InstaBrain (Fidelity Life)

Carrier Information

Program: InstaBrain Term with Living Benefits (Fidelity Life)

Issue Ages: 18–60

Term Durations: 10 / 15 / 20 / 30 years

Minimum Face: $50,000 (max varies by term/age/tobacco)

Living Benefits: Terminal Illness (up to 90% lump sum); Chronic Illness (up to 50% over 36 months)

Sales Support: 800-806-9714 Broker Portal: InstaBrain.io

Accelerated UWCarrier-Ordered Reqse-App

Product Overview

Terms

10 / 15 / 20 / 30 years

Issue Ages

18–60

Face Amounts

Min $50,000; max by term/age/tobacco

Living Benefits

Terminal Illness: up to 90% (lump sum)

Chronic Illness: up to 50% over 36 months

State Variations Verify in packet

Max Face by Term/Age/Tobacco

10 / 15 / 20 Yr

18–55 All: $1,000,000 max

10 / 15 / 20 Yr

56–60 All: $900,000 (reducing $100k per age; $500k max at 60)

30 Yr

18–50 NT: $1,000,000 max

30 Yr

18–45 T: $1,000,000 max

UW Pre-Screen

Decline Current/recent cancer treatment (other than basal/squamous skin)

Decline Dialysis, oxygen use, ALS, dementia/Alzheimer’s

Decline Cirrhosis, organ transplant, HIV/AIDS diagnosis

Review Insulin-dependent diabetes with complications (check table)