Christian Fidelity Life Insurance Company: Rates and Review

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

UPDATED: Feb 27, 2022

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Here's the Scoop

  • Christian Fidelity provides final expense life insurance policies
  • You can buy a life insurance policy through Christian Fidelity with no medical exam
  • Christian Fidelity offers an online claim filing system

Preparing for your end-of-life expenses can be a gift to those you leave behind. However, planning the details of a memorial or funeral can be difficult for those grieving your loss, and the expense for such an event can pile on quickly. The Christian Fidelity Life Insurance Company has long been in the business of helping older citizens get the life insurance they need to cover final expenses.

If you need final expense insurance, keep reading to learn more about Christian Fidelity and the life insurance policies it can offer you.

As you read this Christian Fidelity review, you can enter your ZIP code to start comparing free life insurance quotes right away.

Table of Contents

What is the Christian Fidelity Life Insurance Company?

In 1954, the Christian Fidelity Life Insurance Company began its tenure in the insurance industry by providing final expense life insurance for seniors. Oxford Life acquired Christian Fidelity in 2000, but the company’s dedication to providing affordable final expense insurance hasn’t changed.

The head office for Christian Fidelity is in Phoenix, Arizona, and the Christian Fidelity Life Insurance phone number is 888-863-6674. While not much more than very basic information is shared on the Christian Fidelity website, you can use your Christian Fidelity Insurance payer ID to log in and view your policy documents.

You can even file a claim directly through the website as well. Although, it is odd that Christian Fidelity doesn’t share a phone number for its claims department.

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Is the Christian Fidelity Life Insurance Company highly rated?

Oxford Life Insurance is Christian Fidelity’s holding corporation, so the ratings below speak to Oxford’s financial prowess and customer service quality which, in turn, reflects Christian Fidelity’s financial strength and quality of customer service.

Oxford Life’s rating with A.M. Best is an A-, and the Better Business Bureau awarded Oxford Life with an A- rating as well. These ratings are a good sign that you will be putting your coverage needs in the hands of a reliable and strong life insurance company if you choose to do business with the Christian Fidelity Life Insurance Company.

What life insurance products does the Christian Fidelity Life Insurance Company offer?

The Christian Fidelity Life Insurance Company advertises that you could purchase one of its three life insurance policies for as little as $14.99 per month. These products are called:

  • Assurance
  • Assurance One
  • Prosperity Select

Each policy is unique, so let’s examine each one closer so you can have a better understanding of these products and discover if the Christian Fidelity Life Insurance Company is the right choice for you.


The Assurance plan is a final expense policy that can provide applicants with coverage ranging from $5,000-$30,000. Funerals today can cost at least $12,000, so this coverage could help cover memorial or funeral service costs. You must be between 50-85 years old to apply for this policy.

It is also important to note that you will not be required to undergo a medical exam and can find out immediately if you are approved for this policy.

Assurance One

A single-premium final expense life insurance policy, the Assurance One plan can provide you with coverage amounts between $5,000 and $30,000. You can apply for this policy if you are between the ages of 55 and 80. Like the Assurance plan, you will not have to take a medical exam, and you will know if your application has been accepted immediately.

The Assurance One plan stands out, though, because you can choose to have your death benefit go to a single beneficiary or choose to have a joint payout. In addition to this flexibility, you can choose to add riders like accelerated benefits, including terminal illness, nursing home care, or chronic illness to your policy.

Prosperity Select

The Prosperity Select is an upgraded version of the Assurance and Assurance One plans. With this policy, you can choose to buy between $30,000-$500,000 in coverage. In addition, since this policy requires you to make a lump-sum payment, you would not have to make continual payments to keep the policy in good standing.

The death benefit of the Prosperity Select will never expire or decrease, and your beneficiary will not have to pay any federal income tax when they receive the death benefit. There are living benefits provided by this policy as well. For example, if you need immediate access to funds, you can withdraw some money from your death benefit amount.

However, you should remember that accessing your death benefit before your death could result in paying a fee.
The Prosperity Select plan also comes with a return of premium rider and accelerated benefits.

What You Need to Know About the Christian Fidelity Life Insurance Company

If you want to make sure that your loved ones don’t struggle to pay for your funeral, Christian Fidelity may be the right insurance company for you. While this company doesn’t have a wide variety of policies to offer you, each one is reliable and provides a good amount of coverage for a low cost.

You won’t have to undergo a medical exam to apply for these policies either, making this company even more appealing to those who want to get coverage as quickly as possible.

Now that you’ve finished this in-depth review of the Christian Fidelity Life Insurance Company, you can feel confident to start shopping for your own life insurance policy. Enter your ZIP code to get free insurance quotes from insurance companies near you.

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Frequently Asked Questions About the Christian Fidelity Life Insurance Company

After reading this Christian Fidelity review, you may still have some questions. Below, you can find answers to some commonly asked questions about the Christian Fidelity Life Insurance Company.

#1 — Does Christian Fidelity offer annuities?

Christian Fidelity offers four different annuities. These annuities are called Royal Select, Silver Select, Select Series, and Multi-Select.

#2 — Does Christian Fidelity provide Medicare supplements?

There is no Christian Fidelity Medicare supplement provider portal listed on its website, but Christian Fidelity does offer Medicare supplements through Oxford Life.

You can use your Christian Fidelity medical insurance supplement policy to help cover Part A deductibles, co-pays, nursing home and extended hospital stays, and outpatient services. You can even use your Medicare supplement policy to help cover the costs of speech and physical therapy, and emergency care abroad.

#3 — How can I save money on life insurance?

You can save money on a life insurance policy by shopping around. When shopping online for life insurance, be sure to contact at least three companies for free quotes. This way you’ll be able to verify which insurance company gets you the most coverage at the lowest rate.