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Fidelity Life


Insurance Brokerage America contracts through Fidelity Life which allows the brokerage agent to receive the benefits of being a General Agent producer without having the production requirements of a General Agent!

Fidelity Life is a very well capitalized life insurance company licensed in all states except Wyoming and New York. Today the company is organized as a stock subsidiary of a mutual holding company, Members Mutual Holding Company. Policyholders of Fidelity Life are also members of Members Mutual while their policies are in force. The company was originally founded in 1896 as a fraternal benefit society. Its mission then was to offer more reasonable insurance alternatives to workers in the Midwest and Northern states than those that were provided by traditional, old line Eastern companies.

As Middle America grew, so did we. By 1908, membership had passed the 50,000 mark. In 1915 the organization had $100 million of life insurance in force. Today, we have more than $22.69 billion billion of life insurance in force. In 1929, Investment Committee decisions increased assets by nearly 100% during the worst decade in U.S. financial history. Though the company remained a fraternal benefit society, 1930 witnessed a name change from the original name, Mystic Workers of the World, to Fidelity Life Association. For the next few decades, assets and the number of customers continued to grow.

In 1953 Fidelity Life converted to a mutual legal reserve life company. Shortly thereafter, Fidelity Life became affiliated with a series of life insurance organizations through fee-for-management service agreements. These companies included Kemper Life, Zurich Life, Banc One Life and, until 2005, Chase Life.

In late 2005, Fidelity Life ended the longstanding management arrangement and became an independent organization once again. This change has ushered in an exciting new era for the company with new management and a unique business strategy that focuses on innovation, new products and processes designed to make coverage more readily available and affordable for all Americans.

Effective in May 2007, policyholders approved the reorganization of Fidelity Life Association from a mutual legal reserve company to a stock insurance company with Members Mutual Holding Company as our ultimate parent. This reorganization provided Fidelity Life with greater operational flexibility and access to capital, along with providing an easier means to affiliate with other mutual insurance companies.

Fidelity Life Association insurance brokerage provides a comprehensive set of marketing materials for each product we offer, including product guides and customer and distributor brochures.

Below is a list of marketing materials available by product. You can view each piece of marketing material by clicking the respective image.


Welcome to FLA c Corporate Brochure  
c c c
Painter Magazine Ad Mailman Magazine Ad  

Life Insurance


Product Guide Producer Brochure Consumer Brochure
> Download PDF
Producer Brochure #2 Rapid App
Promotional Flyer


Product Guide Producer Brochure Consumer Brochure


Product Guide Consumer Brochure
Impaired Risk Comparison Chart Recruiting Material  


Producer Brochure Consumer Brochure  

Worksite & Sponsored Benefits


Consumer Brochure with Long Term Care Consumer Brochure without Long Term Care  


Producer Brochure Consumer Brochure  


Producer Brochure Consumer Brochure  
Producer Brochure
Long Term Care
Consumer Brochure
Long Term Care

Fidelity Life

Fidelity Life Stock Chart

An odd duck. It's a mutual company, but it had been closely affiliated with a Chase insurance company (as well as Bank One and the Zurich Insurance Group), sharing the same management. That management services agreement ended in 2005, and the Board of Directors has approved a plan to convert to a mutual holding company. Next steps: Approval by state regulators and policyholders
Fidelity Life Association
Address1 P.O. Box 9269
Address2 -
City Oak Brook
State IL
Zip 60522
Phone Number (877) 704-6279
Fax Number -

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  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.


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