Fidelity and Guaranty (F&G) Life Insurance Review [2025]
Our Fidelity & Guaranty Life Insurance Company review explores the offering of F&G, a trusted provider with a rich history of delivering reliable coverage across various insurance products, including its three fixed index universal life (FIUL) insurance products. We'll also detail its recent AM Best upgrade and other ratings.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Dec 22, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Fidelity and Guaranty Insurance Underwriters, Inc.
Average Monthly Rate For Good Drivers
$82AM Best Rating:
A (Excellent)Complaint Level:
LowPros
- Reputable insurance company with a history since 1959
- Offers a comprehensive range of insurance solutions, including annuities, life insurance, retirement solutions, accident and health insurance, and business insurance
- Available in all 50 states and the District of Columbia
- Exceptional customer service
- Competitive prices
Cons
- No online quote system; quotes must be obtained through a representative
- Limited information about specific policy details on the website
- May not offer specialized coverage options for unique situations
In this comprehensive article, we delve into the world of Fidelity and Guaranty (F&G) Life Insurance Company, a trusted insurance provider with a rich history of delivering reliable coverage. They offer a diverse array of insurance products, including life, business, and health insurance, retirement solutions, and annuities, each tailored to meet the specific needs of their customers.
Their extensive coverage options and long-standing presence in the insurance industry make them a reliable choice for individuals and businesses seeking comprehensive protection. The discounts are available to policyholders and introduce some of the main competitors in the insurance marketplace, providing valuable insights for those considering insurance options.
Founded in 1959, the company offers a range of insurance solutions, including annuities, life insurance, retirement solutions, accident and health insurance, and business insurance. Fidelity and Guaranty Insurance Underwriters, Inc. has a low complaint level and an A (Excellent) rating from AM Best.
Customers appreciate the company’s exceptional customer service, competitive prices, wide range of discounts available, and the fact that the company is available in all 50 states and the District of Columbia. However, the company does not have an online quote system, and all quotes must be obtained through a representative.
If you want to compare life insurance quotes with F&G’s rates, enter your ZIP code into our free online comparison tool.
What You Should Know About Fidelity and Guaranty Insurance Underwriters, Inc.
Company contact information:
- Fidelity and Guaranty Life Insurance Company phone number: 888-513-8797
- Website: www.fglife.com
- Address: Fidelity and Guaranty Life Insurance Company’s home office is 801 Grand Ave., Suire 2600, Des Moines, IA 50309
Related parent or child companies:
- Fidelity & Guaranty Life Insurance Holdings, LLC is the parent company of Fidelity and Guaranty Insurance Underwriters, Inc.
Financial ratings:
- A (Excellent) rating from AM Best
- A- (Stable) rating from Fitch Ratings
- A3 (Stable) from Moody’s
- A- (Stable) from S&P
Customer service ratings:
- Fidelity and Guaranty Insurance Underwriters, Inc. has received positive customer reviews for exceptional customer service.
Claims information:
- Customers can file a claim by calling 1-888-513-8797 or visiting the F&G claims website.
Company apps:
- Fidelity & Guaranty Life Insurance Company does not currently offer any mobile apps for customers.
Fidelity and Guaranty Insurance Underwriters, Inc. Insurance Coverage Options
Fidelity and Guaranty Insurance Underwriters, Inc. offers a range of insurance products to meet the needs of its customers. Here are some of the coverage options available:
- Annuities: Fidelity and Guaranty Insurance Underwriters, Inc. offers fixed annuities and indexed annuities to help customers grow their retirement savings.
- Life insurance: The company offers both term life insurance and permanent life insurance, including whole life and universal life insurance policies.
- Retirement solutions: Fidelity and Guaranty Insurance Underwriters, Inc. offers a variety of retirement products, including IRAs, 401(k) rollovers, and pension risk transfer solutions.
- Accident Insurance: Fidelity and Guaranty Insurance Company offers accident insurance, which can help cover the costs of medical bills and other expenses in the event of an accident.
- Health Insurance: Fidelity and Guaranty Insurance Company offers individual and family health insurance plans, which can provide coverage for medical expenses.
- Business insurance: Fidelity and Guaranty Insurance Underwriters, Inc. offers a variety of business insurance products, including workers’ compensation insurance, liability insurance, and property insurance.
These coverage options offer a comprehensive range of protection for individuals and families and can help provide financial security in a variety of situations.
Life Insurance:
- Term Life Insurance: Provides coverage for a specified term, typically with lower premiums.
- Whole Life Insurance: Offers lifelong coverage with a cash value component that grows over time.
- Universal Life Insurance: Combines life insurance with an investment component, allowing flexibility in premiums and death benefits.
An exam-free policy could be available to you. After a review of your medical and personal history on your application, you could be approved for a policy without needing a medical exam.Ty Stewart Licensed Insurance Agent
Read more: Life Insurance Medical Exam: What to Expect
Business Insurance:
- General Liability Insurance: Protects your business from third-party liability claims.
- Property Insurance: Covers your business property, including buildings and equipment.
- Workers’ Compensation Insurance: Provides coverage for employee injuries and illnesses on the job.
Health Insurance:
- Individual Health Insurance: Provides coverage for individuals and families.
- Medicare Supplement Plans: Helps cover the gaps in Medicare Part A and B coverage.
F&G Annuities & Life offers an extensive range of insurance coverage options designed to provide peace of mind in various aspects of life.
Whether you’re looking for protection on the road, safeguarding your home and possessions, securing your family’s financial future, or ensuring your business’s well-being, their diverse insurance offerings cater to your specific requirements.
Fidelity and Guaranty Insurance Underwriters, Inc. Insurance Rates Breakdown
F&G’s fixed index universal life (FIUL) insurance — which allows policy cash values to grow with market indexes while the guaranteed floor protects against market index loss — offers three products with the following interest rates:
- F&G ExecuDex: 4.75%
- F&G Freedom: 4.75%
- F&G Gold: 4.25%
See specifics about rates here.
And if you want to learn more about index universal life insurance, here’s an examination of its pros and cons:
Read more:
- Life Insurance Cost: Understanding the Factors That Impact Life Insurance Rates
- Comparing Life Insurance Rates: What You Need to Know
Fidelity and Guaranty Insurance Underwriters, Inc. Discounts Available
F&G Annuities & Life doesn’t advertise discounts, unlike home and auto insurers who offer several discounts. But you could in essence receive a discount on your life insurance if your classification changes.
If you're a former smoker, you can request a reconsideration and provide evident of your smoking cessation to potentially get a lower premium reflecting your improved health status.Heidi Mertlich Licensed Insurance Agent
Getting your smoker rating changed could possibly result in a discount ranging from 10% to 15%.
Read more: How to Get a Life Insurance Rate Reconsideration After Improving Your Health
Here’s a look at what smokers pay on average for life insurance:
Policies for Smokers: Life Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AIG | $65 | $135 |
| Banner Life | $55 | $115 |
| F&G | $64 | $132 |
| Guardian Life | $65 | $135 |
| Lincoln Financial Group | $58 | $118 |
| MetLife | $58 | $120 |
| Mutual of Omaha | $55 | $115 |
| Pacific Life | $60 | $125 |
| Prudential | $60 | $125 |
| Savings Bank Life (SBLI) | $50 | $105 |
| Transamerica | $63 | $130 |
At F&G, they ask that you submit a request to have the Underwriting Class reconsidered by contacting their Service Center at 888-513-8797.
Also, if you have multiple policies with F&G, don’t hesitate to ask about a multi-policy discount. Many life insurance companies offer this discount, ranging from 12%-18%.
How Fidelity and Guaranty Insurance Underwriters, Inc. Ranks Among Providers
It’s worth noting that the competitive landscape of the insurance industry can vary depending on factors such as geographic location, product offerings, and target demographics.
Let’s explore some of the key competitors that they encounter in the insurance marketplace.
- Allstate: Allstate is a well-established insurance company that offers various insurance products and services. They are known for their comprehensive coverage options and personalized service. See our Allstate Life Insurance review for more.
- Erie Insurance: Erie Insurance is known for its focus on customer satisfaction and competitive pricing. They offer a range of insurance products and operate primarily in the eastern and midwestern United States.
- MassMutual: The Massachusetts Life Insurance Co. has received awards for best whole life insurance.
- MetLife, Inc.: See life insurance details in our article, Metropolitan Casualty Insurance Company.
- Nationwide: Nationwide is a mutual insurance company that offers auto, home, and commercial insurance. They emphasize the importance of customer relationships and are known as being best for customer satisfaction. They also have a strong network of agents. Get details in our Nationwide Life and Annuity Insurance Company review.
- New York Life Insurance Company: See our New York Life Insurance Company Review for details.
- Northwestern Mutual Life Insurance Company: This company is known as being best for universal life insurance. Our article, The Northwestern Mutual Life Insurance Company Review, provides more information.
- Prudential Financial, Inc.: This company is considered best when it comes to policy personalization. Find out more through our article, The Prudential Insurance Company of America Review.
- State Farm Insurance: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, life, and more. They are known for their extensive network of agents and strong brand presence. They are also considered best for term life insurance. Read our State Farm Life Insurance review for specifics.
These competitors, along with many others in the insurance industry, constantly vie for customers by offering competitive rates, coverage options, and customer service. To stand out in this competitive landscape, F&G must continue to provide quality service, innovative coverage options, and competitive pricing to meet the evolving needs of policyholders.
Streamlined Claims Process at Fidelity and Guaranty Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Fidelity and Guaranty Insurance Underwriters, Inc. offers a streamlined claims process, providing policyholders with multiple channels for filing claims. Customers can submit claims online through the company’s website or over the phone with dedicated claims representatives.
This multi-platform approach aims to enhance the customer experience by offering flexibility and accessibility.
Average Claim Processing Time
The efficiency of the claims process is crucial for customer satisfaction. Fidelity and Guaranty Insurance Underwriters, Inc. prioritizes swift claim resolution, aiming to minimize the time it takes to process claims. The company is committed to providing timely responses and settlements to ensure that customers experience minimal disruptions in the event of a covered incident.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a vital role in assessing an insurance company’s performance in handling claims. Fidelity and Guaranty Insurance Underwriters, Inc. values customer opinions and continuously seeks to improve its claims process based on feedback.
Unveiling Cutting-Edge Digital and Technological Features for Seamless Insurance Management
Mobile App Features and Functionality
While F&G doesn’t have a mobile app for its customers, it does have a Life e-app for its agents and others who do business with the company.
Online Account Management Capabilities
The company’s online account management capabilities are crucial for policyholders who prefer self-service options. F&G has a policyholder portal in which customers can easily manage insurance policies online, covering aspects such as policy updates, premium payments, document access, and any additional online account features that contribute to a seamless digital experience.
F&G Annuities & Life also offers a streamlined application process through the ability to do an online application.
Digital Tools and Resources
Fidelity and Guaranty Insurance Underwriters, Inc. invests in digital tools and resources to empower its customers. The company makes various digital resources available to policyholders, such as educational materials, risk management tools, and any online resources that contribute to enhancing the overall understanding and engagement of customers with their insurance coverage.
Now that you’re familiar with F&G Life Insurance reviews and read about Fidelity and Guaranty Life customer service and Fidelity and Guaranty Life rating, compare them to toehr providers by entering your ZIP code into our comparison tool.
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Frequently Asked Questions
What types of insurance does Fidelity and Guaranty Insurance Underwriters, Inc. offer?
Fidelity and Guaranty Insurance Underwriters Inc. provides a diverse array of insurance products, including life, business, and health insurance.
F&G also offers annuities. Read more: How long does it take to receive money from my annuity?
How does Fidelity and Guaranty Insurance Underwriters, Inc. rank in the insurance industry?
Fidelity and Guaranty Ins Underwriters Inc. has a low complaint level, an A (Excellent) rating from AM Best, and is available in all 50 states and the District of Columbia, making it a reliable choice with competitive prices and extensive coverage options.
Is Fidelity & Guaranty Life a good company?
Yes, F&G reviews are good. In addition to its recently upgraded AM Best rating, F&G also has an A- from S&P and Fitch, and an A3 from Moody’s, all of which signify stability.
What is the AM Best rating for Fidelity and Guaranty Life insurance company?
F&G rates an A (Excellent) with AM Best. It was upgraded in early 2024 from A (Good).
Which life insurance company has the best financial rating?
Guardian, MassMutual, Northwestern Mutual, and State Farm all have an A++ (Superior) financial strength rating from AM Best. See our Guardian Life Insurance Company of America Review.
Who owns Fidelity & Guaranty Life insurance company?
Fidelity National Financial (FNF) has control of F&G Annuities & Life, Inc., through a close to 85% ownership stake, after completing a dividend to FNF shareholders of about 15% of the common stock in December 2022.
How long has Fidelity and Guaranty Life been in business?
F&G was established in 1959.
What is the claims process like at Fidelity and Guaranty Insurance Underwriters, Inc.?
The company offers a streamlined claims process with multiple channels for filing claims, including online submission or phone, aiming for efficient and timely claim resolution.
Does Fidelity and Guaranty Insurance Underwriters, Inc. have an online quote system?
No, all quotes must be obtained through a representative, as the company does not currently provide an online quote system.
How do I cancel my Fidelity and Guaranty life insurance?
Draft a letter of instruction to cancel your policy and include the current date, cancellation effective date, policy number, and signature. (The cancellation effective date can’t be more than 60 days in the future.)
Mail it to F&G Service Center, P.O. Box 81497, Lincoln, NE 68501. The overnight delivery address is F&G Service Center, 777 Research Drive, Lincoln, NE 68521. You could also fax it to 800-281-5777. Allow three business days for the fax to enter the company’s processing system.
To comparison shop other life insurance providers, enter your ZIP code here.
What is the Fidelity and Guaranty Insurance Company phone number?
The Fidelity Guaranty life insurance phone number (or the www.fglife.com phone number) is 888-513-8797, Monday-Friday 8 a.m.-6 p.m. (ET). You can also access the Policyholder Portal online.
What is the Fidelity car insurance phone number?
Since there is no Fidelity and Guaranty auto insurance, that number does not exist There is only a Fidelity and Guaranty Life Insurance Company phone number.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.