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About Christian Fidelity Life
Christian Fidelity Life Insurance Company was founded in 1954 to provide final expense life insurance policies to senior citizens. Their products today remain much the same, with mostly simplified issue life options that offer small death benefits but require no medical exams. The company also offers Medicare Supplement insurance.
In 2000, Christian Fidelity was acquired by Oxford Life, which is turn is owned by financial services holding company AMECO. They operate as a wholly owned subsidiary, still underwriting their own policies as part of the family of companies.
Christian Fidelity has a bare bones website that provides very little information; the main page redirects to the Oxford Life website, which is far more comprehensive. Oxford Life is located in Phoenix, Arizona, but Christian Fidelity still has its headquarters in Texas.
Christian Fidelity Medicare Supplement
The very basic company website does not offer any information in regards to what they offer for Medicare Supplement policies. On the Oxford Life website, there is a basic outline of what Medicare Supplement insurance covers, but there is not a list of which policies are available.
In most states, Medicare Supplement insurance follows a standardized set of coverages sold with letter-coded plan names. There are a few states where that is not the case, and those have their own state standards for policies. In the letter-coded states, however, the base plan is known as Plan A, which all Medicare Supplement providers are required to carry.
We can therefore safely assume that Christian Fidelity writes Plan A, which pays for Parts A & B coinsurance amounts and also covers the first three pints of blood each year. Beyond tha,t they may offer any combination of the eleven total possible options.
The Oxford website states that plans are underwritten by that company and does not say how to obtain a plan underwritten by Christian Fidelity directly. Coverage is not offered in all states.
There is a quote request form on the Oxford Life website, but this is simply a contact form that will be sent to an agent. The agent will then reach out to obtain further information and to provide quotes and plan details. Online quoting isn’t available.
While it is not at all surprising that this company – given the limited information provided in regards to their products – does not offer online quoting, it may frustrate some insurance shoppers. Providing contact information to an agent generally results in solicitation attempts that may be ongoing and become bothersome.
Without rate information, we are unable to compare Christian Fidelity to other companies in terms of price.
The Oxford Life website does have a toll-free claims phone number listed, but it is not clear whether or not Medicare Supplement claims would be directed there, or if it is mainly for life insurance. Since Medicare Supplement claims are generally handled directly with providers, we would not expect a lot of claims information directed at the policyholders for these products.
In the forms section of the policyholder information page we did see claims forms for Christian Fidelity Life, but only for their life and annuity products.
Ratings and Consumer Reviews
Christian Fidelity Life has an A+ rating with the Better Business Bureau (BBB). The BBB page does not have any complaints or reviews listed for the company.
In fact, we were unable to find any complaints, comments, or reviews for this company in any of the usual places. Usually, a lack of reviews is in the company’s favor given that most people choose to write a review when they are unhappy versus when everything is in good order.
The Bottom Line
There really is not enough information on this company to provide any real opinion; it appears that they rely mainly on agent efforts to bring in new business since they provide so little information for the online insurance shopper. We did not find any red flags or anything of concern, however, so if an agent is offering you a policy with Christian Fidelity we can find no argument against selecting them as your insurance company.
For a list of companies that we recommend, visit our Best Insurance Companies page.