Fidelity Life Insurance offers term life insurance policies that cover you for a set number of years (like 10, 15, or 20). You pay a fixed premium regularly, which could be monthly, every six months, or yearly, and this keeps your coverage active. If something happens to you during the term, the policy pays out to your beneficiaries. Basically, if you see a charge from them, it's likely for your ongoing insurance coverage to keep your policy in force.
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The cancellation process involves calling customer support or emailing with a clear request, which is straightforward but requires waiting for confirmation. The instructions are clear and available, and no excessive hurdles are mentioned, making it relatively easy for consumers to cancel.
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minutes to cancel a Fidelity Life Insurance subscription.
How to Cancel Fidelity Life Insurance: Step by Step
If you purchased through Fidelity Life Insurance:
- Call Fidelity customer support at 1-800-369-3990.
- Speak to a representative.
- Provide your policy number and customer information.
- Request to cancel your subscription.
- Wait for a confirmation letter or email of cancellation.
Tips & Tricks for Canceling Fidelity Life Insurance
- Call customer service early in the week to avoid weekend delays—best times are Monday to Friday, 8 a.m. to 5 p.m.
- Write a clear, signed letter of cancellation including policy number, date, and signature; mail it to their physical address for official processing.
- Include your spouse’s signature if you live in states like Arizona, California, Indiana, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin.
- Follow up persistently by phone or email if you don’t receive a confirmation of cancellation within a week.
- Request a written confirmation of cancellation via mail or email to have proof of cancellation.
- Stop automatic payments immediately by contacting customer service separately if you pay monthly premiums.
- Use language that is firm and clear: "I am formally requesting to cancel my policy effective immediately and request confirmation of cancellation and refund if applicable."
- Be aware of the 30-day free-look period to cancel without penalties and get a refund—act quickly if within this timeframe.
- Consider timing your cancellation after securing a replacement policy to avoid coverage gaps and ensure financial protection.
- Prepare to return or dispose of your insurance packet as required after cancellation.
- If initial cancellation attempts fail, escalate by asking to speak with a supervisor or submitting formal complaints via customer service channels.
- Avoid online-only cancellation attempts as Fidelity Life requires mailed letters and confirmation for cancellation.
- Some users reported success by paying a premium and immediately borrowing cash value to stay active while preparing cancellation.
Fidelity Life Insurance Customer Service Info
If you need assistance, here's how you can get in touch with Fidelity Life Insurance's support team.
Cancel Fidelity Life Insurance Script
Script
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Dear Fidelity Life Insurance Team,
I hope this message finds you well. I am writing to formally request the cancellation of my life insurance subscription. Due to changes in my personal financial circumstances, I am no longer able to maintain this policy. I would appreciate your assistance in processing this cancellation at your earliest convenience.
Thank you for your attention to this matter, and please let me know if you need any further information to complete the cancellation.
Best regards,
Frequently Asked Questions
Fidelity Life Insurance requires cancellation requests to be submitted via a signed written letter, which must be mailed to their Chicago address. Policyholders should return or dispose of their insurance packet, and in certain states, a spouse's signature is also required. They offer a 30-day free-look period for penalty-free cancellation with a full refund if paid in full, and cancellations can be confirmed by letter or email from the company.
To cancel your Fidelity Life Insurance subscription, you typically need to call customer support at 800-369-3990 and provide your policy number and customer information. There is no explicit requirement for a password to cancel via phone. However, if you prefer to cancel online through your account, you would need your login credentials. If you've forgotten your password, you can reset it at the Fidelity Life Insurance portal here: https://fidelitylife.ins-portal.com/wps/portal (look for the 'Forgot Password?' option).
- Unable to afford the policy
- Found more affordable coverage elsewhere
- No longer needing a policy
- Want to cash out the value amount
- Victim of fraud (policy may be canceled by insurer)
- Stop paying premiums (policy may be canceled by insurer)
Fidelity Life Insurance does allow you to cancel your policy at any time, generally without penalties or early-cancellation fees. However, you must follow a formal cancellation process that includes submitting a written, dated, and signed request or contacting their customer service. While a pro-rated refund may be available for the unused portion of premiums if you cancel mid-cycle, there are no refunds for payments made before cancellation. Also, if you live in a community property state, your spouse's signature is required, and any outstanding loans or debts on the policy could complicate cancellation.
Before cancelling your Fidelity Life Insurance policy, know that term life policies have no cash value to reclaim upon cancellation, whereas whole life policies may allow you to receive cash value back. You must provide a signed, written cancellation request, and in certain states, your spouse may also need to sign. There's a 30-day free-look period to cancel without penalties and get a full refund. Cancellation is not done online; you must initiate it by phone or email and follow up by sending the cancellation letter by mail. Keep in mind you will lose all coverage upon cancellation, so it is advisable to consider purchasing a new policy before cancelling the current one.
- Policy Number
- Customer information (such as full name, address, contact details)
- Written, dated, and signed cancellation request (if submitting by email or online)
- Return of policy packet (or confirmation that the policy has been destroyed)
- Spouse’s signature if you reside in a community property state (AZ, CA, ID, NV, NM, TX, WA, WI)
- Email address and phone number for confirmation purposes
- Reason for cancellation (optional, sometimes required on cancellation forms)
We've actually written a step by step guide on how to get a refund from Fidelity Life Insurance. Check it out!
The Easiest Way to Cancel Fidelity Life Insurance
If you’re frustrated trying to cancel your subscription, membership, or bill from Fidelity Life Insurance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Fidelity Life Insurance?
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