• Report: #748115

Complaint Review: Fidelity Life Insurance

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  • Submitted: Fri, July 01, 2011
  • Updated: Fri, July 01, 2011

  • Reported By: Scott — Valencia California United States of America
Fidelity Life Insurance
1211 West 22nd Street, Suite 209 Oak Brook, Illinois United States of America

Fidelity Life Insurance Fidelity Life Association AVOID FIDELITY LIFE INSURANCE COMPANY! Oak Brook, Illinois

*Consumer Suggestion: Meaning Of "Application"

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Do NOT BUY INSURANCE FROM FIDELITY LIFE INSURANCE!  They play the bait

and switch game!  I applied for $300,000 in term life insurance at a

premium of $1,259 per year.  After I had already paid, and filled out

my application, low and behold I get the policy from the insurance

company which said, since you weigh X you coverage will be HALF of

the $300,000 I applied for!  What!?  I conveyed my current weight from

day 1 of my conversations with their agent.  He NEVER said I would

have to lose 30 pounds to get a $300,000 policy for the premium of

$1,259.    I have since gone with another insurance company and have

the full $300,000 coverage now for about the same premium and I am

still at the same weight!



GET EVERYTHING IN WRITING BEFORE YOU DO BUSINESS WITH FIDELITY LIFE!!!

  THEY INTENTIONALLY MISREPRESENT THEIR PRODUCTS!!!

This report was posted on Ripoff Report on 07/01/2011 01:51 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fidelity-Life-Insurance/Oak-Brook-Illinois-60523/Fidelity-Life-Insurance-Fidelity-Life-Association-AVOID-FIDELITY-LIFE-INSURANCE-COMPANY-O-748115. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

Meaning Of "Application"

AUTHOR: csanford - ()

As a licensed life and health insurance agent myself, let me make clear that an agent simply helps you fill out the application. The "Underwriter" is the one who approves it. They did not rip you off. You "Applied" for $300,000 worth of coverage. Like going to a bank...you apply for a $300,000 loan, your credit wasn't good enough for that amount. Your weight is your credit per se. They approved you for less coverage because you were over their height and weight charts. The agent has no say so in this decision. It's called being "rated".

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