The Christian Fidelity Health Insurance Company review is a review of the Christian Fidelity Life Insurance Company. The Christian Fidelity Life Insurance Company is a member of the Oxford Group. The Christian Fidelity Life Insurance Company has received a B++ (Good) rating from the A. M. Best Company.
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The Christian Fidelity Life Insurance Company is headquartered at:
2721 North Central Avenue
Phoenix, Arizona 85004-1172
Toll free phone number: 800-527-6797
Direct phone number: 608-662-1220.
Christian Fidelity Life Insurance Company History
The Christian Fidelity Life Insurance Company was founded in 1954. When the Christian Fidelity Life Insurance Company first began is mainly offered life insurance products in the states of Missouri and Texas. The Christian Fidelity Life Insurance Company expanded its product line to include Medicare specific supplemental insurance in 1977. In 2000, the Christian Fidelity Life Insurance Company became a fully owned subsidiary of the Oxford Life Insurance Company.
Christian Fidelity Life Insurance Company Products
The Christian Fidelity Life Insurance Company offers two main types of insurance products. These two lines of insurance are Medicare supplement insurance coverage and life insurance. The Medicare supplement insurance offered by the Christian Fidelity Life Insurance Company helps cover some of the medical costs that are not always covered by Medicare. Some examples of these expenses include extended hospital care, skilled nursing facility care, Medicare Part A deductibles, Medicare Part A copay, ambulance services, physicians’ services, physical therapy, hospital outpatient services, speech therapy, hospital outpatient supplies, and emergency health care outside of the United States.
The Christian Fidelity Life Insurance Company offers a very specific type of specialty life insurance. This life insurance policy is an Assurance final expense whole life insurance policy. This type of life insurance policy helps the policyholder’s beneficiaries pay for the funeral and other costs after the policyholder passes on. This policy is available to people between 50 and 85 years of age. The policyholder can purchase between $5,000 and $30,000 in coverage with rates that will never increase for the length of the policy. As long as the premiums are paid on time, the coverage amount will never decrease and the insurer cannot cancel the policy. This type of insurance policy will develop a cash value over time and the policyholder can choose to pay the premiums annually, semiannually, quarterly, or monthly. The premium rate is determined by the policyholder’s age when they are issued the policy. The policyholder is not required to have a medical exam, but they must fill out a medical questionnaire and will be given an approval decision during their first interview. The policyholder chooses the beneficiary who will receive the direct tax free death benefit when they pass on.
This type of insurance is important because it insures that the policyholder’s loved ones are not hit with any surprise expenses and put under any underserved financial burden while they are trying to cope with the death of their loved one. Some of the expenses that this type of life insurance policy covers include:
- Viewing or wake
- Use of a hearse to transport the body from the funeral home to the burial site
- Formal service whether it is at a church or funeral home
- Cost of a casket
- Cost of a vault
- Cost of a cemetery plot
- Cost of a headstone
- Cost of funeral flowers
- Other types of burial costs
- Costs related to cremation services
- Cost of embalming and funeral related cosmetics
The Christian Fidelity Life Insurance Company’s Parent Company
The Christian Fidelity Life Insurance Company is a member of the Oxford Group. The Oxford Group has three other subsidiaries. These three subsidiaries are the Dallas General Life Insurance Company, the North American Insurance Company, and the Oxford Life Insurance Company. All of these Oxford Group subsidiaries have received a B++ (Good) financial strength rating from the A. M. Best Company. The A. M. Best Company is currently the leading insurance industry financial strength ratings provider in the United States.
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