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About Christian Fidelity Life
Founded in 1954, Christian Fidelity started out as a final expense life insurance company, offering simplified life policies to seniors looking to provide for funeral and other final expenses. They continue to focus on those products to this day, with Medicare Supplement as a natural addition to a product lineup aimed at seniors.
In 2000, Christian Fidelity was acquired by Oxford Life Insurance Company, becoming a wholly owned subsidiary, but continuing to do business individually. In spite of remaining an independent company, Christian Fidelity’s own website now redirects to the Oxford Life website; it is unclear whether or not this is a permanent situation.
In 2006, Christian Fidelity acquired Dallas General Life, expanding their coverage in the Texas market for both life insurance and Medicare Supplement. By 2012, the two companies had completed a merger.
Christian Fidelity’s headquarters is located in Waxahachie, Texas, and their products are sold through independent agents. The company currently has about 30,000 Medicare Supplement policies in force.
Since the Christian Fidelity website redirects to the Oxford Life website, there is no separate listing for the Medicare plans offered specifically by Christian Fidelity. The Oxford Life website is not much more helpful, listing no specifics of available plans.
There is a very general bullet-point list of what Medicare Supplement covers, but no listing of what plans are offered. As with such companies, insurance shoppers are expected to contact an agent or submit a form to obtain information about the plans. This often results in solicitations from the insurance company that can be bothersome to some people.
As with the plan details, no rate information is offered online. Visitors to the site can request a quote by filling out a basic contact form; this will result in an agent or representative of the company contacting you to provide your quote.
This is a typical approach for a company of this size, but may deter some people from seeking quotes due to the requirement to submit contact information, resulting in solicitation as previously noted.
Ratings and Reviews
We were unable to find a separate Better Business Bureau (BBB) page for Christian Fidelity, but the parent company, Oxford Life, currently has a B- rating. The lowered rating is the result of failure to respond to five complaints. Since there have only been a total of five complaints in the past three years, this means they have a 100% failure rate for responding through the BBB, which is not encouraging.
We found no direct ratings of Christian Fidelity, nor did we find any customer reviews of the company.
The Bottom Line
Due to the redirection of the website, the lack of a BBB rating, and the lack of direct reference to Christian Fidelity plans, it appears that the company may be leaning more towards a full merger with Oxford Life than continuing operation as a separate company. There is so little information on this company and its policies that we are unable to form a conclusion regarding their services.
For a list of companies that we recommend, visit our Best Insurance Companies page.