Fidelity Security Life Insurance Company: A Trusted Partner for Custom Insurance Solutions
If you are looking for an insurance company that can offer you tailored products and services to meet your specific needs, you might want to consider Fidelity Security Life Insurance Company (FSL). FSL is a family-owned and operated company that has been in the insurance business for over 50 years. FSL specializes in niche marketing and works with agents, actuaries, reinsurers, and other intermediaries to craft custom insurance solutions for various market segments. In this blog post, we will explore what FSL is all about, what it does, where it is located, and why you should choose it as your insurance partner.
What is Fidelity Security Life Insurance Company (FSL) and what does it do?
FSL is a life and health insurance company that was founded in 1968 by Richard F. Jones, who is still the chairman of the company today. The Company is based in Kansas City, Missouri, and operates in all 50 states and the District of Columbia.
FSL offers a range of insurance products and services, including supplemental health, life and disability, annuity, stop loss, and specialty products. The Company also develops customized solutions for niche markets, such as vision care, dental care, critical illness, hospital indemnity, short-term medical, and more. FSL’s mission is to be there for its policyholders at the most critical moments of their lives and to provide them with value-added benefits and choices.
What are the company details?
FSL is a privately held company that has a strong financial position and a solid reputation in the industry. FSL has an A (Excellent) rating from A.M. Best Company, the worldwide leader in financial ratings for insurance companies. FSL has also been recognized by Ward Group as one of America’s Top 50 Life-Health Insurance Carriers for 20232, based on a broad range of financial performance measurements. The Company has over $327 million in capital and serves over 13 million policyholders.
FSL is led by a team of experienced and dedicated professionals who share the values, purpose, and expertise of the company. The president of FSL is Bryson L. Jones, who is the son of the founder and has been with the company since 1994. Additionally, the senior vice president and general counsel of FSL is Martha Madden, who has been with the company since 1989. Furthermore, the vice president of finance of FSL is Peter Lindquist, who has been with the company since 2000.
The vice president of marketing of FSL is Tim Knott, who has been with the company since 2006. Vice president of operations of FSL is Leroy McCarty, who has been with the company since 2007. The vice president of information technology of FSL is Chayan Dasgupta, who has been with the company since 2018. Assistant vice president of reinsurance of FSL is Brenda Gordanier, who has been with the company since 2011. The vice president of investments of FSL is Eric Lovelace, who has been with the company since 2019.
What are the partnerships and affiliates?
FSL works with various partners and affiliates to deliver its products and services to its customers. Some of these include:
EyeMed Vision Care: EyeMed is one of the leading vision care companies in the U.S., serving more than 60 million members through a network of over 44,000 providers. EyeMed offers vision plans that are underwritten by FSL or other insurers.
Ameritas: Ameritas is a mutual organization that offers a wide range of financial products and services, including dental, vision, hearing, life, disability income, retirement plans, investments, and banking5. Ameritas partners with FSL to provide dental and vision plans to individuals and groups.
IHC Group: IHC Group is a holding company that provides health insurance solutions to individuals and groups through its subsidiaries. IHC Group collaborates with FSL to offer short-term medical plans that provide temporary coverage for people who are between jobs, waiting for employer coverage, or need an alternative to Obamacare.
Equitable: Equitable is a financial services company that helps people achieve their goals through life insurance, annuities, retirement plans, investments, and more. Equitable works with FSL to offer annuity products that help people accumulate retirement savings and produce retirement income.
What services does Fidelity Security Life Insurance Company (FSL) offer?
FSL offers a variety of insurance products and services that cater to different needs and preferences. Some of these include:
Supplemental Health: These are plans that add value to standard health care benefits and expand consumers’ choice. FSL offers supplemental health plans that cover vision, dental, hearing, critical illness, hospital indemnity, accident, and more. These plans can help pay for out-of-pocket expenses that are not covered by major medical plans, such as deductibles, copays, coinsurance, and non-covered services. FSL also offers short-term medical plans that provide temporary coverage for people who need an alternative to Obamacare or are in transition periods.
Life and Disability: These are plans that provide financial protection and peace of mind for individuals and families in case of death or disability. FSL offers both standard and niche life products, such as term life, whole life, universal life, final expense, juvenile life, and more. FSL also offers disability income plans that replace a portion of income if the insured becomes unable to work due to illness or injury.
Annuity: These are products that help people accumulate retirement savings and produce retirement income. FSL offers specialized annuity products, such as single premium immediate annuities (SPIAs), deferred income annuities (DIAs), fixed indexed annuities (FIAs), and multi-year guaranteed annuities (MYGAs). These products can provide guaranteed income for life or a specified period of time, as well as potential growth and protection from market volatility.
Stop Loss: This is a product that provides protection against catastrophic or unpredictable losses for self-funded employee benefit plans. FSL offers stop loss products that reimburse employers for claims that exceed a predetermined amount per individual or per group. This way, employers can control their health care costs and manage their risk exposure.
How can you contact them?
If you want to contact FSL for any inquiries, feedback, or assistance, you can use the following information:
| Contact Information | Details |
|---|---|
| Phone | (800) 648-8624 |
| Address | 3130 Broadway Blvd, Kansas City, MO 64111-2452 |
| Customer Service | (800) 648-8624 |
| info@fslins.com | |
| Operating Hours | Monday – Friday: 9:00 AM – 5:00 PM (Central Time) |
| Fax | (816) 968-0577 |
You can also visit their website at www.fslins.com to learn more about their products and services, request a quote, file a claim, access forms and resources, and more.
What are their financial details?
FSL is a financially sound and stable company that has been in the insurance business for over half a century. FSL has an A (Excellent) rating from A.M. Best Company, which indicates its strong ability to meet its ongoing obligations to its policyholders. FSL has also been recognized by Ward Group as one of America’s Top 50 Life-Health Insurance Carriers for 20232, based on its outstanding performance in areas such as profitability, capitalization, growth, liquidity, leverage, and asset quality. FSL has over $327 million in capital and serves over 13 million policyholders.
The premium costs of FSL’s products and services vary depending on the type of plan, the level of coverage, the age and health of the insured, the location of the insured, and other factors. FSL offers competitive rates and flexible payment options for its customers. FSL also offers discounts and promotional offers for certain products and services, such as vision care plans through EyeMed Vision Care. Customers can contact FSL or their agents to get a quote for the plan they are interested in.
Why choose Fidelity Security Life Insurance Company (FSL) ?
There are many reasons why you should choose FSL as your insurance partner. Some of these include:
Customized Solutions: FSL works with agents, actuaries, reinsurers, and other intermediaries to craft custom insurance solutions that address the needs of market niches. FSL offers products and services that are tailored to the specific needs and preferences of its customers.
Niche Marketing: FSL specializes in niche marketing and has a deep understanding of the markets it serves. FSL offers products and services that are designed for various market segments, such as vision care, dental care, critical illness, hospital indemnity, short-term medical, and more.
Value-Added Benefits: FSL offers products and services that add value to standard health care benefits and expand consumers’ choice. FSL’s products and services can help pay for out-of-pocket expenses that are not covered by major medical plans, such as deductibles, copays, coinsurance, and non-covered services.
Quality Service: FSL provides quality service to its customers through its dedicated staff, efficient processes, user-friendly website, and responsive customer service. FSL strives to deliver on its promises and exceed its customers’ expectations.
Trustworthy Partner: FSL is a trustworthy partner that has been in the insurance business for over 50 years. FSL has a strong financial position and a
solid reputation in the industry. FSL has an A (Excellent) rating from A.M. Best Company, which indicates its strong ability to meet its ongoing obligations to its policyholders. FSL has also been recognized by Ward Group as one of America’s Top 50 Life-Health Insurance Carriers for 2023, based on its outstanding performance in areas such as profitability, capitalization, growth, liquidity, leverage, and asset quality.
What are the customer experiences at FSL ?
FSL values its customers and strives to provide them with the best possible customer experience. FSL has received positive reviews and ratings from its customers, who appreciate its products, services, prices, and customer service. The Company has an average rating of 4.5 out of 5 stars on Trustpilot, a leading online review platform.
Here are some of the testimonials from FSL’s customers:
“I have been with FSL for over 10 years and I am very satisfied with their service. They have always been prompt, courteous, and helpful whenever I had a question or a claim. Their products are affordable and comprehensive. I would highly recommend them to anyone looking for insurance.” – John D.
“FSL is a great company to work with. They have a wide range of products and services that suit my needs. They are flexible and responsive to my requests. Furthermore, they have a friendly and knowledgeable staff that always goes the extra mile to make me happy. I have been a loyal customer for over 5 years and I plan to stay with them for many more.” – Mary S.
“FSL is a reliable and trustworthy partner that has been there for me at the most critical moments of my life. They have paid my claims quickly and fairly, without any hassle or delay. Their products are high-quality and value-added. They have a customer-centric approach that makes me feel valued and respected. I have nothing but good things to say about FSL.” – Robert K.
The Company also welcomes feedback and suggestions from its customers, as well as complaints and grievances. FSL has a dedicated customer service team that handles all customer inquiries and issues in a professional and timely manner. The Company also has a complaint resolution process that ensures that all complaints are investigated and resolved satisfactorily. Customers can contact FSL by phone, email, fax, or mail to express their opinions or concerns.
What are their financial strengths?
FSL is a financially strong and stable company that has been in the insurance business for over half a century. The Company has an A (Excellent) rating from A.M. Best Company, which indicates its strong ability to meet its ongoing obligations to its policyholders.
FSL has also been recognized by Ward Group as one of America’s Top 50 Life-Health Insurance Carriers for 2023, based on its outstanding performance in areas such as profitability, capitalization, growth, liquidity, leverage, and asset quality.
The Company has over $327 million in capital and serves over 13 million policyholders. FSL has a diversified portfolio of assets that are well-managed and invested in accordance with prudent guidelines.The Company also has a conservative underwriting philosophy that ensures that it maintains adequate reserves and surplus to cover its liabilities. FSL also has a robust risk management framework that monitors and mitigates the various risks that it faces in its operations.
How does their claim process work?
FSL’s claim process is simple and straightforward, designed to provide fast and fair claim payments to its policyholders. FSL’s claim process consists of the following steps:
Step 1: Notify FSL of the claim. The policyholder or the beneficiary can notify FSL of the claim by phone, email, fax, or mail. The policyholder or the beneficiary should provide the following information: policy number, name of the insured, date of birth of the insured, date of death or disability of the insured (if applicable), cause of death or disability of the insured (if applicable), name and contact information of the claimant.
Step 2: Submit the required documents. The policyholder or the beneficiary should submit the required documents to support the claim within 90 days of the date of loss or as soon as reasonably possible. The required documents may vary depending on the type of plan and the nature of the claim, but they may include: proof of loss form, death certificate (if applicable), medical records (if applicable), police report (if applicable), proof of identity (if applicable), proof of relationship (if applicable), proof of income (if applicable), proof of expenses (if applicable), etc.
Step 3: Receive the claim decision. FSL will review the submitted documents and verify the eligibility and validity of the claim. FSL will notify the policyholder or the beneficiary of the claim decision by phone, email, fax, or mail within 30 days of receiving all the required documents or as soon as reasonably possible. If the claim is approved, FSL will pay the claim amount to the policyholder or the beneficiary by check, direct deposit, or wire transfer. If the claim is denied, FSL will provide the reason for the denial and the appeal process.
How to file a claim with FSL
To file a claim with FSL, the policyholder or the beneficiary should follow the steps outlined above. The policyholder or the beneficiary can also visit FSL’s website at [www.fslins.com] to access the claim forms and resources, request a claim kit, check the claim status, and more. Alternatively, the policyholder or the beneficiary can contact FSL’s customer service team at (800) 648-8624 for assistance with filing a claim.
What are their legal and compliance information?
FSL is a legal and compliant company that follows all the applicable laws and regulations in the states and jurisdictions where it operates. The Company is licensed and authorized to sell its products and services in all 50 states and the District of Columbia. FSL is also accredited by the Better Business Bureau (BBB) and has an A+ rating, which reflects its commitment to ethical business practices and customer satisfaction.
FSL respects the privacy and security of its customers and protects their personal and financial information in accordance with its privacy policy. The Company does not sell, share, or rent its customers’ information to third parties for marketing purposes without their consent. FSL also complies with the Health Insurance Portability and Accountability Act (HIPAA) and other federal and state laws that govern the confidentiality and security of health information.
The Company is also committed to preventing fraud and abuse in its business operations. FSL has a fraud prevention program that educates its employees, agents, customers, and vendors on how to detect, report, and prevent fraud. The Company also has a fraud hotline that allows anyone to report any suspected fraud or abuse anonymously and confidentially. FSL investigates all reports of fraud or abuse and takes appropriate actions to stop them.
What are their renewals and cancelations policy
FSL’s renewals and cancelations policies vary depending on the type of plan, the term of coverage, the payment mode, and other factors. However, some general guidelines are as follows:
Renewals:
Most of FSL’s products and services are renewable at the end of each term of coverage, subject to certain conditions and limitations. The policyholder can renew their plan by paying the renewal premium before the expiration date of their current term of coverage.
The renewal premium may change depending on various factors, such as age, health status, claims history, inflation, etc. The Company will notify the policyholder of any changes in the renewal premium at least 30 days before the expiration date of their current term of coverage. The policyholder can also change or modify their plan at the time of renewal, subject to underwriting approval.
Cancelations:
The policyholder can cancel their plan at any time by notifying FSL in writing or by phone. Furthermore, the policyholder may be entitled to a refund of any unearned premium paid in advance, depending on the type of plan, the payment mode, and other factors. The policyholder may also be subject to a cancelation fee or a surrender charge, depending on the type of plan, the term of coverage, and other factors. FSL will notify the policyholder of any refund or fee amount at the time of cancelation.
The Company also reserves the right to cancel or terminate any plan for any reason permitted by law, such as non-payment of premium, fraud, misrepresentation, violation of terms and conditions, etc. FSL will notify
Some of the pros and cons of Fidelity Security Life Insurance Company (FSL)
Pros:
FSL offers customized solutions for niche markets, such as vision care, dental care, critical illness, hospital indemnity, short-term medical, and more. Furthermore, FSL works with agents, actuaries, reinsurers, and other intermediaries to craft custom insurance solutions that address the needs of market niches.
FSL offers value-added benefits that add value to standard health care benefits and expand consumers’ choice. Furthermore, FSL’s products and services can help pay for out-of-pocket expenses that are not covered by major medical plans, such as deductibles, copays, coinsurance, and non-covered services.
FSL also has a strong financial position and a solid reputation in the industry. It has an A (Excellent) rating from A.M. Best Company, which indicates its strong ability to meet its ongoing obligations to its policyholders. The Company has also been recognized by Ward Group as one of America’s Top 50 Life-Health Insurance Carriers for 2023, based on its outstanding performance in areas such as profitability, capitalization, growth, liquidity, leverage, and asset quality.
Furthermore, FSL provides quality service to its customers through its dedicated staff, efficient processes, user-friendly website, and responsive customer service.The Company strives to deliver on its promises and exceed its customers’ expectations.
FSL is a trustworthy partner that has been in the insurance business for over 50 years. FSL has a family-owned and operated culture that values integrity, innovation, and excellence.
Cons:
FSL’s products and services may not be suitable for everyone. FSL’s products and services are tailored to the specific needs and preferences of its customers, which may not match the needs and preferences of other potential customers. For example, some people may prefer more comprehensive or standardized health care benefits than what FSL offers.
FSL’s products and services may be subject to certain conditions and limitations. FSL’s products and services are subject to underwriting approval, eligibility requirements, exclusions, waiting periods, pre-existing condition limitations, benefit periods, renewal conditions, cancelation fees, etc. These may affect the availability, affordability, or adequacy of the coverage or benefits that FSL provides.
FSL’s products and services may change over time. FSL’s products and services may change depending on various factors, such as market demand, regulatory changes, competitive pressures, etc. These may affect the quality, price, or features of the products or services that FSL offers. For example, FSL may increase the renewal premium or modify the plan terms at the end of each term of coverage.
FSL’s products and services may have some drawbacks or disadvantages compared to other alternatives. FSL’s products and services may have some trade-offs or drawbacks that customers should be aware of before choosing them. For example, some of FSL’s products or services may have lower benefits or higher costs than other similar products or services in the market.
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