FOR MEN Age 30-45
Ridiculously Fast Term Life Insurance
(Stop Procrastinating)
NO dealing with pesky sales agents
Completely online process
Approved in under 9 mins
Up to $1,000,000 in life coverage
NO medical exams
Benefits that can pay while your alive
Stupid good rates
STUPID FAST
Risk free - money back guarantee
Quick easy and fast. Simple medical questions and great price! - Alex
Over 125 Years of Trust & Excellence – Established in 1896, Fidelity Life has been a trusted provider of life insurance for over a century.
A-Rated Financial Strength – Backed by an A- (Excellent) rating from A.M. Best, ensuring reliability and security for policyholders.
All MEN know they need life insurance
Every man knows he needs life insurance, but let’s be honest – the process has always been a hassle. Long forms, medical exams, pushy agents… no wonder you’ve been putting it off! But here’s the reality: procrastination doesn’t protect your family. The unexpected happens when you least expect it, and waiting until "later" could be too late. That’s why we made it FAST and EASY – no exams, no sales calls, just 9 minutes to secure up to $1,000,000 in coverage. Your family deserves this protection. Don’t let another day slip by unprotected – click below and get covered NOW!
$40 Bil+
life coverage inforce
4.5+
rating on trust pilot
200,000+
CLIENTS SERVED
Stop "thinking" about it...
↓
100% Money Back Guarantee
Within the first 30 days of you first premium payment you can get a full refund if you change your mind. This is a rule mandated by insurance carriers and state regulators called the "free-look period".
Lets break it down
1. Get Quote
decide how much coverage you need for your family and see rates.
2. Get approved
Enter basic information so Fidelity Life InstaBrain can check your medical history instantly
3. Receive Policy
Shortly after your done, the policy will be emailed to you and physically mailed
Don't Take My Word For It
Here's what others are saying about our process.
"Stupid Simple"
"thinking about protecting your family just get it done"
- Xavier
"No Medical exams or Underwriting "
"Low rates, done in 9 minutes"
- Joe
"Highly Recommend..."
"Never thought getting life insurance was this easy"
- Marco
"Easiest way to protect your family"
"Not trying to get fancy"
- Brandon
here is the reality of life as a man
What Really Happens to Your Family If You’re Gone Tomorrow?
Imagine for a moment that you’re no longer here. Your income stops instantly, but the bills don’t. Mortgage, car payments, groceries, school— they all keep coming.
The people who rely on you most—your spouse, your kids—are suddenly left not just with grief, but financial uncertainty. Would they be able to stay in the same home? Keep their lifestyle? Afford college?
Life insurance isn’t for you—it’s for them. It’s the final act of love and responsibility that ensures your family is protected, supported, and financially secure no matter what.
With one simple decision today, you can make sure they never have to struggle, never have to worry about making ends meet, and never have to wonder how they’ll move forward without you.
How is this different from traditional life insurance?
Fidelity InstaBrain Term is a modern life insurance policy that provides instant coverage with no medical exams, No dealing with agents. Unlike traditional policies, it also includes Living Benefits, which allow you to access a portion of your death benefit while you’re still alive if you’re diagnosed with a chronic or terminal illness.
What are my coverage options?
Fidelity Life Term offers flexible coverage options to fit your needs and budget. You can choose coverage amounts ranging from $50,000 to $1,000,000, depending on your age and risk class. Coverage terms include: 10-Year Term 15-Year Term 20-Year Term 30-Year Term You can also customize your policy with optional riders such as: Living Benefits (included at no extra cost) Accidental Death Benefit Rider, Child Term Rider.
What are Living Benefits, and how do they work?
Living Benefits allow you to access your life insurance money early if you’re diagnosed with a chronic or terminal illness. The dont const anything extra.
Chronic Illness Benefit – If you’re unable to perform 2+ daily activities (like bathing, dressing, or eating) OR diagnosed with severe cognitive impairment, you can access up to 50% of your policy’s value over 36 months. Terminal Illness Benefit – If diagnosed with a terminal illness (12 months or less to live), you can receive up to 90% of your death benefit in a lump sum payout.
Can I apply if I have pre-existing health conditions?
Yes! Many common health conditions are accepted, and because is all online with no medical exam, you will know the underwriting decision in minutes.
Do I have to speak with an insurance agent?
Nope! InstaBrain Term is completely self-service—apply and get approved without talking to an agent or salesperson.
How much life insurance coverage can I get?
You can choose coverage amounts between $50,000 and $1,000,000, depending on your needs.
Are my premiums locked in, or will they increase over time?
Your premiums are 100% locked in for the entire term (10, 15, 20, or 30 years). No unexpected price hikes—ever.
What happens if I outlive my policy?
If your policy term ends, you may be eligible for renewal or conversion to a permanent policy.
Can I add coverage for my children?
Yes! We offer a Dependent Child Rider, allowing you to cover your children for up to $25,000.
How much does it cost?
Policies start at just $9/month! Pricing depends on your age, health, and coverage amount.
How do I pay for my policy?
You can pay via credit card or bank transfer (EFT) on a monthly, quarterly, semi-annual, or annual basis.
Can I cancel my policy if I change my mind?
Yes! You have a 30-day money-back guarantee. If you’re not satisfied, you can cancel and receive a full refund.
How do my beneficiaries receive the payout?
If you pass away, your loved ones will receive the full tax-free death benefit as a lump sum payment.