Why Choose Fidelity?

1. Fidelity refers to Fidelity Investments Life Insurance Company and in New York, Empire Fidelity Investments Life Insurance Company^®, New York, NY.
2. Insurance company ratings are subject to change. AM Best rating is effective as of July 2011.The AM Best ratings scale includes 16 different rating levels. AM Best's "secure" ratings scale include A++ (Superior), A (Excellent), and B+ (Very Good). AM Best describes secure insurers as having a strong or good ability to meet their long-term obligations to members and policyholders. Other AM Best Insurance Financial Strength Ratings range from C++ (Marginal), C (Weak), D (Poor), E (State Suspension), F (In Liquidation), and S (Ratings Suspended). Plus (+) or minus (-) signs following ratings from 'A' to 'C' show relative standing within the ratings categories. Insurers assigned secure ratings maintain a level of financial strength that can withstand unfavorable changes in the business, economic, or regulatory environment. AM Best's ratings are not a warranty of an insurer's current or future ability to meet obligations to policyholders, nor are they a recommendation of a specific policy form, contract, rate, or claim practice.
3. Insurance company ratings are subject to change. Standard & Poor's rating is effective as of July 2011. The Standard & Poor's Security Circle Icons are assigned to insurers that achieve one of the top four or "secure" ratings categories: AAA (Extremely Strong), AA (Very Strong), A (Strong), and BBB (Good). Other Standard & Poor's Insurance Financial Strength Ratings range from: BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), R (Regulatory Action), and NR (Not Rated). Plus (+) or minus (-) signs following ratings from 'AA' to 'CCC' show relative standing within the major ratings categories. Standard & Poor's Security Circle ratings, and other opinions of credit worthiness and financial strength are not: a guarantee of an insurer's financial strength; an endorsement of an insurer, a recommendation to purchase or discontinue any policy or contract issued by an insurer; or a recommendation to buy, hold, or sell any security issued by an insurer. Standard & Poor's does not guarantee the accuracy, adequacy, or completeness of its ratings and is not responsible for any error or omission therein or in the results to be obtained from the use of such ratings. For complete rating criteria or for the most current rating of this insurer, contact S&P at its Web Site: http://www.standardandpoors.com/ratings/ or at Standard's and Poor's, 55 Water Street, New York, NY 10041.

Fidelity Investments Term Life Insurance (Policy Form Nos. FTL-96200, et al. and FTL-99200, et al.) is issued by Fidelity Investments Life Insurance Company, and in New York, Empire Fidelity Investments Term Life Insurance (Policy Form No. EFTL-99200, et al.) is issued by Empire Fidelity Investments Life Insurance Company^®, New York, NY. Some insurance policies are issued by third party carriers which are not affiliated with any Fidelity Investments Company. Fidelity Insurance Agency, Inc., is the distributor. The policy's financial guarantees are solely the responsibility of the issuing insurance company.