Are you working on any issues such as high cholesterol or losing a few extra pounds?  Do you simply just not have the time to take a medical exam? Our Hybrid Life product offered through Fidelity Life may just be the perfect answer for you.

If you’re looking to obtain affordable term life insurance coverage but have a few health issues to work on you will absolutely love this product.  Hybrid Life is a blend of all cause (level term) and Accidental Death Benefit.

Our Hybrid Life product offers a high face amount of coverage almost immediately – most policies are approved within 24 to 48 hours.  You have the ability to defer a medical exam for up to 6 months!  During which time you will have coverage unlike traditional carriers where you have to wait up to 3 months. Perfect for those who need that extra time to bring cholesterol levels down or drop those extra pounds.  You also have the choice to not undergo medical underwriting, in which case you would still be able to keep your blended policy in force.

If you choose to take an exam, the policy’s mix of coverage (all cause vs. Accidental Death Benefit) will be adjusted.  Best part is that if the underwriting is unfavorable (ex: decline) the initial mix of coverage and payment amounts will not be affected.

An example of how this works is: A male age 35 (non-smoker) seeking $750,000 20 year term policy – initial hybrid split is $209,816 all cause and $459,184 Accidental Death Benefit.  Once an exam is taken the amounts can differ in terms of the all cause going up and the Accidental Death Benefit decreasing.

This is the ONLY term life product of its kind out there and we at America Direct are pleased to offer it to you. This product is also annually renewable until age 95!

Currently there is no online quoting due to the nature of the policy.  Stay tuned as we are diligently working on providing the ability to get quoted online.  In the meantime, for more information or to start the process, please call one of our friendly, knowledgeable agents today at 888.440.1554.  You can also email us at hybridlife@americadirect.com.

Author: Christine Wandt, Internet Marketing Specialist