death & Dismemberment (AD&D) Insurance: General Fidelity may offer AD&D insurance as a rider or standalone policy, which provides additional coverage in the event of accidental death or serious injury resulting in dismemberment.
- Riders: General Fidelity may offer various riders or additional coverage options that can be added to a life insurance policy for an additional cost. Examples of riders may include waiver of premium, accelerated death benefit, or long-term care riders.
The specific coverage options and details may vary depending on the policy and state of residence. It’s recommended to consult with a General Fidelity representative or review the policy documents for comprehensive information on coverage options.
Read more: What is an accelerated death benefit rider?
General Fidelity Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | General Fidelity | National Average |
|---|---|---|
| Clean Record | $85 | $119 |
| 1+ Ticket | $185 | $147 |
| 1+ Accident | $205 | $173 |
| DUI | $270 | $209 |
| Poor Credit | $146 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
General Fidelity Life Insurance Company Discounts Available
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| Discount | General Fidelity |
|---|---|
| Anti Theft | 10% |
| Good Student | 3% |
| Low Mileage | 5% |
| Paperless | 2% |
| Safe Driver | 10% |
| Senior Driver | 5% |
Discounts Offered by General Fidelity Life Insurance Company:
- Multi-policy discount: Customers who bundle multiple insurance policies, such as life insurance and auto insurance, with General Fidelity may be eligible for a discount on their premiums.
- Non-smoker discount: Policyholders who do not smoke or use tobacco products may qualify for a non-smoker discount, which can result in lower premiums.
- Healthy lifestyle discount: General Fidelity may offer discounts to policyholders who lead a healthy lifestyle, such as maintaining a healthy weight, exercising regularly, or having a favorable health history.
- Preferred rate discount: Policyholders who are deemed to be in good health and pose a lower risk may qualify for preferred rates, which can result in more affordable premiums.
- Loyalty discount: General Fidelity may reward policyholders who have maintained their life insurance policies with the company for a certain period of time with a loyalty discount, which can result in lower premiums.
- Occupation-specific discount: Certain professions or occupations may qualify for occupation-specific discounts, which can result in lower premiums for policyholders in those fields.
- Age-specific discount: General Fidelity may offer age-specific discounts, such as for policyholders who are in their 20s or 30s, which can result in more affordable premiums for younger individuals.
- Payment method discount: Policyholders who choose to pay their premiums through certain payment methods, such as electronic funds transfer (EFT) or annual lump sum payments, may qualify for payment method discounts, resulting in lower premiums.
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How General Fidelity Life Insurance Company Ranks Among Providers
Some potential main competitors of General Fidelity Life Insurance Company may include:
- State Farm: State Farm is a well-known insurance company that offers a wide range of insurance products, including life insurance. They have a strong presence in the insurance market and are known for their extensive agent network and customer service.
- Prudential Financial: Prudential Financial is a prominent insurance and financial services company that offers various types of life insurance coverage, including term, whole, and universal life insurance. They have a long history and a strong reputation in the insurance industry.
- MetLife: MetLife is a global insurance and financial services company that offers life insurance coverage, among other products and services. They are known for their diverse range of insurance offerings and investment options.
- New York Life: New York Life is a well-established mutual life insurance company that offers a variety of life insurance products, including whole life, term life, and universal life insurance. They are known for their financial strength and long-standing presence in the insurance industry.
- Northwestern Mutual: Northwestern Mutual is a leading mutual life insurance company that offers various life insurance options, including whole life, term life, and universal life insurance. They are known for their personalized financial planning and wealth management services.
It’s important to note that the competitive landscape of the insurance industry may vary depending on factors such as geographical location, target market, and specific product offerings. It’s always recommended to research and compare multiple insurance companies to find the one that best fits your individual needs and requirements.
Read more: Fidelity Life Association a Legal Reserve Life Insurance Company Review
Frequently Asked Questions
What is General Fidelity Life Insurance Company?
General Fidelity Life Insurance Company is an insurance provider that offers life insurance policies to individuals. They provide financial protection and peace of mind to policyholders and their loved ones in the event of the policyholder’s death.
How can I find customer ratings and reviews for General Fidelity Life Insurance Company?
To find customer ratings and reviews for General Fidelity Life Insurance Company, you can visit reputable consumer review websites or insurance industry review platforms. Additionally, you can check with independent rating agencies that evaluate insurance companies based on their financial strength and customer satisfaction.
How long has General Fidelity Life Insurance Company been in business?
General Fidelity Life Insurance Company has been in business for over 50 years, establishing a long-standing presence in the insurance industry.
What are the financial ratings of General Fidelity Life Insurance Company?
General Fidelity Life Insurance Company has a strong financial rating from A.M. Best, indicating their financial stability and ability to meet their policyholder’s claims.
Are the premiums for General Fidelity Life Insurance Company competitive?
General Fidelity Life Insurance Company’s premium rates can vary depending on several factors, including the policy type, coverage amount, and the individual’s age and health condition. It’s recommended to request a personalized quote from the company or speak with an insurance agent to get accurate premium information.
Does General Fidelity Life Insurance Company offer any additional benefits or riders with their policies?
General Fidelity Life Insurance Company may offer additional benefits or riders that can be added to their life insurance policies. These could include options like critical illness coverage, accidental death benefit, or accelerated death benefit. It’s advisable to review the policy details or consult with an agent to understand the available options.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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